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Loan Recovery Harassment

You are being harassed by loan recovery agents — receiving threatening calls, visits to workplace, or abusive behavior from banks or lending apps.

Do this now
  1. 01Record all threatening calls and messages
  2. 02Send written complaint to bank's grievance cell
  3. 03File complaint on RBI's CMS Portal (cms.rbi.org.in)
  4. 04Recovery agents cannot call before 8 AM or after 7 PM
  5. 05They cannot visit your workplace or threaten you
  6. 06File police complaint if agents use threats or abuse
  7. 07For lending apps — report on Google Play / App Store and RBI
  8. 08Contact Banking Ombudsman if bank doesn't resolve
Evidence to collect
  1. Recordings of threatening calls
  2. Screenshots of abusive messages
  3. Details of recovery agent visits
  4. Loan agreement and payment records
  5. Communication with bank's grievance cell
  6. Witness statements
Documents you need
  1. Loan agreement copy
  2. Payment history / bank statements
  3. Written complaint to bank
  4. RBI complaint number
  5. Police complaint copy
  6. Evidence of harassment
Where to complain
  1. Bank's Grievance Officer
  2. RBI Complaint Portal — cms.rbi.org.in
  3. Banking Ombudsman
  4. Police Station — If threats or abuse
  5. Cyber Crime Portal — For digital lending app harassment
  6. Consumer Forum
Laws that apply
  1. RBI Fair Practices Code for Lenders
  2. RBI Guidelines on Recovery Agents (2008)
  3. BNS Section 351 — Criminal intimidation
  4. BNS Section 356 — Defamation
  5. IT Act Section 66E — Privacy violation
  6. BNS Section 308 — Extortion
Understanding the issue

RBI guidelines strictly prohibit harassment by loan recovery agents. Agents cannot call before 8 AM or after 7 PM, cannot visit your workplace, cannot use threats or abusive language, and cannot contact your family or friends. Digital lending apps are also regulated. If harassed, you can complain to the bank, RBI, and police.

When to see a lawyer

Consult a lawyer if harassment continues despite complaints, if recovery agents have damaged property, or if you want to file a civil suit for damages.