7 day loan harassment. The pressure has affected my work and personal

411 votes

It is recommended to repay all loans, regardless of whether they are reflected on your CIBIL score or not. The following are some reasons why:

• Legal obligation: Loan repayment is a legal obligation and failure to repay can result in legal consequences, such as wage garnishment or seizure of assets.

• Credit reputation: Failing to repay loans can damage your credit reputation and make it difficult to obtain credit in the future.

Even if a loan does not reflect on your CIBIL score, it is still important to repay it as a matter of financial responsibility and to maintain a good credit reputation. Additionally, not all loan providers report to CIBIL, so it is possible that other lenders may be aware of your loan history and repayment behaviour.

In India, only loans from certain financial institutions and banks that are members of CIBIL are reflected in an individual's CIBIL score.

To determine if a lender is legitimate, you can take the following steps:

• Check the lender's website: Legitimate lenders typically have a professional-looking website that includes information about the company, its products, and services.

• Research the lender: Read online reviews and check if there have been any complaints or issues with the lender.

• Verify the lender's credentials: Ensure that the lender is registered with the Reserve Bank of India (RBI) and has a valid license to operate in India.

• Consult with a financial expert: If you are unsure about a lender, consult with a financial expert for advice.

By taking these steps, you can increase your chances of working with a legitimate lender and avoiding loan scams in the future.

If you think you have been defrauded, or are being threatened and harassed online, or if your phone has been hacked, you can take appropriate legal measures such as an FIR or a complaint to the cyber cell after consulting a lawyer who will guide you after understanding the facts of your case in detail. Do not forget to take note of the complaint number with respect to your 7 days loan app harassment case for future reference and correspondence with the cyber cell.  

LawRato LawRato

902 votes

The Android Market, among other mobile app stores, has experienced multiple cases of malicious or Trojanized apps. Hackers find it easy to target apps due to their setup and the lack of safeguards. Additionally, app store companies do not provide any guarantee regarding the safety or quality of the apps they offer. Users are responsible for downloading and installing apps at their own risk. Fake apps can lead customers to fake websites with the aim of stealing personal and financial information. These apps may pose as security updates, and clicking on the links can result in information being stolen. If you receive strange notifications, SMS or requests from your bank or other familiar brands, be cautious as criminals may be trying to defraud you.
It is important to read the App’s permissions very carefully while downloading it. Check which types of data the app can access, and if it can share your information with external parties. Does it need all these permissions? If not, don’t download it. If after having installed such an app, any transaction was made immediately contact the concerned bank to stop the transfer.
You can file a cyber crime complaint with your nearest Police station in the following manner -

1. Take a screenshot of the malicious app and the location from where it downloaded.

2. Bank statement from the victim’s account if any transactions were made.

3. Save the soft copy of all above-mentioned documents in soft form and provide them to the Investigating Officer on a CD-R.

4. Lodge a complaint in your nearest Police Station explaining the complete incident along with the above documents.

Advocate Sudershani Ray LawRato

586 votes

Sir/ma'am you have been scammed by this and we would like to hear the whole incident in depth to get the clear picture of what exactly happened so tjat we can provide you with the appropriate remedy of the problem you're going through. Our team will contact you in a while

Advocate Ravi Soni LawRato