An all girls cricket team in India breaks with tradition

An all girls cricket team in India breaks with tradition
News Desk

By News Desk


Published: 08/10/2023

An 89-year-old widow faces having to repay £165,000 on a bank loan of £16,250 taken out by her late husband in the 1990s.

Beryl Hutchinson said she only became aware of the deal her husband Barry agreed with Barclays shortly before he died last year.

The loan was interest-free at the time but secured against any future rise in the value of couple's bungalow.

The bank now stands to take 75% of the property's appreciation if it is sold.

Mrs Hutchinson, from Eastwood, Nottinghamshire, and her son Steve now fear she could lose the home which they were considering selling to help pay for care if she needs it in the future.

She said she believed her husband, a former miner, did not fully understand the implications of the deal, called a shared appreciation mortgage, when he signed it.

Barclays declined to comment on her situation, but insisted the terms of shared appreciation mortgages were fully explained to all customers before they were agreed.

Bungalow

More than a dozen young girls from a small village cycle through farmland in the Indian state of Punjab.

Moving along a dirt pathway, dressed all in white, their excitement starts to build. Amid the miles of wheat fields, emerges the source of their joy: two cricket pitches, with plastic wickets and strip of concrete from where they can bat.

If it conjures images of the 1989 Hollywood film, Field of Dreams, it wouldn't be too far from the truth. These 18 girls make up the Gulab Singh Cricket Team.

Cricket is the most popular sport in India, akin to a religion many would say. While it continues to remain a male-dominated game, things are changing.

Earlier this year, India started a women's cricket premier league (WPL), a female version of the Indian Premier League (IPL). It has quickly become one of the world's most lucrative women's franchises, second only to the Women's National Basketball Associate in the US.

Women in India have been active - and high performing - in cricket for many years. The WPL has catapulted them into mainstream popularity. Now they get the kind of media attention only reserved for men's teams.

In October, the Board of Control for Cricket in India (BCCI), the governing body of Indian cricket. said it all contracted female cricketers would be paid the the same match fee as men - a historic decision to promote "gender equality" in the country's most-loved game.

Despite the changes on the national level, it can still be difficult for girls to be afforded the opportunity to play, especially in rural towns.

"I created this cricket team to make their lives better," says Gulab Singh Shergill, 35, who started this plucky little league four years ago.

Gulab Singh Shergill, founder of the academy
Image caption,
Gulab Singh Shergill started the little league four years ago

Partly to live out his failed dreams of playing cricket professionally and mostly because he really believes the girls in the village deserve a shot.

"They don't get permission to get a higher education, only getting to tenth class," he says. After that, it's a life of cooking and cleaning until they are married and sent to live with their in-laws.

His players are being exposed to something different. Every day, they come here, park their bikes under a tree behind the batting area and head to the grassy field where they start warming up.

Simranjit Kaur, 13, is learning to bowl. She runs down the pitch, rotates her arm and lets the leather ball out of her hand. Her height allows her to get speed and she says her accuracy is starting to improve.

She is quiet and soft spoken, still very much the frame of a child but has had to grow up fast. After her mother died suddenly three years ago, her grandmother has become her primary caretaker, along with her two younger sisters, aged 10 and three.

She joined the team a few years ago after seeing them play in a tournament in a neighbouring village with her father, a cricket enthusiast.

"My father asked me if I would like to play," she said in the courtyard of her house. "I said yes. So he asked the coach if I could join. And he said to come the next day."

Simran practicing bowling at the field
Image caption,
Simranjit Kaur, right, is learning to bowl

In the morning before going to school, Simranjit crouches by a stove next to her grandmother, making rotis for the family. After school, instead of being stuck inside like many girls her age, with the support of her father and grandmother, she throws on her cricket whites and heads to practice, her sister in tow.

"There's an ill thinking in villages," says Baljeet Kaur, Simran's grandmother. "They say that girls should be married and sent off to her in-laws, as if they have got no life. Sometimes people in village tell us why are you sending girls for playing. This is our wish and we want them to play."

When asked how she feels when people discourage her, Simranjit says, "I [don't] want to stop playing, this is my life. I feel really bad because I really like cricket, I really like playing."

