I sympathise withRavi. There are hundreds of Ravis who have had horrifying experience with this bank. I wonder why Ravi should not move the Banking Ombudsman in Bangalore and file a petition asking the Bank not to recover the amount from him and seek damages for Ravi's loss of sleep over the bank's unjustified demands. I also wonder why RBI is very soft with ICICI and HDFC Banks ; is it because that RBI lacks the will to proceed against these "powerful" banks who have got their connections with the bureaucrats and politicians in Delhi?
