By BillCut
Last updated: 5 November 2026<\/p>\n
Here is how to complain about loan recovery harassment in a clear order. First, keep proof of what happened. Second, write to the lender and ask for a reply on record. Third, if the answer does not help, take the complaint to an official route such as the Reserve Bank of India complaint portal or the National Consumer Helpline. This guide explains each step and what to keep ready.<\/p>\n
Lenders are allowed to ask for dues that are owed. Trouble starts when the way they ask causes fear or shame. Examples borrowers often report include abusive language, threats, repeated calls at odd times, contacting family or colleagues about your debt, and visits meant to scare you. This article is not a legal test. If you are unsure, note the facts and use the steps below.<\/p>\n
A complaint is stronger with records. Start a simple file today.<\/p>\n
If a call is recorded, check the rules that apply where you live before you share it widely. Keep the original files safe.<\/p>\n
Write to the lender through its official email or grievance channel. The RBI\u2019s digital lending directions<\/a> require lenders and the agents they use to appoint nodal grievance officers, and to display their contact details on their websites, apps and the key facts statement. The same directions say responsibility for grievances stays with the lender even when an outside agent is involved. When a recovery agent is assigned or replaced after a default, the borrower must receive the agent\u2019s details by email or SMS before the agent contacts them, so check whether you did.<\/p>\n In your complaint, state the loan account, list each incident with dates, attach your proof and say clearly what you want, for example that the conduct stops and the matter is answered in writing. Keep a copy and note the date you sent it. For more on your rights in these calls, see our guide on your legal rights during recovery calls<\/a>.<\/p>\n If the lender rejects the complaint, you are not satisfied or you get no reply in time, you can go further. The digital lending directions say a borrower can escalate to the RBI\u2019s complaint system under the Integrated Ombudsman Scheme in these cases, with 30 days named for a missing reply. The RBI\u2019s complaints page<\/a> has an online route to file against regulated entities such as banks and NBFCs. Our post on the RBI Ombudsman complaint process<\/a> adds more detail. The directions also say lenders must link to the RBI complaint portal and the Sachet portal<\/a> on their websites, and Sachet offers a way to file and track a complaint. Check each portal for current steps before you file.<\/p>\nStep 3: How can you escalate to the RBI?<\/h2>\n
Step 4: Is the National Consumer Helpline an option?<\/h2>\n