A friend in Kolkata borrowed ₹3,82,200 via online bank transfers.

939 votes

Based on the facts stated by you, the WhatsApp communications acknowledging the loan, coupled with the bank transfer records and payment proofs, may constitute valuable evidence in support of your claim. Ordinarily, the first step would be issuance of a formal legal notice demanding repayment within a stipulated period. In the event of non-payment, you may initiate appropriate civil proceedings for recovery of money along with interest and costs. Depending upon the nature of the representations made at the time of borrowing and the subsequent conduct, criminal remedies may also require examination on the specific facts and evidence available. Since the borrower is stated to be residing in Kolkata, issues relating to territorial jurisdiction and the appropriate forum would need to be assessed after reviewing the documents. Preserve all chats, bank statements, screenshots, call records, and any other communications reflecting acknowledgment of liability. As the amount involved is substantial and you are residing outside West Bengal, a detailed review of the evidence and a clear litigation strategy would be advisable before initiating proceedings so that the matter can be pursued efficiently and cost-effectively.

Advocate Jitesh Sah LawRato