Loan Defaulters, Debt Collectors and those caught In-Between...

 

I recently read a story about lenders adopting intimidating techniques on loan defaulters, no thanks to the precarious economic condition in India for the last few years,  now conveniently explained away by the government as the fallout of the COVID-19 ScamDemic. 

Well, despite not being a loan-taker, my car instalments being paid 10 years back, I still found myself on the receiving end of such harassment several times. 

The first started when I added a friend's wife on Facebook, who had apparently defaulted on a car loan more than a decade back and fled town. The recovery agent followed her FB account as it had no privacy settings, next found my phone number from a job site where they were registered as an employment agency and unleashed 24-hour harassment via intimidating calls demanding her number and address. He even cited my home address, threatening to come over physically.

It took me a day to discover that they got my contact details from the  India job site www.Naukri.com. I believe the firm's name was Lakshmi Debt Recovery Agency, unfortunately, I deleted a bunch of emails which included the one where I mentioned their full name and address in my complaint to the job portal, which incidentally didn't even elicit an automated response! It was only when I threatened them back with much more abusive language naming their agency and address did the calls stop. 

Next, it was some tailor who gave a bank my landline number as his, or maybe the phone company just allocate me a disused number. It took the cooling power of an industrial refrigerator to keep my blood pressure down as I patiently explained to the utterly obnoxious woman on the phone that my sewing skills extend to darning my underwear or sewing a button. That I have absolutely no clue as to who their elusive tailor was. Yes, I even invited her for a cup to tea to my place to see for herself, mentioning that I lived alone... The creep factor always works with women, and she backed off.

 Most recently, I got a call about an ex-colleague, an out-and-out conman who in his latest series of unpaid loans, defaulted on a  personal bank loan taken out on his wife's name. I bluntly told them what I thought of him but asked them back how I was concerned? 

"Well, you were a director in that company," they replied lamely. 

" I was just an employee", I clarified "but even if I was the owner, in what way am I liable ??" 

They cut the line. 

India is Filthy - Live with it!!

India has some of the filthiest cities in the world,  no thanks to a dysfunctional socialistic and corruption ridden municipal service, lack of civic amenities and an almost universal lack of civic sense among her citizens. Indian cities occupy  22 positions among the top 30 dirties cities in terms of air pollution in the world with Delhi being the most polluted capital. Yet, what surpasses both our filthy air and toxic waterways in the amount of venom my fellow Indians are capable of spreading online the moment they feel the country's image or prestige is undermined.

 Well, to be honest no one really gives a flying-F about the country, otherwise she wouldn't have been in the state she is in, but for most of my fellow Indians whether the domicile variety of the economic migrants (sorry ex-pat is strictly a white-privilege term) the equation for nationalism and self-respect is per the following formula:

My ancestors were great = My Country is great = So I should be respected!

Post Modi and the rabid but short-lived nationalism his regime brought about (rabies is in-fact short-lived) it changed to : 

My ancestors were great + My Leader is Strong and Assertive(Great)= My Country is great =So I should be respected!!

Hence, the online rage and venom because Trump spoke the ugly truth about India's filth. Though it beats me how the topic even came up in US presidential debates, especially when considering that US cities and the poverty of a large section of the  people is that country rivals that of 3rd world countries. 

But yes, it's true the air quality in Indian cities is filthy, in fact the worst in the whole world and that's a fact. I live here and I know it first hand. So  feigning rage and spreading venom on social media, hurling abuses on Trump or "H.E. Supreme Leader Modi" is not going to clear up the atmospheric toxicity here in anyway.

2nd Chances never work..into the Rubbish Bin

Okay, I know it looks and sounds FaceBookish, but it's been my guiding principle all my adult life, the same applies for professional relationships as well. 

Nobody is perfect, and we all have to deal with difficult and demanding people or clients. Nonetheless, it takes a more than a certain amount of unreasonableness, malice or entitlement to make it toxic.

I have seen time and time again that a 2nd chance never works out, in fact it fizzles out even faster than the first... 

So to the rubbish bin of relations it is...

And some people are sent there right after the first meeting...to hell with the potential business opportunity lost!!

Propaganda replaced News a long time back..

