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Loan recovery from a ex-colleague
03-Dec-2025 (In Recovery Law)
I loaned a sum of ₹30,000 to one of my colleagues in 2019 via google pay (written as loan) and then we moved on with different employers. Since then he had cleared only ₹10,000 in two instalments with the second one in Feb 2023 and remaining ₹20,000 is pending. I want to recover but he's not lifting calls and blocked me several times. I have SMS/Whatsapp messages he simply delayed and now he's not answering. I even went to his provided address in may-2025 but he vacated. Looking for ADVOCATE.
Your case falls under Civil Money Recovery. Since you have Google Pay transaction proof, written note, and WhatsApp/SMS acknowledgements, these documents are strong evidence to establish the loan and his liability. His intentional avoidance and blocking of communication clearly amounts to willful default.
The next legal step is to issue a formal Legal Notice demanding repayment of ₹20,000 with interest. If he still fails to comply, you can file a Money Recovery Suit before the jurisdictional Civil Court under Order XXXVII CPC (Summary Procedure) for a faster decree. Along with principal amount, you are also entitled to claim interest, litigation expenses, and damages due to his fraudulent conduct.
Once a decree is passed, the court can attach his salary, bank accounts, or movable property. His change of address does not weaken your case as we can serve notice through alternate modes permitted by law. I can assist you in initiating the legal process and ensuring recovery through proper legal enforcement.
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Adv. Pavani Kumari
Guntur | 400+ Answers
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