6 items
Evidence for Loan Recovery Harassment
- Call recordings of recovery agentsCriticalRecord all threatening, abusive, or harassing calls from loan recovery agents with dates and times
- Threatening messages or noticesCriticalSave all threatening SMS, WhatsApp messages, emails, or physical notices sent by the lender or agents
- Loan agreement and termsOriginal loan agreement, sanction letter, and repayment schedule showing the actual terms agreed upon
- Payment receipts and bank statementsAll EMI payment receipts and bank statements showing payments already made towards the loan
- Photographs or video of harassmentPhotos or videos of agents visiting your home or workplace, creating a scene, or damaging property
- Witness statementsStatements from family members, neighbours, or colleagues who witnessed the harassment or threats
Be careful
- RBI prohibits recovery agents from calling before 8 AM or after 7 PM.
- Recovery agents cannot use threats, abusive language, or physical force.
- File complaint with RBI (cms.rbi.org.in) and local police.
- For digital lending apps, report to RBI and cybercrime.gov.in.