I would like to thank all the people involved in getting this artical placed here.Here I would like to say that outsourcing may get more sales to these banks but on a longer term reduces the credibility of these banks since these DSA's work on very high sales target and misguide the customer.One suggestion from a customer point of view if i may suggest is that all banks should have a verification /quality team (under RBI or any regulatory body)where these sales should be verified and all the terms and conditions should be put forward to the customers which could have been not mentioned by the banks(DSA's)at the time of sale.The other solution is that all banks should have a post sale # and a toll free automated #where in he or she can put in thier sales reciept and get all the guidelines and limitations which might have been left out by the banks staff.There it should give a choice to the customer to decline the offer on this automated machine and get thier refusal # then and there.I once again thank rediff to getting this article and enligten us with the problems that needs to be adressed.Thanks Rahul