Stop Loan Recovery Harassment: Your Legal Right to Peace

Are you receiving 50+ calls a day? Are recovery agents calling your relatives or visiting your office? This is not just annoying—it is illegal. Under the Reserve Bank of India (RBI) guidelines and the Indian Penal Code, borrowers have the right to be treated with dignity, regardless of their financial status.

What Constitutes Illegal Harassment?

The RBI's Fair Practices Code strictly defines what recovery agents can and cannot do. Harassment includes:

  • Inappropriate Timing: Calling before 8:00 AM or after 7:00 PM.
  • Mental Torture: Threats of physical harm, police arrest, or jail time.
  • Defamation: Contacting your neighbors, friends, or workplace to shame you.
  • Privacy Violation: Accessing your phone gallery or contact list via unauthorized apps.

Immediate Action Required

If agents are threatening you with suicide-inducing pressure or morphing your photos, do not delete the evidence. Record the calls and take screenshots. Our legal team uses this evidence to file criminal complaints.

How Our Anti-Harassment Shield Works

1. Cease and Desist Notice

We issue a formal legal notice to the bank's Nodal Officer and the recovery agency, warning them of legal consequences under IPC sections 503 and 506.

2. Banking Ombudsman Complaint

We help you lodge a formal complaint with the RBI Banking Ombudsman for violations of the Fair Practices Code.

3. Litigation Support

If the harassment persists, we represent you in court to seek an injunction against the recovery agents and claim damages for mental agony.

4. Contact Masking Guidance

We provide technical and legal advice on how to legally manage your contact settings to stop the barrage of bot-driven calls.

Why You Don't Need to Fear

Recovery agents rely on fear and your lack of legal knowledge. Once an advocate gets involved, their tone changes immediately. They know that legal violations can lead to the cancellation of the bank's recovery license or heavy fines by the RBI.