Besides above-mentioned plan ,most urgent is to stop bank recovery thru Pvt agent's/agency as all banks Manager are collusive with these agents/agency sharing 50 50 commission. Lone sanction authority /bank officer should be engaged and made liable for recovery after bank timings.officers by whom s loan given and not recovered ratio is less than 90 percent should be liable to dismissed from bank service automatic as soon as possible after reviewing auto generated data from banking services