Loan Agents Won’t Stop Calling? Here’s What You Can Do
We get it—you’re already going through a tough time. Maybe you missed a couple of EMIs because of a job loss, medical bills, or just a bad month. But now, instead of getting help or a reminder, you’re dealing with daily phone calls, rude voices, and even threats.
Some recovery agents cross every line. They might call your parents, show up at your doorstep, or say things like “We’ll take legal action” just to scare you. It’s not just unfair—it’s illegal.
What Recovery Agents Are Not Allowed to Do
The Reserve Bank of India (RBI) has set clear rules for how recovery should happen. And believe it or not, many agents break these rules every day.
Here’s what they can’t legally do:
- Call you at odd hours (before 7 AM or after 7 PM)
- Use foul language or make threats
- Visit your workplace or talk to your colleagues
- Involve your relatives without your permission
- Come to your home without ID or cause a scene
If you’ve faced any of this, you have every right to push back.
Here’s How You Can Respond
1. Walk Into a Police Station
If someone’s threatening or abusing you, go straight to your local police station. Show them your call logs, messages, or recordings. You can file a complaint under:
- IPC 503 – Threats
- IPC 506 – Criminal intimidation
- IPC 509 – Harassment, especially in cases involving women
It’s your right—and they’re there to help.
2. Contact the Bank Directly
Most banks have a grievance officer. You can write or email them and explain what’s been going on. Make sure to include call details, dates, and how you were treated.
We at Legals365 help clients draft strong, clear complaints that banks take seriously.
3. Reach Out to the RBI Ombudsman
If the bank ignores you or gives you a standard reply, don’t stop there. File a complaint with the RBI Ombudsman. It’s free, simple, and entirely online.
4. Send a Legal Notice
This step really gets things moving. When a recovery agent gets a legal notice, they know they’ve gone too far. Banks usually step in immediately to fix the situation.
We’ve sent dozens of notices like this at Legals365, and in most cases, the harassment stops right there.
One Client’s Story
Not long ago, a man from Online Noida reached out to us. He had missed one EMI of ₹42,000. Instead of a reminder, he got daily calls. One day, the recovery agent called his father and shouted at him. That was the last straw.
We sent a legal notice and filed an RBI complaint. Within three days, the bank removed the agent from the case and offered a better payment option.
What Not to Do
- Don’t hand over blank cheques
- Don’t say yes to anything over the phone—get it written
- Don’t argue—just collect proof
- Don’t wait until things get worse
How Legals365 Can Help
We’ve helped many people deal with this exact situation. Whether it’s Delhi, Noida, or anywhere in India—we’ve seen it all.
We can:
- Draft and send legal notices
- File police or RBI complaints on your behalf
- Negotiate fair repayment terms with banks
- Represent you if needed in court
We’re not here to judge we’re here to support.
Final Word
Falling behind on a loan doesn’t mean you lose your voice or your dignity. If someone’s mistreating you, speak up. And if you’re unsure how we’ve got your back.
📞 Call Legals365: +91-9625941599
🌐 Visit: www.legals365.com
📧 Email: advocates@legals365.com
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