I renewed my FD in the bank and checked the status via net banking after 10 days. I found that the bank manager had changed the terms of interest payment at the time of maturity after three years. However, it was on the monthly payout of interest before renewal.
First, I was quite upset and visited the bank manager immediately. The manager was out for lunch, and I waited for half an hour. Even though I was unhappy about the interest payment terms, I decided to remain cool and waited patiently. After lunch, the manager came, and I informed her about the error while renewing the FD. I asked her to restore the monthly payout of interest. And politely mentioned that I had missed telling her about maintaining the same payment terms, and she, too, missed asking about it. She tried to go through the system to change the terms of payment. However, it was impossible and needed to be broken and remade, resulting in a loss of penalty amount to me. I signalled to go ahead with that with a smiling comment that I would lose the cost of a packet of laddoos on the occasion of the Ganpati festival. I also checked whether I would get the same interest due change in renewal date. To our surprise, we found it a blessing in disguise as the revised interest rate was higher than earlier, and I benefited!
Has gone to the bank upset but maintained my cool and returned happy!
Patient and kind behaviour always benefits us.
~ Ashok Abhichandani