Lenders have a right to ask for repayment, but not to abuse, threaten or shame you. If recovery calls and visits have crossed the line, you have options. We help you document what is happening, understand which complaint route fits, and respond in a way that protects you.
Situations where we can help
- Repeated calls at unreasonable hours
- Abusive language, threats or intimidation
- Agents calling your family, relatives or employer about your dues
- Agents visiting your home or workplace repeatedly
- Harassment through messages or social media
How Secure Settle helps with relief from recovery agent harassment
- Help you record calls, messages and visits in an organised log
- Explain what behaviour is not acceptable from a lender or recovery agent
- Guide you on a written complaint to the lender and its grievance officer
- Explain the escalation to the RBI Integrated Ombudsman and to the police for threats
- Support a structured conversation with the lender about a repayment plan
What to do right now
- Keep a log with date, time, number and what was said. Save screenshots.
- Ask the agent to identify themselves and the lender in writing.
- Complain in writing to the lender first. Keep the acknowledgement.
- If you face threats or violence, contact the police at once.
Frequently asked questions
Agents should not shame you or disclose your dues to family, neighbours or your employer. Repeated contact with third parties is a common ground for complaint.
Keep a record, send a written complaint to the lender, and escalate to the RBI Integrated Ombudsman if the lender does not respond within the time allowed. For threats, you can approach the police.
No. A complaint addresses the harassment, not the debt. It is best to pair it with a realistic repayment or settlement plan, which we can help you work out.
This page is general information and not legal advice. Outcomes depend on the facts of each case and cannot be guaranteed.