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Harassment to all my family members regarding loan
09-Jan-2023 (In Recovery Law)
I have taken a loan and i was not able to make payment and now i settled to a certain amount and i wanted some time but the recovery agent is not giving us any time. He daily call my parents and use abusive words and harass my family member and neighbors. I told the guy that i will make payment but he is not listening. What shall i do to this???
You can file a suit against them for mental harassment and intimidation before a civil court in the area of your jurisdiction. Since you are already in talks with the bank and a settlement amount has been reached, it is the responsibility of the bank to make sure the recovery agents don’t trouble you.
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Adv. Rhea Luthra
Delhi | 100+ Answers
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Can recovery agent harass you?
It is not considered harassment if the recovery agent sends updates or demands in advance, calls at home or starts court proceedings at a reasonable hour or initiates a court case. These are the measures that the creditor can take to recover debts from the borrower.
What to do if recovery agent comes to your house?
You can lodge a formal complaint with the police against the bank, or third-party agent. ...
Injunctive action against recovery agents -
Filing a defamation suit- ...
Trespassing- ...
Extortion grievance- ...
Bank complaint
What are the rules for recovery agents?
The agent must bring the notice from the bank and the letter of authorisation with them when they visit the defaulter. If a borrower files a complaint, the bank cannot refer the case to a collection agency until that complaint is resolved or dismissed. 16-Jun-2023
Can debt collectors come to your house in India?
You can be visited by a debt collector if you owe money. They usually contact you by phone or email first. A debt collector does not have the right to remove goods and you do not need them to come in. Learn more about the differences between bailiffs and debt collectors.
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