Removing Hypothecation...
What next? Asked my better half as I heaved a sigh of satisfaction [read relief] having been able to finally settle the overdraft we had foolishly gone for at a time when we had just 3 installments to clear before finally qualifying to be the absolute proud owner of our Maruti 800. No HP... No nothing... No HP did I say...? Aaah this is the only hurdle we'll have to clear before calling our Maruti 800 ours I told my wife as I called up an old aquantance who was now a 'Buy-n-Sell' automobile dealer.
After a couple of "Jhalak dikhlaa ja...Jhalak dikhlaa ja..." on the mobile its masters voice finally made an appearance. After rutine two or three "Aur sunao kya ho raha hai?" I found the iron hot to hammer my Kaam to him. "Bus Teen chaar Hazaar ka kharcha hai... tumhara kaam ho jaayega... jab bole larka bhej dunga bus aap kaagaz aur note usko de dena, and within three or four days, you'll get your smart card."
"Teen, Char Hazaar S#$L%, friend banke friend ko loota hai..." I murmerred somewhere in my mind as I heard myself telling him yaar abhi to paisa thora tight hai, aagle mahine milta hun.." after a couple of "...aur batao sab thik thaak.." I still don't remember, if it was he or it was me who disconnected the phone first.
I immediately went to do what I do just after the best... look up the www for more info on HP removal... I had a plethora of info feeds all saying I could get the job done accross the table, the same day in just few hundred bucks. I was now even more determined to get the job done myself.
Armed with all [to the best of my knowledge and belief] documents, one fine morning I hired a three wheeler scooter to the battle field at Sarai Kaale Khan in Delhi. Battle field...? no no... it would be unfair to brand the RTO office a battle field. The local RTO office is a 'Peethasthaan' (School) of learning and a visit, I discovered, is joy for ever.
At the RTO, they work very meticulously and give you information in parts and installments ensuring that you don't go wrong in any way. It helps one save time and energy.
With me, first they asked me for the Car's reg. papers, then the Insurance cover then the PUCC. When all these were found in order, the guy behind the window asked me for address proof. It had to be a drivers license or the voters I card. I said I had both with me and asked him which was more appropriate. With a bored look he said, "koi bhi chalega, get them xeroxed and come back tomorrow."
I knew I had to submit xerox copies of these documents and I had thought I would get them xeroxed somewhere near by the Kalekhan RTO. This is where I started going wrong. Half an hours recee of the area led me to find 7 to 8 shops with boards that read XEROX. But only a couple of them had working machines, the rest had switched business to running the more profitable STD/ ISD booth. While the first of the two shops with working xerox machines was closed because of "lait nai hai!!" the second 1 block away was partially closed. "come back after half an hour" cooed a cute thing from behind the curtained partition to my "Koi hay?" .
I thanked my luck when after following directions from the locals I found the 9th shop open. By this time I had already put to use my precious 20 minutes. As my papers were being xeroxed in duplicate, I was contemplating if it would have been wiser to wait the half an hour at the cute's shop ;).
Armed with all the documents I marched back to the submission window at the RTA. The bored guy glanced at me with a " So you are back again" look. Scared that he would admonish me for coming back, I hesitantly said to him.. " Ssir, the documents have been xeroxed... here they are, please..." even before I could finish, he sprung up saying " Arre Bhaiyya, I told you to come back tomorrow, now who is going to get these attested? Wait a minute, whose Id is this? The name on the registration paper is of a female and the Id proof is of a male. Get the Id proof of the person whose name appears of the registration papers."
I tried to reason," Sir I'm the husband of the car owner who is at present posted in another state, and more over this is only for HP removal, so pls see if my Id proof can get the work done. See this is a photocopy of my wifes Identity Card and it also carries a M/o Home Affairs Seal. So pls see if there is a way out". "NO NO No." pat came the answer " The papers have to be attested, and the owner has to come personally to get the thing done." But Sir, that will be a long time. she will not be here till the winter vacations in December and we'll be on vacation during the vacation" I whined in vain. "Then come back after the vacations. How do I know if you are the husband and not a terrorist.? what will happen if something goes wrong? you say yur wife is in MHA and you dont know the procedure? At the most, I can have your work done if you can get an affidavit from your wife granting you power of attorney for the purpose. and, remember it has to be on a NJSP." said the clerk. "Sir you are the boss here so pls use your discretionery powers to have this work done. please.. I assure, you will go home a stisfied person, its my personal guarantee. It will make my 1/2 day leave worth the effort" I pleaded. The guy shoved back the papers at me with a strange look as if to say S*#LA must be on some kind of sting on me, thinks I'm a fool..."
Thinking that any further nudging may prompt him to ask for my marraige certificate in original, I retreated with one last question... " Sir, kitna fees laagega iske saath?". "Chaar Sau Sattar... tabh jaake iska smarat carad banega" came the reply. Without another word I walked out of the RTA exit gate happy to have been able to extract information more than I had asked for.
