Difficulties faced by middle class people and problems faced by Banks.

An average middle-class man remains helpless in situations where society and time does not cooperate.

I don't know whether it is right or wrong to write like this. I have been in doubt whether to write this letter for a month or not. But I must write this because of my circumstances. Don't tease me. You have no idea how much I was torn to write this letter. Killing my ego and writing. My name is Suribabu. Palangi is a village near Tanuku town in Andhra Pradesh. I am 56 years old. I have two sons. The eldest son is married. He is working as Inspection Engineer in RITES LTD, BHILAI.

But it is a contract based job. The salary is enough for him.. And the second boy is doing a private job in Hyderabad. Although the salary is low it is slightly better than the opportunities in our area. Corona has put a fire in our lives that are going on like this. My youngest son lost his job. Since then, He has been surviving with the small jobs he found.

As for me. I studied 10th standard. I grew up as an accountant doing small jobs in my life. My knowledge is enough for businesses here. I don't work for big jobs. Living like that, I got a good lucky job in our area. I am an accountant for a company that all brothers and sisters work together. In that company they have one RICEMILL, 2 POULTRY FARMS in 2 areas and two WEIGHBRIDGES. I am the accountant cum ADVISER for all of them. Life has changed and salary has increased. Facilities are provided. After this happened for some time, all the brothers separated and decided to do their own business. RICEMILL to one person, POULTRY FARM to one and WEIGHBRIDGE to another POULTRY FARM and WEIGHBRIDGE to another as shares. The problem begins now. Everyone left me together confusion as to who should take me. I was job hunting again. Qualifications were preferred over mine experience. That's why I was empty for many days. Then I was advised by an auditor who was very close to me. No one will give you a job under these circumstances. So practice on your own. He encouraged me that if you have any problem come to us. As he said, I practiced on my own. I got lucky. Increased practice increased income. I built a 2 STAIR house on my own. I also bought a car. I am busy doing the works given by the auditor. However, some time ago someone I worked with needed me. A poultry farm that was doing so went into losses. Then I remembered. I am going to them one day a week as an accountant giving them appropriate advice. Within a few days, I made the poultry farm profitable. The second poultry farm

The guy who picked it up also hired me as a consultant and accountant. The owner of the first poultry The farm died shortly after. Their son decided to drive it. He followed my advice for a while. His money has increased. Later he stopped listening to my advice. He lost a lot during Corona time. I didn't Listen to what I said. Eventually he sold the poultry farm to pay off his debts. Thus the opportunity was lost.

And the second poultry farm person did business very carefully and followed my advice and started poultry related business. He gave me a share in it. Together we grew the business. Profits are also good. So I got 2 crores as my share. I have used some for my needs but the original amount is with them. Although he thought he was doing well, he died of illness. Now their family members have closed all the businesses. I asked them to give it to me. They did not agree to give it to me.

Because I am a clerk working for them. And not their caste. I asked him to give me that money was my share. No proof. This agreement was made verbally between him and me. There is no such thing as writing. He appreciated my advice for my goodness and gave me share but I did not invest anything. And none of their family members are male. All women are left. Thus I lost my second income. At the same time, the work coming from the auditor has also decreased. All income is gone.

As there was no profit like this, I mortgaged my house in ICICI bank and took a loan and tried to do business. The bank denied me a loan because I did not have their required qualifications. Meanwhile Corona came. My youngest son lost his job. My income is zero. Couldn't pay EMI's on credit cards and personal loans taken from banks. It lowered my credit score. Now none of the banks agree to give me a loan. There is no condition to get a new job and no eligibility to get loan from banks. Now

Tried for loan through UBI. But civil score is not good. And because some of my loans have been written off, they said that the loan cannot be given Other than this, there are no people who I can afford to borrow money from. Now I don't know what to do. If we do, no one is giving us a job.

There are no sufficient financial resources to invest and do business..I have more experience in rice mill and poultry farm. Also as an accountant and can advise on their businesses. I have no other experience.

After reading this you will have many questions. I have an answer for everything. If they are all written in it, it will be a book