What personal story does the author of Sai Satcharitra share in Chapter 21 to illustrate the importance of good fortune in meeting a saint?

In Chapter 21 of the Sai Satcharitra, the author recounts a personal experience from when he served as a Magistrate in Bandra. He explains that a well-known Siddha named Pir Maulana resided there, attracting followers from various faiths. Despite being repeatedly urged by the Siddha's servant, Inus, to seek his darshan (vision), the author refused. He admits his pride and a feeling that he shouldn't be pressured into it, which he later attributes to "ill-luck" standing in his way. As mentioned in the chapter, this experience taught him that one cannot encounter Saints and Sages unless good fortune dawns, and this union is only possible through God's grace.