Recovery Harassment by Liquiloan for UpGrad Course I Did Not Continue

Dear client,

In a situation like this, the lender does have a legal right to recover dues if there is a valid loan agreement, even if the underlying course was not continued. However, recovery must be carried out strictly in accordance with law. Recovery agents cannot use threats, intimidation, abusive language, or coercion. They are not allowed to harass you, repeatedly call at odd hours, or pressure you in an unlawful manner. Any communication must remain civil and within regulatory guidelines. Merely stating that legal action will be taken is not illegal, but threatening behavior or harassment is not permissible.

You do have legal remedies against such conduct. You can file a complaint with the lender and escalate the matter to the grievance redressal mechanism of the concerned NBFC. If the issue is not resolved, you may approach the Reserve Bank of India through its complaint system for unfair recovery practices and harassment by recovery agents. You can also approach the local police if the conduct involves threats or intimidation, as such acts may amount to criminal intimidation or harassment.

A complaint under the Consumer Protection Act, 2019 is also maintainable. You can allege deficiency in service and unfair trade practice against both the course provider and the financing entity, particularly if you were not properly informed about the loan terms, cancellation policy, or if your grievances were ignored despite repeated communication. Compensation for mental harassment and financial loss can be claimed before the consumer commission.

To stop the recovery calls and messages, you should send a formal written complaint or legal notice to both the lender and the course provider clearly stating your grievance and demanding that harassment cease. Ask them to communicate only in writing. Keep records of all calls, messages, and emails as evidence. You may also register your number under Do Not Disturb and report abusive calls to your telecom provider. If the harassment continues, you can escalate the matter legally through regulatory complaints, consumer proceedings, or even police complaint depending on the severity.

While repayment obligations depend on the loan agreement, harassment and coercive recovery methods are not legally allowed. You have the right to challenge both the unfair recovery practices and the underlying service deficiency through appropriate legal forums.

Dear Client,
Recovery agents can contact you for legitimate dues, but they cannot harass, threaten, or use coercive tactics and such conduct can be challenged legally. You may issue a written notice disputing liability, asking them to cease harassment, and demanding proper account statements. You may also file complaints against unfair practices under the Consumer Protection Act, 2019 and report harassment to the police or RBI grievance mechanisms if recovery norms are violated.

You should document all calls/messages, formally dispute the claim, and consider initiating consumer or civil proceedings for deficiency of service and mental harassment. It is advisable to consult a local lawyer for proper guidance and action.