Have you ever missed an EMI for a loan you may have procured or for your credit card? What happened next? Did you get repeated calls from the concerned bank asking you to make the necessary payments immediately? Were you warned of additional charges and legal consequences if you delayed it further?
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Stories of harassment of the common man by bank officials in India when they fail to keep up with their loan payments are quite common. There have been numerous instances when farmers have been driven to commit suicide because they were unable to pay their loans. Students who procured large sums of money to pursue their college degrees but failed to get a job at the end of it too have faced similar instances.