The above is a hilarious presentation of what I faced while trying to get the Bank HP removed from our car papers....and not aimed for serious discussion, though comments and observations are most welcome.... I hope you enjoyed reading this as much as I enjoyed writing this.... :D
What next? Asked my better half as I heaved a sigh of satisfaction [read relief] having been able to finally settle the overdraft we had foolishly gone for at a time when we had just 3 installments to clear before finally qualifying to be the absolute proud owner of our Maruti 800. No HP... No nothing... No HP did I say...? Aaah this is the only hurdle we'll have to clear before calling our Maruti 800 ours I told my wife as I called up an old aquantance who was now a 'Buy-n-Sell' automobile dealer.
After a couple of "Jhalak dikhlaa ja...Jhalak dikhlaa ja..." on the mobile its masters voice finally made an appearance. After rutine two or three "Aur sunao kya ho raha hai?" I found the iron hot to hammer my Kaam to him. "Bus Teen chaar Hazaar ka kharcha hai... tumhara kaam ho jaayega... jab bole larka bhej dunga bus aap kaagaz aur note usko de dena, and within three or four days, you'll get your smart card."
"Teen, Char Hazaar S#$L%, friend banke friend ko loota hai..." I murmerred somewhere in my mind as I heard myself telling him yaar abhi to paisa thora tight hai, aagle mahine milta hun.." after a couple of "...aur batao sab thik thaak.." I still don't remember, if it was he or it was me who disconnected the phone first.
I immediately went to do what I do just after the best... look up the www for more info on HP removal... I had a plethora of info feeds all saying I could get the job done accross the table, the same day in just few hundred bucks. I was now even more determined to get the job done myself.
Armed with all [to the best of my knowledge and belief] documents, one fine morning I hired a three wheeler scooter to the battle field at Sarai Kaale Khan in Delhi. Battle field...? no no... it would be unfair to brand the RTO office a battle field. The local RTO office is a 'Peethasthaan' (School) of learning and a visit, I discovered, is joy for ever.
At the RTO, they work very meticulously and give you information in parts and installments ensuring that you don't go wrong in any way. It helps one save time and energy.
With me, first they asked me for the Car's reg. papers, then the Insurance cover then the PUCC. When all these were found in order, the guy behind the window asked me for address proof. It had to be a drivers license or the voters I card. I said I had both with me and asked him which was more appropriate. With a bored look he said, "koi bhi chalega, get them xeroxed and come back tomorrow."
I knew I had to submit xerox copies of these documents and I had thought I would get them xeroxed somewhere near by the Kalekhan RTO. This is where I started going wrong. Half an hours recee of the area led me to find 7 to 8 shops with boards that read XEROX. But only a couple of them had working machines, the rest had switched business to running the more profitable STD/ ISD booth. While the first of the two shops with working xerox machines was closed because of "lait nai hai!!" the second 1 block away was partially closed. "come back after half an hour" cooed a cute thing from behind the curtained partition to my "Koi hay?" .
I thanked my luck when after following directions from the locals I found the 9th shop open. By this time I had already put to use my precious 20 minutes. As my papers were being xeroxed in duplicate, I was contemplating if it would have been wiser to wait the half an hour at the cute's shop ;).
Armed with all the documents I marched back to the submission window at the RTA. The bored guy glanced at me with a " So you are back again" look. Scared that he would admonish me for coming back, I hesitantly said to him.. " Ssir, the documents have been xeroxed... here they are, please..." even before I could finish, he sprung up saying " Arre Bhaiyya, I told you to come back tomorrow, now who is going to get these attested? Wait a minute, whose Id is this? The name on the registration paper is of a female and the Id proof is of a male. Get the Id proof of the person whose name appears of the registration papers."
I tried to reason," Sir I'm the husband of the car owner who is at present posted in another state, and more over this is only for HP removal, so pls see if my Id proof can get the work done. See this is a photocopy of my wifes Identity Card and it also carries a M/o Home Affairs Seal. So pls see if there is a way out". "NO NO No." pat came the answer " The papers have to be attested, and the owner has to come personally to get the thing done." But Sir, that will be a long time. she will not be here till the winter vacations in December and we'll be on vacation during the vacation" I whined in vain. "Then come back after the vacations. How do I know if you are the husband and not a terrorist.? what will happen if something goes wrong? you say yur wife is in MHA and you dont know the procedure? At the most, I can have your work done if you can get an affidavit from your wife granting you power of attorney for the purpose. and, remember it has to be on a NJSP." said the clerk. "Sir you are the boss here so pls use your discretionery powers to have this work done. please.. I assure, you will go home a stisfied person, its my personal guarantee. It will make my 1/2 day leave worth the effort" I pleaded. The guy shoved back the papers at me with a strange look as if to say S*#LA must be on some kind of sting on me, thinks I'm a fool..."
Thinking that any further nudging may prompt him to ask for my marraige certificate in original, I retreated with one last question... " Sir, kitna fees laagega iske saath?". "Chaar Sau Sattar... tabh jaake iska smarat carad banega" came the reply. Without another word I walked out of the RTA exit gate happy to have been able to extract information more than I had asked for.
The above is a hilarious presentation of what I faced while trying to get the Bank HP removed from our car papers....and not aimed for serious discussion, though comments and observations are most welcome.... I hope you enjoyed reading this as much as I enjoyed writing this.... :D
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