What personal story does the author share in Chapter 21 to illustrate the difficulty of meeting a Saint?

In Chapter 21, the author recounts his own experience to demonstrate that one needs good fortune to encounter Saints. While he was a Magistrate in Bandra, a famous Siddha named Pir Maulana resided there. Despite his servant, Inus, repeatedly urging him to seek the Saint's vision, the author refused, concerned about his own prestige. He reflects that this reluctance was a sign of his own "ill-luck" standing in the way, causing him to miss the opportunity. As detailed in Chapter 21, he uses this personal anecdote to prove the principle that the company of Saints is not accessible to the unfortunate and only becomes possible when God's grace is present.