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The article “On bank loans and defaulters: A borrower’s recourse to law” (Business Line, May 2) made very interesting reading. Borrowers who are generally regular in their repayments and just default occasionally, and that too due to circumstances beyond their control, surely need and deserve the support of law-enforcing agencies to ensure they are not harassed by the bankers and their recovery agents.

But there is surely a case for tightening the recovery process for wilful defaulters who misuse and diver the bank loans for other uses, and often fail in their entrepreneurial ventures because of either greed or business blunders.

There are innumerable court cases, including the criminal cases where bank managers and senior executives face unnecessary harassment for years because of prolonged investigations and legal processes.

If there is criminality involved, the culprits must be brought to book early, and in case there is no such criminality involved, the law of the land must protect such executives.

Inder Kilam Faridabad

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