Pradhy,I pity your ignorance.It's Hindi which most (if not all) people in our country understand.For your convenience though,what he meant was "it's good to preach but the preacher should be competent & well-informed enough to hand-over an advise of this nature".I hope now the point made by him is very clear to you.BTW,I fully agree with him.It's almost impossible to take a house in most cities of India(Mumbai,Bangalore,Delhi,Hyderabad..the list is endless) and one has to go for a loan.The problem is at both ends..the scheming defaulters and inefficient,greedy,immoral banks,who will never take any blame on their part.If you genuinely drop your CC outstanding cheque in a drop-box and the bank loses it,who is responsible for it?The bank will never accept its fault and will rather charge interest on that outstanding.Why can't they devise a mechanism wherein a "drop-box" is replaced by a "collection clerk" who can issue a receipt immediately ? This way the customer has some proof that he actually deposited the cheque.If the cheque bounces afterwards then obviously the customer is to be held guilty but no mechanism can be as one-sided as the one in existence in our country.Kindly spare a thought for genuine,law-abiding,honest customers who suffer without any of their fault,primarily because of the high-handedness of some of these banks;the most notable ones in this category being ICICI,HDFC,HSBC,etc.
