What personal story does the author of Sai Satcharitra share in Chapter 21 to illustrate the difficulty of meeting a Saint without good fortune?

In Chapter 21 of the Sai Satcharitra, the author shares a personal anecdote from his time as a Magistrate in Bandra. He recounts how he was repeatedly urged by a servant named Inus to visit a famous Siddha, Pir Maulana, who was revered by people of many faiths. Despite the constant invitations, the author, influenced by pride and what he calls 'ill-luck,' never went for the Siddha's darshan. He uses this experience to illustrate the principle that one cannot encounter Saints and Sages unless good fortune dawns, and this union is only possible through God's grace.