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Friday, February 19, 2016

Thug Banks - TB – In India!

Almost a year back, when one of our friends went to the Bank Of India branch in Hanumanthnagar, Bangalore, to get a new Debit card in the place of an expired one, she was told by an arrogant bank Lootaccomplice (A person who is a partner or helper in the process of LOOTING, HELPING the bank to ‘TRICK’ the customers, efficiently!) to bring her PAN card, which she NEVER HAD, to have a new one! The FACT that she had been using the account for 11 or so years was ‘NOT’ enough for the Lootaccomplice, who was DEAD BENT on making her apply for a ‘PAN CARD’, one of the million identity cards an ordinary Indian IS ‘FORCED’ to carry, making one remember the ‘CARD CARRYING SYSTEM’ for the ‘BLACKS & BROWNS’ in the Imperial South Africa, wherefrom one MK Gandhi arrived in India, more than a century before, in 1915!

A couple of years ago, I learned that I could ‘REVIVE’ (Under various revival schemes –Schemes schemed by the scheming schemers of Thug Bank Industry (TBI!)!- initiated by the ‘NEW’ government policies of ‘THAT’ time!) my expired or out of service account in Canara Bank, which I started 20-25 years ago, by ‘GIVING’ the THUG BANK (TB as in TB the disease which wasted one’s Life, slowly!) 1500 or more Indian rupees, as my account ‘STOPPED” functioning due to the continuous decrease of  money in my account DUE to the non minimum balance theory (NMBT!) the TB practiced (Which means ONCE the TB stipulated minimum balance in my account dipped a rupee or so below the TB ‘stipulated’ 1000/- , which was ‘NOT’ the case when I opened the account decades back, and, TBs can ‘STIPULATE’ & ‘RESTIPULATE’ any time they wish !) they KEPT reducing ‘PENALTIES’ from my account ‘REGULARLY’ for a certain number of months, making the account (And, ofcourse me, the TB Account Holder –TBAH!) INDEBTED to the TB for MORE than 1500 Highly Devalued Indian Currency (HDIC!)! The very moment I heard this, I DISAPPERED from the TB Canara Bank premises!

Now a days, I NEVER EVER dare to go even a couple of kilometers near the TB Canara Bank, where I had my decades old TB Account AS I seriously suspect that they WILL SIEZE me & auction me in the ‘OPEN’ commodity market to SQUEEZ the more than 1500 HDIC & it’s interest out of me! When I read various MANIPULATED financial news articles (MFNA!) on the various TBs of India, I ALWAYS scan for my own photo being printed there DECLARING me an absconding Harshad Mehta or Liem Nielson who made the TB ‘tank’ under the weight of the HUGE debt (Of 1500 or so HDIC & it’s FAST growing interest!) or in the words of the ‘current’ trend –Non Performing Asset, NPA - I owe it!

When I gave a cheque to one of my friends on 12/02/16, Friday, LITTLE did I know that another one of the TBs, in the name of Catholic Syrian Bank (CSB!), where I have an account for almost 2 decades, will ‘BOUNCE’ my cheque stating that my account had been FROZEN, charging him 250/- in the process! Hearing this over the phone I FROZE myself! I could ‘NOT’ help thinking about my STATURE in the Republic of India! From my school days, I have a notion that ‘ONLY’ Important or Notorious persons got their account ‘FROZEN’ and it can be considered as a sign of the person, whose account has been ‘FROZEN’, as someone ‘NOT’ ordinary and, ofcourse, EXTRAORDINARY!

It took a couple of LOOOOOONG minutes for me to come out of this DEEP FROZEN state! I wondered whether I have enlisted myself in ISI or IS or Now Extinct ULFA or Al Qaeda, ‘in my dreams’ OR I have been ‘seriously’ suspected of HIDING a couple of Multiple Independently Targeted Reentry Vehicles (MIRVs!) & nuclear submarines ‘under’ my pillow to wage war against the nation THAT the so called AUTHORITIES, who ‘ONLY’ has, in India, the ‘Right To Freeze’ (RTF!), froze my assets!  

