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Lent money not able to recover
19-Jul-2026 (In Recovery Law)
It has been 12 years since my mother lent ₹30,000 to our neighbour to help with a medical emergency. We did not execute a promissory note or any written agreement at the time. However, I have phone call recordings in which they acknowledge the debt.
So far, they have repaid only ₹15,000, leaving a balance of ₹15,000. They are now avoiding our calls. This incident happened at Karimnagar now we moved to Hyderabad. Which area police station I need to visit to file complaint?
Based on the facts, this appears to be primarily a civil recovery dispute. A police complaint is maintainable only if the facts disclose cheating or dishonest intention from the beginning. As the transaction took place in Karimnagar, jurisdiction generally lies there.
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Adv. Ravindra Anjaneyulu
Anantapur | 5+ Answers
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A mere loan default does not automatically constitute a criminal offence. Unless there is evidence of dishonest intention or cheating from the inception, the appropriate remedy is ordinarily a civil recovery suit. Your call recordings acknowledging the debt and proof of part-payment may be valuable evidence. As the transaction occurred at Karimnagar, you may approach the police there only if facts disclose a cognizable offence; otherwise, immediately issue a legal notice and pursue appropriate civil recovery proceedings after examining the question of limitation with an advocate.
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Adv. Pavani Kumari
Guntur | 400+ Answers
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