Central Bank of India names girl and her father as defaulters over non-payment of education loan
GN Bureau | March 3, 2016
Unable to pay up her education loan, a girl in Tamil Nadu had to face serious embarrassment at the hands of a public sector bank which named the beneficiary and her father as defaulters. Taking cognizance of the matter, the National Human Rights Commission (NHRC) has issued a show cause notice to the chairman of Central Bank of India asking why it should not recommend monetary relief of Rs 1 lakh to the beneficiary for being insulted.
Apparently, the Manjoor branch of the bank in the Nilgiris district of Tamil Nadu displayed the girl as well as her father’s photographs captioning them wrongly as ‘missing’ and ‘defaulters’. Threatening telephonic calls were also made to her ailing father.
The commission’s show cause notice follows the admittance of error by the bank which has been given six weeks’ time to respond. In its report submitted to NHRC, the bank says that due to erroneous data entry in the system the victim’s loan account was wrongly classified as ‘non-performing asset’ (NPA). The bank’s move was against the advice of ministry of finance to all banks which says that names and photographs of students, who are unable to repay education loan or where there is a delay in the repayment, should not be published.
Justice D. Murugesan, member, NHRC, while issuing the show cause notice, observed that the display of photographs of the victim and her father on the notice board was a violation of their right to live with dignity, which is recognized as dereliction of article 21 of the constitution as well as human rights.
The victim had taken an education loan for Rs 2 lakh from the Manjoor branch of Central Bank of India to pursue her B.E. degree course. She completed the course in 2013 and according to the model IVA scheme, the first repayment had to commence from July, 2014 as per the moratorium. The moratorium included study period and a year after that to start the process of repaying the loan in 120 installments. She had paid half of the loan amount in the first month itself after the moratorium. She said that the coercive methods adopted by the bank that too against the established norms of education loan repayment amounted to violation of human rights. It is also alleged that her ailing father had died due to shock after receiving threatening telephone calls from the bank.
Harshdeep Kaur is a playback singer better known for her Sufi renditions. She sings Hindi as well as Punjabi. She sang ‘Ik Onkar’ in Rang De Basanti apart from several other soulful songs. Her track ‘R.I.P.’ composed by AR Rahman was part of Oscar-winner Danny Boyle’s film
Out of all MPs and MLAs in office, 58 have declared cases related to hate speech. This includes union minister for drinking water and sanitation Uma Bharti along with 14 other Lok Sabha MPs. The list also includes 8 state ministers. A party wise analysis reveals that BJP has the highest numb
After its withdrawal from Meghalaya and Arunachal, is it time to review AFSPA in other areas too?
There is an uncanny similarity in the pathological opposition to prime minister Narendra Modi by two members of the right wing, Pravin Togadia and Yashwant Sinha. They come from a diverse social and political background; yet they share a common strand that shows an unmitigated hatred towards
Data is the new oil; and it needs to be protected. In an interaction with Governance Now, Lionel Baraban, CEO of Famoco, talks about how the French tech firm is developing secure business devices to safeguard data against going to other countries. What are the major roles o
Goa Shipyard Ltd (GSL) and MTU, Germany have agreed to cooperate in the local manufacturing of technologically-advanced MTU series 8000 engines in India. Under the agreement, which was signed at India’s leading defence trade show Defexpo-18, the companies will manufacture the 16-