Frozen, though NOT deep frozen, I called the TB Catholic Syrian Bank & the woman on the other end started ‘LECTURING’ about my ‘FAILURE’ to give THE CSB THUGS the so called ‘KYC’ doc duly filled, ‘despite’ them sending me 3-4 letters, in my address, in this regard, in the last 12 or so months, ‘WHICH’, to my great surprise, I ‘NEVER’ GOT (“Should I ‘SUE’ the postal department for SWALLOWING UP all the 3-4 letters TB CSB ‘INVISIBLY’ sent me, spending a couple of decades in the Eternal Indian Courts (EICs!), spending whatever I earn?”, was the question, I knew, that ‘SHE’ wanted ‘to’ GROW, in my ‘FROZEN’ mind!)! She also ‘ARROGANTLY KINDLY’ informed me that they would ‘NEVER’ refund anything of the 250/- lost to my friend ‘solely’ due to THEIR ‘UNILATERAL’ FREEZING OF MY ACCOUNT, WITHOUT MY KNOWLEDGE, meaning I SHOULD shell out 250/- from ‘my pocket’ to give back the money my friend lost DUE TO TB Catholic Syrian Bank’s arrogant, stupid & uncalled for ‘dastardly’ act!

It was interesting to know that ‘THEY’ accepted the money deposited in the ‘FROZEN’ account on 5th of this month (February, 2016!), ‘WITHOUT’ ME SUBMITTING THE SO CALLED ALL IMPORTANT ‘KYC’ doc, about which they ‘PRETEND’ they sent me 3-4 letters in the last 12 months or so, in which I am asked to ‘CERTIFY’ that I am ‘NOT’ a member of ISIS, ISI of Pakistan, Al Qaeda etc and I am ‘not’ working for the Chinese or the SS or Dawood for my living and all the money I deposit in the Thug Bank (TB!) is ‘not’ coming from the ‘Hawala Deal’, ‘Fake’ Currency Business, ‘Illicit’ Liquor Business, Indian Adulteration ‘Industry’ (IAI – The latest ‘declared’ industry UNDER Make In India programme!), Narcotics Smuggling & Sale (NSS!), International Arms Deals, Large scale human trafficking, flesh trade in Las Vegas & Grand road, Mumbai etc & I will ‘NEVER’ submit ‘FAKE’ HDIC, ‘printed’ in ‘my’ Counterfeit Currency Press (CCP!), underground, in the Hawaii Islands & Mariana Trench Area, failing which I would be ‘FROZEN’, again!


As the FIRST STEP to prevent the ‘LOSSES’, regularly occurring to the ‘HAPLESS’ TB customers, ‘Each’ of the employees of the TB ‘SHOULD’ give self attested declarations (Know Your TB Lootaccomplice – KYTBL!) , ‘INDIVIDUALLY’ & with government approved ID proof (Ha…ha….ha…!) & a couple of photos, to the respective customers of the ‘every’ TB branch STATING THAT (1) he/she has ‘NEVER’ been involved in any financial malpractices, any time in his/her employment period, (2) he/she has ‘NEVER’ defaulted on any loans taken anywhere during his/her life time, (3) he/she has ‘NO’ criminal background, (4) he/she has ‘NEVER’ been booked for any offence under Indian Law, (5) he/she has a ‘GOOD’ school leaving certificate (Indicating his/her personal integrity REQUIRED for  a Lootaccomplice….ha….ha..!!!), (6) he/she has ‘NO’ quarreling/aggressive attitude in his/her character, (7) he/she is a human & humane to all etc THAT every customer can WITHOUT FEAR deposit one’s own HARD earned money in the TB, at the least, @ the time of depositing! 

And, the RIGHT to DEEP FREEZE (RDF!) the employee & the particular TB branch in the Icy caverns of Antarctica will 'solely' rest on the shoulders of the respective TB branch customers if he/she is found to have ‘FALSIFIED’ in the ‘Self Declaration’ he/she has given to the TB customer!

It ‘SHOULD’ be added in ‘BOLD’ letters in the TB branch declaration that IF any money is lost to the customer, in any way –As it happened to me!- or any inconvenience is caused to him or her IT will be COMPENSATED, in no time, TAKING THE COMPENSATION ‘from’ the salary of the employee BECAUSE OF WHOM the loss occurred! (When a bank takes BACK from its own employee the money it lost due to his or her inefficiency or stupidity, the TB customer ‘ALSO’ has the SAME right to RECLAIM his/her losses!)
  
