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A complaint against an illegal money lender can be filed at the nearest police station by submitting a written complaint stating the details of the lender, the amount borrowed, the interest charged, and any harassment or threats faced. If the lender is operating without a valid licence or charging excessive interest, it may amount to criminal offences, and the police can register an FIR and investigate the matter. If the police do not take action, the complaint may be sent to the Superintendent

Dear Sir,

Pay only through official payment link of mPokket.

Do not pay recovery agents in personal accounts.
Ask for “No Due Certificate / Loan Closure Letter” after payment.

If Recovery Agents Harass You

If any agent threatens or harasses:

You can complain to:

Reserve Bank of India – Digital lending complaint portal

Local police in Bangalore (for harassment)

RBI Ombudsman

Digital lenders cannot threaten, abuse or publicly shame borrowers.

Dear Sir,

A lender or recovery agent can only:

Send payment reminders by call, SMS, or email.

Ask you to repay or negotiate settlement.

File a civil recovery case or arbitration if the loan agreement allows.

They cannot:

Threaten you or your family.

Abuse you or use vulgar language.

Call your contacts / references to shame you.

Visit your house without proper authorization and behave aggressively.

Access or misuse phone contacts/photos.

Dear Client,

If your husband has taken the loan and you are not a co-borrower or guarantor, then you are not legally liable to repay it. Recovery agents cannot harass, threaten, or use abusive language with you.

As per guidelines of Reserve Bank of India, recovery agents cannot call repeatedly, use improper language, or pressure family members who are not borrowers. You should clearly inform them once that you are not liable, record all calls/messages as proof, and if harassment continues, f

Dear Sir,l

Payday loan companies almost never file real cases

Cheque bounce cases need:

Valid cheque

Proper notice

Threats like “FIR”, “warrant”, “court notice” are usually fake.
Which loans should you actually pay? (critical)
PRIORITY ORDER:

Bank / reputed NBFC loans (legal contracts)
Apps linked to RBI-registered NBFCs
Pure illegal apps → negotiate or ignore temporarily

Many apps inflate dues illegally. You are liable mainly for principal + reasonable interest, not extort

Dear Client,
As per the RBI Guidelines, Banks/NBFCs/FIs are advised to ensure that the contracts with the recovery agents do not induce the adoption of uncivilized, unlawful, and questionable behavior during recovery process. Banks/NBFCs/FIs are strictly advised to adhere to the guidelines/fair practices code during the loan recovery process. In the given situation, lodging an FIR/complaint against the recovery agents of the concerned lender at the local Police Station for blackmailing and crim

Dear Client,
As per the RBI Guidelines, Banks/NBFCs/FIs are advised to ensure that the contracts with the recovery agents do not induce the adoption of uncivilized, unlawful, and questionable behavior during recovery process. Banks/NBFCs/FIs are strictly advised to adhere to the guidelines/fair practices code during the loan recovery process. In the given situation, lodging an FIR/complaint against the recovery agents of the concerned lender, Payday, at the local Police Station for blackmailing

Dear Client,
A borrower of a loan is held personally liable for his or her debt for non-payment of the outstanding amount of the loan, and legally, there is no escape route to get rid of that liability. In the given scenario, you may negotiate or settle your dues against loans by following the steps like lowering your interest rate, arranging for a reduced interest rate is one of the most common requests a defaulter borrower can make to the Bank/NBFC, creating or restructuring a repayment plan

Dear Client,
Before seizure of a financed vehicle of a defaulted borrower, a financier has to obtain a Court's order from the competent court. As per the RBI Guidelines, Banks/NBFC/FI are advised to ensure that the contracts with the recovery agents do not induce the adoption of uncivilized, unlawful, and questionable behavior during recovery process. Banks/NBFCs are strictly advised to adhere to the guidelines/fair practices code during the loan recovery process. In the given situation, filing

Dear Client,
As per the RBI Guidelines, Banks/NBFCs/FIs are advised to ensure that the contracts with the recovery agents do not induce the adoption of uncivilized, unlawful, and questionable behavior during recovery process. Banks/NBFCs/FIs are strictly advised to adhere to the guidelines/fair practices code during the loan recovery process. In the given situation, lodging an FIR/complaint against the recovery agents of the concerned lender, One card, at the local Police Station for blackmaili