Loan Recovery Agent Harassment
A recovery agent is using threatening, abusive, or harassing tactics to recover a loan — including calls at odd hours, visits to your workplace, contacting your family members, or using threatening language.
⚖️Your Rights Under RBI Regulations
Recovery agents cannot contact you before 7 AM or after 7 PM — any call outside these hours is illegal.
Agents cannot use abusive, threatening, or humiliating language — this is a criminal offence under IPC.
Agents cannot contact your family members, neighbours, friends, or employer (unless they are guarantors).
Agents cannot visit your home or office without prior appointment.
Agents cannot display your photograph or personal information publicly.
You are entitled to know the name and designation of any recovery agent calling you.
💰 What You Can Recover
The bank is vicariously liable for recovery agent conduct. Ombudsman can award compensation for harassment, mental agony, and any financial loss caused.
⏱ Response Deadline
File FIR immediately for criminal conduct. Write to bank within 24 hours of incident.
📋Step-by-Step — What to Do
Document every incident: date, time, agent's name (if given), nature of harassment. Screenshot threatening messages.
Write to the bank's Customer Service Head and Nodal Officer same day — attach documentation.
File FIR at local police station if threats are physical or criminal in nature (IPC Section 503/506).
File with RBI Integrated Ombudsman — recovery harassment is specifically covered.
If your information was shared publicly, also file complaint with Data Protection Board under DPDPA 2023.
🏛 Where to Escalate If Bank Doesn't Respond
RBI Integrated Ombudsman + Local Police (FIR) + District Consumer Forum for damages
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