What matters is ability to repay loan, not OC

I was simply shocked to learn from my daughter that her housing loan application has been rejected by the country’s largest nationalised bank, SBI, on the flimsy grounds of ‘Occupancy Certificate.’
As an educated and bonafide citizen of ‘Mahaan Bharat,’ I would like to ask the said bank, what are their criteria in sanctioning housing loans to a borrower residing in a rural area like the village Agashi in Vasai taluka.
Whether the bank, after verifying the veracity of the builder, the relevant permissions from CIDCO or any concerned authorities before construction of building, title deeds of the land and building plans approval and passing by the registered architect, the advocate’s land’s survey/title deed report, the building completion certificate and possession certificate and so on. And last but not the least , the borrowers’ eligibility and capacity to receive the loan and repay the loan to the bank.
In the above case , though the said bank approved all the above major and most important requisite papers, but rejected her loan application merely because the building had received occupancy certification from the village panchayat.
In the above backdrop, I would certainly like to know why the bank took more than two-and-a half months to know and realise that the building and the borrower both are residing in the village and since the building comes under the jurisdiction of the village, it has received the relevant ‘occupation certificate’ from the village panchayat.
How can PSUs like the SBI turn down / refuse housing loans on the flimsy ground of occupancy certificate, rather than the borrowers capacity to return / repay the loan? When the government of India is constantly advising banks to reach the country’s rural areas and extend monetary help to the common people residing therein!
-Zahur Maniar, Virar.’

Scant regard for pedestrians

Pedestrians are often considered to be the lowliest of creatures by those with wheels. The traffic police is no exception. As a walker, I take the risk of crossing the Amar Mahal Junction in Chembur, everyday. I am very disturbed to see that vehicles coming from the Chembur East side disobey the signals to proceed to Lokhande Marg and Chheda Nagar. The pity is that this happens even in the presence of the policemen, who allow drivers to disobey signals, endangering the lives of the pedestrians. Will the police commissioner kindly instruct his men to follow the rules?
-V V Vijayan, Chembur.

Hardly whirlwind after-sales service

We have a Whirlpool washing machine, which stopped working last week. Immediately, we lodged a complaint with the company, Quick Service. The repair technician showed up after 24 hours and informed us that he would have to order a replacement part from Ludhiana , which would only be received four days after, so the machine would be fixed on the following day.
We paid thousands of rupees to purchase the product and extended service, and yet had to undergo such inconvenience. How can spare parts not be readily available locally? What sort of quick service is this?
-Gajanan Deo, Dombivli.

Double jeopardy at B Worlikar Chowk

The road crossing at the Babasaheb Worlikar Chowk near Century Bazar from any end to the other is a nightmare for young and the old alike, despite the presence of the traffic constables, and this is due to the narrow footpath at all ends and incessant traffic in all directions, particularly during peak hours. The BEST bus stops for the South Mumbai-bound buses are halfway down, near Prabhadevi. The users of these bus stops are from nearby Adarsh Nagar, Worli Village and from the Old Prabhadevi Road area. So it’s double trouble for people trying to reach these bus stops — walking long distances for the bus and negotiating the traffic while doing so. It’s high time that the authorities concerned consider providing skywalks to ease the public’s woes at the Babasaheb Worlikar Chowk.
-Ramesh N. Hasgekar, Prabhadevi.

Mega weekly inconvenience

Sunday mega blocks on Central Railway have become a perennial feature for the last couple of years. The woes of Harbour Line commuters are extreme. Though the traffic block is announced for about five to six hours and partial services are run on either alternative routes or in between shorter destinations, it is next to impossible to board a local at intervening stations. One has to think twice to move out of home on Sundays to visit relatives or for shopping. Services remain paralysed all through the day and night. While the maintenance of tracks and overhead wires is unquestionable, the ineffective mobilization of men and machinery is incomprehensible. The maintenance work is decided beforehand and as such its orderly completion must be better ensured so as to minimise hardship to commuters.
Alternatively, the railways must ponder carrying out routine maintenance/monitoring works during the night.
– N V Unnithan, Nerul.

Now, you can send pictures too
Considering the enthusiastic response to Vox Populi, FPJ is introducing the visual version of the complaints column. Readers may send photographs of open manholes, cratered roads, filthy hospitals, haphazard parking or any other public hazard to fpjcity@gmail.com . Please note that the file must be sent in ‘jpg’ format and with relevant details. Also remember to include your complete address along with your correspondence.

Letters for this column may be sent to fpjcity@gmail.com or they could be posted to Vox Populi, The Free Press Journal, Free Press House, Free Press Marg, 215 Nariman Point,
Mumbai – 400021.
Fax: 22874688.

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