Hello janu

 Hello janu 

View on moratorium

View on moratorium

Moratorium one more trap for middle class people who only survive already many traps, after lock down was brought to everyone life, moratorium on loans and credit card supposed to bring relief on common people. But instant of relief it brings unscripted horror. I try to explain simple. If you barrow 1 Lakhs for credit card and you went on lock down, what happen after this six months, here is math’s, Every month is has interest consider 3%, like 3000 per month, at end of moratorium it will be like

                                Interest         3000*6=₹18000

                                Principal       ₹100000

                                Total            ₹118000  

Its technically banks are invested money on every borrower waiting to get return. How about people who borrowed, nothing its like end game for them. I still couldn’t figure out how everyone going to pay money at end moratorium. Hope everyone will know magic. 

In India currently 1.8 Crores jobs was lost during the period for Moratorium, consider 10% of that people group was in fall on borrows from bank then what happen to them, its horrible to think. So if you think is not that bad to that bankers will treat you, here list of banks which I have credit cards, and I will show you how they treat his customers on lock down period. 

RBL

Dear RBL instant of sending message and calls you made if you give me one paise (Not one rupee one paise), I would able to pay my entire credit card payment you and will have some saving also. 1000’s of msg and calls, I even start to think about creating recorded voice answering machine for your executive. Really

ICICI

I don’t even apply for moratorium for ICICI as I know them, and once I missed payment in moratorium period as they start calling ruthlessly. As RBL start work on 9- 7 means where ICICI collection people start 7-9, great work folks.

SBI

Its national bank, so they won’t call they just want to confirm the address to thread you personally. If you tell them you applied for moratorium, they will simply say SBI wont accepting moratorium make payment. Wonderful.

HDFC

HDFC wont even have option for applying moratorium, you are eligible if you not defaulter before march. Iam eligible until august then their system says call randomly every number is related to my account and ask them payment. And one call went my mother. Rest is history.

This how banks treat me on lock down, I was more fear to banker then covid-19. I know its fault that iam not stabling myself financially, but I was excused by Government from banks to relief myself (just kidding). 

RBI

This is how banks and government of India treating you.

Government of India

I don’t think there is any government available now, as everything was sold to private, so its not anymore government of india(GOI), Its india private limited(IPL).

What are possible defense people can come about bank attitude.

1. D:U won there money you have to pay

         A: title is about moratorium not about bank collection 

2. What you expect where everywhere is messy 

        Yes, messy is not everywhere, we are everywhere and we are messy. We are the one need help

3. What you except from government 

        Basic except is always as we need government where it can be common people government

My heart goes people who lost job and business for this covid-19 situation, I believe covid-19 killed less then this system kills

Note: I still not arraigned money for banks to pay, as I didn’t have my full income, but waiting for September to get fucked by bankers.

பூவும் பொட்டும் - நாதஸ்வர ஓசையிலே

நாதஸ்வர ஓசையிலே தேவன் வந்து பாடுகின்றான்
சேர்ந்து வரும் மேளத்திலே தேவி நடம் ஆடுகின்றாள்

( நாதஸ்வர )

கோலமிட்ட மணவறையில் குங்குமத்தின் சங்கமத்தில்
மாலையிட்ட பூங்கழுத்தில் தாலி கட்டும் வேளையிலும்
ஊரார்கள் வாழ்த்துரைக்க ஊர்வலத்தில் வரும்பொழுதும்
தேவன் வந்து பாடுகின்றான் தேவி நடம் ஆடுகின்றாள்

( நாதஸ்வர )

மை வடித்த கண்ணிரண்டும் மண் பார்க்கும் பாவனையில்
கைப் பிடித்த நாயகனின் கட்டழகு கண்டு வர
மெய்சிலிர்த்து முகம் சிவக்கும் மெல்லிடையாள் கூந்தலிலே
தேவி நடம் ஆடுகின்றாள் தேவன் வந்து பாடுகின்றான்

( நாதஸ்வர )

கற்பில் ஒரு கண்ணகியாய் காதலுக்கு ஜானகியாய்
சிற்ப மகள் வாழ்க்கை என்று தேவன் வந்து பாடுகின்றான்
பத்தினியைக் காவல் கொண்டு பார் புகழ வாழ்க என்று
சத்தியத்தின் மேடையிலே தேவி நடம் ஆடுகின்றாள்
( நாதஸ்வர )