Recovery is allowed. Harassment is not
Lenders may remind you of dues and ask for payment. They may not abuse, threaten, shame you in front of others, or contact you at unreasonable hours.
What usually crosses the line
Abusive language, threats, repeated calls through the day and night, calling relatives or employers to disclose your debt, and showing up at your home to intimidate you.
Build a record
Keep a simple log of the date, time, number and content of each call or visit. Save messages and, where lawful, recordings. A clear record makes any complaint stronger.
Complain in the right order
Write to the lender and its grievance officer first and keep the acknowledgement. If the response is unsatisfactory or absent within the time allowed, you can approach the RBI Integrated Ombudsman. For threats or violence, contact the police.
Address the debt as well
A complaint stops the harassment, not the dues. Pair it with a realistic plan to repay or settle so the pressure does not return.
Looking for specific help? Read our guide to relief from recovery agent harassment or request a confidential consultation.
This article is general information and not legal advice.