It is a pipe dream to think that banks can never have loan defaults and that the uncertainties will not affect any man or woman at any point in life. Loan defaults can happen and it is up to the bank to assess the genuineness of each case and act in accordance to the law of the land. Resorting to illegal/unlawful means is never a solution. The Govt. must come down with a heavy hand on such practices by banks. The slackness/inefficiency/ineffectiveness of the justice system in India is also the prime reason for people resorting to such criminal intimidation. It is high time that the Govt. gives more attention to reforming the judicial system. ARVIND NAIR