As, I am a person WHO, ‘like’ millions of other ordinary Indian TB customers, deposit MY WHITE MONEY in the TBs & its ‘NOT’ the TBs depositing their money in My Account, I, and, all other millions of TB customers (Or shall they be called ‘TB Patients’?!), all across India, have a right TO DEMAND the Know Your Bank (KYB!) doc , presented to EVERYONE that I & the other millions of THE CHEATED by the TBs come to KNOW what happens in the so called TB Industry (TBI!)!

As, We, The Indian Customers, ‘SHOULD’ Know Their ‘LOOTING’ Banks or Bank Lootere, the Looting Banks or Bank Lootere SHOULD give each of their customers a declaration with the attested copies of ‘relevant’ (Ha….ha…ha…!) documents, attested copies of the photos of those Bank Thugs (BT!) who HEAD the Common Customer Looting Programme (CCLP!) etc that we, the common TB customers, at the least, come to know the Treacherous ‘ETHICAL’ Business Practices (TEBP!) ‘HONESTLY’ followed in the TB Industry!

The declaration, We, the common TB customers, DEMAND & ‘ought to’ get ‘SHOULD’ also provide the ANSWERS for the following questions:

1)    How the banks cheat their customers?

2)    How much they ‘make’ every financial year, CHEATING their customers?

3)    By HIDDEN charges & all (Nothing but ‘CERTIFIED’ LOOTING Techniques - CLT!)like’ withdrawal charges, ATM charges, cheque book charges, opening charges, closing charges, maintenance charges, minimum account NON maintenance charges, Bank Luteere charges, SB charges, Bank Luteere Union Charges (BLUC!), Sunday Charges, Monday Charges, Evening Charges & Morning Charges, Exceeding charges, Non exceeding charges, Active account charges, Inactive account charges etc HOW MUCH money they make, branchwise?

4)    What all methods they use to CHEAT their customers & the percentage wise statistics of ‘every’ method adopted?

5)    Where does the customers’ deposited money end up & @ what rate of interest?

6)    Why ‘SHOULD’ all the bank officials behave AS they are the Slave Bosses of India (‘SBI’……OMG!!!?) of the slave customers (SC!) WHEN, in Reality, the money is the common man customers’ (CMC!) & they are ‘ONLY’ the low grade accomplices of the Thug Tycoons of the so called banking industry?

7)    How the government of India & other Regulatory mechanisms HELP banks CHEAT their customers?

8)    When the inefficiency of the banking staff & the banks themselves make CRORES OF INDIANS’ MONEY go waste WHO THE BANKING ‘BASTARD’ IS HELD RESPONSIBLE?

9)    What happens to the HUGE amounts of money stored in these Thug Banks (TB!) without claims or, in reality, ‘FALSELY’ DECLARED as UNCLAIMED by the CHEAT BANKS?

10)                       Why they are NOT handing over the percentage decrease in the interest rates to the customers?

11)                       Why they ALWAYS HIKE interests UNPROPORTIONATELY when the RBI hikes interest rates?

12)                       Why the Bank Regulator Mechanisms ALWAYS ‘REGULATE’ the ordinary customers & NEVER the Thug Banks (TBs!)?

13)                       Why decades’ old VERIFIED accounts ‘require’ reverification after reverification according to the ‘WHIMS & FANCIES’ of the STUPIDS in the banking Industry?

14)                       Is the Banking Industry all about ‘LOOTING’ the common customers & supplying the BOOTY to the Highwaymen Of Repute (HoR –‘Sounds’ familiar?!) SO THAT common man’s money can be ‘WRITTEN OFF’ as NPA (Non Performing Assets) etc?

15)                       Who ALL help these shameless ‘TBs’ loot ordinary customers?

(There is a welcome suggestion, signed by millions of ‘NON ENTITY & NON EXISTENT’ netizens, doing the rounds, which is under ‘serious scrutiny’ of various financial departments & ministries to FIX ‘TB’ in front of all the banks in India as Mr, Mrs, Miss, Senorita, Messers etc are fixed in certain places, ALWAYS!)


An Interesting ‘RELATED’ Article From This Same Blog, Posted On 19th, February, 2009 Can Be Read HERE!  

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