1) No clarity of rules amongst employees in the bank branches wkg. in Loan section . 2) No accountability , hence , no uniform answer from the employees . 3)There cannot be 2%-4% charge for foreclosure . Because of nonclarity such statements have been made by the employees . It can be either 2% or 4% . 4)Harassment suffered by Ram Naresh was due to ignorence of employees which leads to noncommital and delays in responding . 5)In any bank, Loan section has to handle various cross section of people . Hence , persons(not a particular person ) wkg. there need to know the rules thoroghly . 6)The employees who will be deputed to Loan section should be a dedicated lot . All of them should know to handle the customers to their satisfaction . Before placing any employee in any sensitive section like Loan section , an individual should be given thorough training both externally and internally (on the job training ). Then only all those problems will be overcome . P K Chatterjee
