Banks which take utmost precautions before lending money need not have recovery agents.It is the very officers of the bank who get involved in bogus loan accounts who contribute for bad debts.A were training or a rule can never change the character.A police man has so much in his rule book but always wields his lotty on innocents while leaving the rowdies and influential scot- free.Goondas in the garb of recovery agents pounce upon honest borrowers who may default in one or two loan instalments.Only man who cares too much for self respect commits suicide.A Stubborn borrower sends recovery agents back in an ambulance as it happened in Bangalore