A Legacy Under Threat — Time is Running Out
Banks must be accountable on a fast track — or national revival will remain on a snail pace.
I. Misreporting & Non-Compliance
1. HNB Misreporting Despite 20 Years of Clean History(tap/click to view images)
HNB Misreporting Despite 20 Years of Clean History
CRIB shows arrears despite certified NIL balances — client not even formally notified.
2. Moratorium Violations — Excess Interest & Penal Charges(tap/click to view images)
Moratorium Violations — Excess Interest & Penal Charges
HNB statements clearly show charges above CBSL-directed 4.5% cap.
3. CRIB Refuses to Flag Dispute(tap/click to view images)
CRIB Refuses to Flag Dispute
Despite multiple letters, visits, and Tourist Ministry’s high-priority letter, CRIB failed to mark the file as “in dispute.”
4. Certified Evidence Ignored(tap/click to view images)
Certified Evidence Ignored
Our computations (showing 3× moratorium rate) submitted, but HNB has not respected or replied substantively.
II. Regulatory & Institutional Failure
5. BOC Requests for Restructuring — No Reply in 11 Months(tap/click to view images)
BOC Requests for Restructuring — No Reply in 11 Months
100+ calls, written requests ignored.
6. People’s Bank Denies Going Concern Principle(tap/click to view images)
People’s Bank Denies Going Concern Principle
Refused moratorium support, undermining CBSL’s policy intent.
III. Our Integrity & National Contribution
7.Proven Track Record(tap/click to view images)
7.Proven Track Record
Decades as a super-brand, no delinquency until misreporting.
8. Api Project
a. Let us show you humbly what we hope to Achieve for the Country(tap/click to view images)
b. Join us let us Move Forward without Prejudice Holding Hands in as “Api”*(tap/click to view images)
c. Api is Our Project — A Passport to Goodwill — Time is running Out(tap/click to view images)
IV. The Numbers Tell the Story
9. “Beyond letters and appeals, the certified computations prove the scale of error. Below is a summary of the figures already shared with regulators, academics, and bank chairmen. ” (tap/click to view)
The Numbers Tell the Story
- Loan balance at moratorium (2020): Rs. 145M
- Repayments made since: Rs. 122M
- Correct balance today: Rs. 97M
- What CRIB shows: Rs. 165M (incl. Rs. 61.5M capitalized interest + Rs. 12.15M accrued interest)
- CBSL moratorium cap: 4.5%
- HNB applied: Nearly 3× this rate & with AI errors it shows we Owe Rs233M while actually it is only approximately Rs 60M
Yet the record remains uncorrected — damaging both fairness and confidence
V. Our Respectful Request
**** Our Respectful Request — (tap/click to view)
Our Respectful Request
- Immediate correction of CRIB records.
- Refund or reversal of overcharged moratorium interest.
- A regulatory fast-track mechanism to flag disputes and prevent recurrence.
10. Letters to Authorities + Institutions
a. Administrative Institutions(tap/click to view images)
b. policy Advisors(tap/click to view images)
c. Banks(tap/click to view images)
