Feeling greatly relieved by clearing the debt, Subbi Setty left on pilgrimage to Tirupati with his wife and son to thank Lord Venkataramana for all the help. He had his son's head shaved there. After having the darshan of the Lord, they returned home and lived happily.

After some days, while Setty was talking to his wife, he suddenly remembered that Badekhan did not return the Bond as promised. He had great regard for the Saheb. He took him to be a gentleman. However, it would not be good to leave it at that. Having paid the money he should get back the Bond. Nobody can anticipate what was in store for the next moment. So Setty went to Badekhan's house to take back the Bond.

Badekhan had an accountant. He was going through the accounts. While doing so, he pointed out to his master, that Subbi Setty had taken a loan of Rs. 2000/- some thirteen months ago and had neither repaid the loan taken nor paid, any interest till date. So 'saying he handed over the Bond to his master Meanwhile Subbi Setty arrived there and demanded the Bond.

Badekhan grew wild. His eves reddened. He cried out, ”How bold you are to claim for the Bond without clearing the loan ?"

Setty replied, ”Nawabjee, are you making fun of me? Did you not came: to my house one day and receive the amount and the interest? Please therefore, return me the Bond,"

Saheb denied having received the money He said you might have given to some body else. Please therefore, remember who it was. Had you given me the money, you would not have left the Bond with me and kept silent.'

Setty did not lose his balance. He still patiently said, 'Dear sir, you came to my house one Saturday when I was worshipping my Lord. r offered you prasadams and paid you the amount in full. You promised to return the Bond the next day."

Saheb still maintained that he did not get back the amount and all that he was saying was only to hood wink and dishonour him in the presence of others and therefore warned that he would have to reap the consequences. He further abused him in filthy language.

Setty too maintained that the amount in full was paid to him in the presence of his Lord Venkataramana and that he could not therefore easily brush away saying that the amount was not paid.

"That is sheer non-sense. If you fail to pay me the amount with interest within the next seven days, you will face the court of Law. I shall then see how your Lord, who is a cheat and a swindler, who loots crores and crores of others' money comes to your aid “ cried Badekhan.

People, who witnessed their quarrel could not conclude who among them was right and who was wrong. Without uttering any further word, Setty returned home sadly. Achamamba asked him what had happened and why he was sad. Setty told his wife that all had transpired between Badekhan and himself. The Settys did Dot feel for, the denial of receipt of money by Khan. But they felt very much for the way he insulted their Lord. Setty felt that the on lookers should have taken him to be a cheat. They both stood before the picture of the Lord and begged His pardon. They said it was His responsibility to prove their honesty, and tell that the money had actually been paid in full with interest and no pie is due to Khan.

The dispute between the Khan and Setty reached everybody's ears. All were anxious to watch the result. Even those who knew Setty's nobility and honesty were not bold enough to face the Saheb. Meanwhile the grace period of seven days lapsed. Saheb then filed a civil suit in a court of law for principal and interest and court costs too. against Setty.

The court summonded Subbi Setty_ to appear before it. He received the summons. The Settys fully believed that the Lord would not let them down. For two days before the day of hearing Setty and his wife were immersed in prayers of the Lord and were fasting.