I was with the company for 4 years & had a Corporate Salary bank account with one of the biggest Private Bank. Salaries were late due to some financial problems of the company. In this scenario,I wanted an urgent loan of 3 Lakhs. I contacted Bank for the same , they humbly denied after asking me 1000s of documents and telling me that Salary not in time is an issue. I somehow managed that period.
At the very same time we hired an expat, obviously on a huge salary package. He absconded from India in a month. One day the same bank representative came to me and asked about that guy. Bank had given him a Credit Card limit of 8-9 Lakhs per month, this guy exhausted that monthly limit by shopping in Bangkok and was not reachable anymore.
Bank guy asked me to help him with some contact details , some alternate number of that expat.
"Did you ask him or us for any document while issuing Credit card to him?" I asked him before giving the information.
This phenomena is called " Garibon ko tadpaao"
Financial institutions are so flexible when they deal with Big guys,(Niravs, Mallyas),where millions are on stake & "follow the process" when a poor wants some money to survive, wish to complete small dreams.
Anupam S Shlok
Anupamism
www.anupamism.blogspot.com
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