I grew up during the last vestiges of the Cold War in a place the least affected by it in any way. 

There it was Reader's Digest readers who "knew" that the US was the land of the free, and those who purchased Soviet books on everything from Russian folk tales to Marxism and Physics textbooks, sold at a price lower than the cost of transporting them. 

At times the dividing lines merged. 

I always detested the feel-good Reader's Digest, viewing it as covert American propaganda, which as an adult I learned that it in-fact was, same with Nat Geo and Popular Mechanics. But the key word here is "covert." 

With no television, it was a battle of government radio stations on short wave. BBC was still held to be truthful, till they exposed themselves much later during the NATO bombing of Yugoslavia, lying even more than the US outlets. VOA and Radio Liberty for propaganda against the Soviet Union, and Radio Moscow for laughs. 

However, none of the cold-war rhetoric can compare with the deeply penetrating psychologically structured divisive venom and misinformation spread by today's corporate media the world over. Be it India, Russia or the "Free" west - They have divided people the way no Cold War spook could have dared to dream!!

#coldwar #propaganda #media #corporate #divisive #venom

Relatives and a Business Suit

 "Ravi, do you have any relatives in Delhi? "

No Sir!!

"Not even friends, with whom you can stay for a few days?"

No Sir!!! (More forcefully).

Big Sigh !!"...well try to find an economical hotel !!"

 It was 1996 and being the only person in the organization to know how to use computers and PowerPoint, I was selected to accompany the big Boss to the Auto Expo 96. My fellow young colleagues were all green in envy, especially as there was a rumour that I would be also getting a new business suit. 

That was till the time the Boss's wife called me into their office and asked me to try on a decidedly worn coat which  beaming she old me that was the one her husband wore on their wedding. It did fit, albeit a bit loosely, and I was told to wear a sweater underneath as Delhi would be quite cold anyway. 

So wear it I did, trudging a borrowed laptop, lodging in a common bathroom room in YMCA Delhi (which much to the relief of my Boss as it included complimentary breakfast). Thus, I attended my first ever international exhibition and I could consider myself lucky as a couple of our senior managers came to see it on their own expense. 

And yes, except me everyone including the Boss stayed as uninvited guests with their relatives. 

#expo #exhibitions #work #profession #businesssuit #relatives

Pavlik & Karens - Not a Sex Story!!

The story of "Pavlik Morozov" was compulsorily taught in soviet schools and his portrait hung in every classroom. He was a communist martyr, a boy who informed on his father to the authorities for some criminal activity (hoarding grains as per another version) and so was killed by his family. The moral was two-fold: A hero always places the state above his family and that it's perfectly all right to snitch on family members if they don't follow government dictates.

 The western world always expressed horror on such leftist indoctrination, but are no strangers to such behaviour either. Right from the days of the Catholic inquisition in Europe to McCarthy's anti-communist witchunt in the 50s, to standing in long ques for signing-up to spy on terrorists (neighbours) after 9/11 in the US. 

Now, in the era of Corona Karens, people are self-righteously spying and snitching on others for lockdown or mask-rule violations "all for the good of the State". So stop blaming communists and pseudo-leftists, as McCarthy and Bush were republicans, while BoJo the Clown is a Tory. 

Remember there are Pavliks & Karens aplenty in every society, all it takes is a government that promotes a "snitch on your neighbour" policy.

Google Censorship - Great Barrington Declaration

Covid Censorship - Google is not showing the Great Barrington Declaration page in its searches. Though its facing flake in the news because a handful of its signatories are fake, the mass media conveniently ignores the long list of medical professionals and their expertise who signed the declaration.

The declaration was authored by Sunetra Gupta of the University of Oxford, Jay Bhattacharya of Stanford University, and Martin Kulldorff of Harvard University. Cosignatories, across disciplines ranging from epidemiology, biostatistics, and public health, through psychiatry and self-harm, to finance and human geography, include Sucharit Bhakdi, David Livermore, Angus Dalgleish, Mike Hulme, Michael Levitt, Jonas Ludvigsson, Yaz Gülnur Muradoğlu, David L. Katz, and Karol Sikora.

https://gbdeclaration.org