I thought I am relieved of the loan. In May 2006 it was alright. In june 2006 the ECS cheque has been presented to my bank for clearance for that particular month(this is for the EMI of the loan which I had closed 2 months brfore, by paying the enitire loan plus the 100% interest amount, these ppl dont even reveal before taking the loan as to how much extra we will be paying apart from the loan amount in the form of interest). There was not sufficient funds in my account so the cheque bounced and I had to pay cheque return charges.

I called the branch of citifinancials Malleshwaram, where I had dealt with throughout my dealings to get back my return charges. I was directed to customer care. In the meantime a person from Citifinancials called me to ask why their cheque for the May 2006 EMI has bounced and I pounced on him. He also directed me to Customer Care.

I called Customer Care. I was told to clear the ECS for the cheque which will be presented again after 15 days(as cheque bounced for the previous presentation). Then they will get me back my money.

The only mistake I did in the entire episode is that I took a loan from CITI FINANCIALS

I REQUEST U ALL NOT TO GO FOR ANY LOAN WITH CITI FINANCIALS. FIRST U ARE PAYING MORE MONEY FOR NOTHING, SECOND U R THEIR CUSTOMER AND U R TREATED LIKE DOG.

If you want to rant, rant away, that’s fine… I don’t mind at all!

I like your comment policy – there is a definite need for spelling out blog etiquette, given the kind of comment spam that comes up.

Two other points you might like to think about :

The subtle promoter – all they do is comment “great post” or the equivalent, together with their site name. While you’ve to some extent touched on it by asking for constructive and thoughtful comment, it’s difficult to classify this as spam; but when it gets done for posts by the dozen, you definitely begin to wonder whether it’s real appreciation or something else.

The ranter : What I really appreciate is the person who adds another point of view, even if it’s diametrically opposed to what I think, and says so in a calm and reasonable way. If the comment ends up being a rant, especially with obscene language, it isn’t worth either taking it seriously, responding, or allowing it to continue on your blog.

BTW — I know what you mean. I just delete comments I feel are spammy. If they are close, I let them slide the first time, then delete from there on out.

The fact that you stuck around long enough to even read this article is evidence enough (to me) that it appears you didn’t mean to be a spammer.

Just kidding

I think that’s totally fair.