The Bane of Debt Collectors like Bilkish and gang
Losing a job in Dubai is exasperating and the fear of intimidation and embarrassment forces some to rush back home. None of these can be called Brave hearts yet they are Indians our countrymen.
Few leave behind financial dues to their bank through a lot of unsolicited benefits thrust on them during their profitable tenure.
These benefits in the form of personal loans and credit cards become a burden of concern and without a proper job to support repayments their anxiety becomes alarming. They are mentally forced to take the easy way out before it becomes too stifling to stay and face a menacing threat of imprisonment
These unlucky folks return home only to soon realize that their woes are yet to begin.
Bad investments, mismanaged funds, incomplete house constructions, incompatible ruthless job market, alienated family and friends, unfriendly neighbors are only some of Gulf Returnees predicaments.
Their life turns to a nightmare by besieging debt collection agencies, who capitalize on their misfortune to scrape a pound of flesh from these decomposing ruins.
The modus operandi of these debt collection agencies is primeval. They are callous, uncouth and reckless. There can be more than one caller claiming to represent a Dubai bank and their calls may come from many locations around the country.
Without any basic introductions in a foul mouthed authority they inquire about the bigoted soul. Attending such a call will leave the recipient and his family concerned and sleepless for few nights. The caller will also introduce an extra voice or two during the conversation claiming to be legal experts explaining their opinions of this delinquency and promising redemption on co-operation.
Some send their representatives to residences armed with a faded photocopy of outdated statements, or a group of names and figures to frighten the living souls of that house. These emissaries of terrorization never even carry a visiting card or any other document as proof of any identity.
Few even carry carefully doctored printouts which they flout to the gullible about unheard Reserve Bank of India authorizations urging medieval type of persecutions and extreme torture against defaulters. They will use all sort of pressure tactics to intimidate the wretched naive to submission.
They assuage a way out for the debtor through deferred payments made to them.
The shaken NRI hardly questions his savior on how his part payments will bail him out of his outstanding troubles or how his money will be transferred out to Dubai from India - a country which has certain restrictions on foreign currency transfer. He tries to come to terms to the consolation of finding a friend to hang on while drowning little realizing that the screw to upset his future peace has just been tightened.
As soon as one bone collector seems to have toned down new voices emerge from the telephone making the frail and elderly of that home cringe with consternation. It can be the same person or his associates calling with different identities for an easy kill.
The poor NRI defaulter lamb is after all quite ready for slaughter.
It is quite incomprehensible how our law fails to detect such miscreants and bring to book these despicable operators who have no legal sanctity.
How can such human filth be allowed to feast upon the pride of our countrymen who are already feeble with their downbeat status?
The law of the land stipulates foreign funds can be transferred only for studies or business or for specifically approved purposes. Yet these scourges go about making victims of countrymen already in the periphery of mental deformity.
Is it not obvious to our authorities on this developing racket in our country in the name of debt collection for foreign banks?
None of these debt collectors have any jurisprudence or legal sanctity except coerce the submissive by infecting fear. Their actions are nothing short of robbery or blackmail.
Isn’t it time our Government or the Cops took cognizance of these nefarious activities and did something about it.
It is quite obvious that the funds from this intimidation are dispersed among the players of this wicked game. This extortion money can also be expended to other unaccounted and illegal activities.
By the time some sense of reality strikes the NRI he has already been sucked out of a good part of his original dues without any result. Living out a jail term in Dubai would at least have saved him and his family from all this trauma and aggravation.
There is no justification to the wrong the expatriate NRI does by misusing his credibility and trust while working in the foreign country but he has the rights to be judged in a civilized manner and to be heard legally about his misfortunes that has caused this maim. After all we are not citizens of a banana republic. In case of being judged a felon the person should be prosecuted by the law of this land for his misdemeanor rather than being manipulated to humiliation and intimidation in the hands of these wicked operators who would enjoy a hula dance over a decomposing carcass. .
A stern executive response of this land can alone put this scourge down and save some of our damned souls from doing anything extreme.
Let the law of our land take charge to provide justice to all. These traumatized souls need to bid again for a fresh life with their left over energy.
That is the least we can do to thank them for their productive good times abroad.