Cricket is not Shergill's full-time job; he works as a constable in the local police force.

The players pay for nothing, he says. His entire salary goes to the girls' team: paying for a part time coach, getting uniforms and equipment. He has donated a part of his land for the cricket pitch and hopes to one day build an office with a toilet.

It's only been four years but in that time he's been able to expose these girls to a life beyond the bounds of their village.

"Now we are also able to have matches between girls and boys," he says. "That makes them proud of themselves. Now they are able to tell their parents that 'I can do it.'"

For these girls, playing cricket is a break from the societal duties that come with being a girl. For a few hours a day, the shed gender norms and are able to be kids.

"When we are playing a match, I feel like I am wearing a jersey for Team India," says 10-year-old Harsimrit Kaur.

"When I hit a six, I know I did it for India. When I play I feel only one thing, that I am not playing for India now but I will play for India's cricket team someday."

Harsimrat Kaur practicing at the pitch
Image caption,
Harsimrat Kaur, 10, says playing a match feels like 'I am wearing a jersey for Team India'

Shergill has the support of strong women too. His eldest sister, Jasveer Kaur, affectionately called Bua, is one of Shergill's biggest champions.

She comes to the pitch at least once a week to comfort players that get hurt or just to watch. She knows too well the pressures of being a woman in this society.

Married at 19, becoming a mother shortly thereafter, Jasveer cries at the thought of any of these girls meeting the same fate.

"All my feeling and hopes were suppressed because I was a woman," she says. "I was asked to work at home and cook also. Now I want that if I can help girls to do something I don't need anything else in life. I want to use all my power to help girls grow."

Shergill may be selling a dream to become a professional cricket player and represent India around the world. But the lessons he is teaching the these young women is so much more valuable.

"There is no difference between a girl and a boy," says Simranjit. "Whatever boys can do, girls can do too."

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Image caption,
The Hutchinsons said they did not have the money to take out a legal action to try resolve the loan on Beryl's home

Mrs Hutchinson told OceanNewUK's You and Yours her husband had not discussed the loan, taken to pay for a new car and home improvements, with her at the time and thought only the original £16,250 would finally need to be paid back.

She said: "I was horrified to think a bank could take 75%. We could end up with no house."

Mr Hutchinson, 85, told his son about the loan as his health deteriorated before his death.

Steve said: "My dad wasn't unintelligent, but he asked me to look into it before he died. He thought he just had to pay the loan with a bit of interest.

"He was an ex miner, and doing odd jobs. At the time he had no regular income, other than pensions, so he thought he wouldn't get a proper loan.

"My mum signed all the paperwork as my dad asked her to. She didn't think about it.

"He signed it thinking he didn't have to repay the capital until such a time when you sell and they calculate the interest based on a formula using the house's value."

'Mum is frail'

Steve added: "I tried talking to Barclays about this this but they're really unhelpful.

"I got a hypothetical valuation based on what we think the house worth right now and the amount owed to Barclays is £165,000.

"But if the house sells for £250,000, Barclays would take £150,000 and we'd have to repay the original loan."

He said he investigated legal action to challenge Barclays but was told it could cost up to £25,000.

"We haven't got that kind of money," he said.

"We just feel powerless. I don't know what we will do. Mum is frail and has a flu.

"I'm worried that if she has to go in a care home, we won't be able to pay for it because of this loan."

He said he hoped to join a collective legal action with other people affected by shared appreciation mortgages after Barclays previously settled a group litigation, involving 60 customers, out of court.

'Fully explained'

Only Barclays and Bank of Scotland ever offered such deals.

They are no longer sold but the FT estimated around 15,000 were agreed between 1996 and 1998.

A Barclays spokesperson said: "Before a shared appreciation mortgage was completed and the funds were released, customers were required to seek independent legal advice and confirmation was obtained from the customers' solicitors that the terms of the legal charge and mortgage conditions had been fully explained to them.

"This was done to ensure customers fully understood the nature of their borrowing. The product literature also encouraged anyone interested in a shared appreciation mortgage to discuss their intended borrowing with their family."

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