Revenge is Surely Sweet

Revenge is Surely Sweet<?XML:NAMESPACE PREFIX = O />​

I was having an account in a Nationalized Bank for donkeys years. Now this incident is around 15 years old, but came to mind when a few days back the manager of the Bank came to me, going thru his old records, came to know I was a decent customer and now I don’t bank with them.


He called me from the Bank, and told me, I know u had great accounts with us, The Current Account, 4 savings Accounts, Fixed Deposits and now nothing ! I want to meet u and reneiw the relationship. I told him bluntly, that relationship is over and dead now, pls don’t come, but nowadays they are very persistent , and he just came over.


We sat over Tea, I put on the AC, which I don’t do even in the hottest temperatures, for in my office I pay commercial charges, that is double, so I sweat it out, but when someone such comes, I put it on for his comfort.


He said now we give good service, we will give u loans too, just open an account with us.i said nothing doing dear Sir, please don’t let me open my mouth, I am now comfortable with the current bank. So he asked me what happened at his branch 15 years ago that has put me off. I told him Rambabu knows, he is still in the Bank, but he said u tell me yourself. And then I gave it to him, good and proper.Here it is.


I was exporting very well those days, Goddess Lakshmi was very kind to me and Harsha.
Exports were good, so were profits, and no taxes on exports, life was hunky dory, and my account was with this one bank, so all my savings accounts and FD’s were in their branch.

We used to get Duty Drawback Cheques from the Customs, a gift by the Govt of India to us exporters, and it used to come to us by cheques, which we had to deposit in the bank for outstation clearances. The cheque should come back cleared with in a week or two, but they used to take months for my cheques.


I never pampered the Manager, for I worked with my own money, and advances received from the Buyers, for I never worked without advances.The buyers had to first trust me with their money, around 25% advance, and then I used to give the credit of the 75% to them, been my policy since ages. So I never gave any Diwali Gifts to the Manager or to the staff, nor had any Over Draft limits made from the bank, where as my other exporter friends in the same Bank had mortgaged their factories and homes for loans to run the business, and they used to lick everything of the Bankers.


So while their cheques came in quick time, these fellows used to keep mine in the bank for weeks on end, even months, to harass me, and I used to wear out my shoes going to the banks to find out if my cheques had come in, for I needed the money for business.


So one day I went to the bank met the manager, and complained but he said we cant do anything about the delay, and I told him u clear everyone’s cheques fast but mine, but he refused to listen to me.I told him if this is the case, I will close down my business account with u, with all my personal accounts, and all these FD’s I will withdraw from the bank once they mature.He said Mr.Mahtani, this is yr money, u can do what u want, meaning shove it there !



I told him, that is what u think, let me see what your head office thinks about this.I wrote a letter to the head office, and couriered it, with a two paged typed complaint,and photocopies of the FD’s that I had with them,expecting no reply, for I knew how beauracracy worked.Surprisingly in a few days I received a letter from the head office, tellingme they are sorry, and they have told the manager to talk to me and sort it out.


The manager called, and he said Sir can u come to the bank, we have received a letter from them,I said sorry.They said we want to come over, I said fine come over.


I put on the AC, told harsha to send me lovely tea in decent cups, with biscuits, and dry fruits, for when u want to behead a goat, u do feed it nice stuff before the slaughter, don’t u ?


When they came , I ticked them off, they pleaded with me to take my complaint back, I said nothing doing, and gave them a peice of my mind. Well after a week I heard the manager and the deputy were transferred to <?XML:NAMESPACE PREFIX = ST1 /><ST1LACE w:st="on"><ST1:COUNTRY-REGION w:st="on">Assam</ST1:COUNTRY-REGION></ST1LACE> or some other remote place, and I swear It pleased me no end.


But I was not over yet. Dad had just expired , and I was in that dark sort of a mood, very rare actually for me, for well I am human too. An ex banker is a good friend of mine, and I told him this story, and I asked him to tell me ways to screw the Bank and teach them a lesson.

He told me Kamal, here is the formula. You receive Customs duty Drawback, .When u deposit the cheque in the bank, they send it for clearing to <ST1LACE w:st="on"><ST1:CITY w:st="on">delhi</ST1:CITY></ST1LACE> or Mumbai, and when does the money come to your account ?


I said it takes months for the cheques to come cleared, and he said RBI law says, that it should come within 14 days, otherwise, they have to pay the savings rate interest on the delayed payments.


For example if my cheque amount was 3 lakhs, and it came after 94 days to my account, from the date I deposited to my account, minus 14 days from 94, so that makes it 80 days that I must receive interest on at 5% pa, that was the rate then.

I ran home and spent the whole day, taking out the records of the last 6 years or so, and made a huge list, and went personally to the Bank, and got one copy signed, and waited.


Soon I was credited with some 5000 bucks back interest, and I went and further claimed interest on interest, for some of these were many years old, and got another 500 or so.The new manager came to me, said the auditors have screwed us.


One fellow at the Bank had the gall to tell me, kamalji u are so cheap to take advantage of the RBI law, I said, u have not done any charity to me, if this panga had not taken place, I would have never claimed this from the Bank.By law I deserve this interest.Dont u guys charge us interest even for a day, when we borrow from u ?


And the new manager was listening to this , eyes opened, and he must have changed his opinion of me, for he quickly ran away from my office, Good riddance to bad rubbish.


But I can tell you, revenge was damn sweet, and even now I feel to have a scrap sometimes, but no one gives me an opportunity really.Revenge is necessary to bring my low BP to normal ones, and I did earn in the bargain too 5500 bucks eh !


No message here, we all live our lives our own ways, this was my way, to teach someone a lesson he will never forget. And a lesson for all, kill a snake, but don’t ever cross an angry Sindhi’s path, rather kill him, for if u leave him alive, he will haunt u for the rest of yr life.


Beware I am a sindhi !!!

Have a great Weekend , ladies and Gentlemen


KAMAL MAHTANI

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