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Recovery of money spent on laptop given as loan – unpaid


21-Jan-2026 (In Recovery Law)
I purchased a laptop worth approximately ₹1,00,000 for a person about 3 years ago on his request, with a clear understanding that he would repay the amount slowly after getting a job. The laptop was for his exclusive use. I have WhatsApp messages proof confirming the promise to repay. The amount has not been returned yet. I do not want the laptop back, only money recovery with reasonable interest. Please advise on limitation, legal notice, and chances of recovery.
Answers (1)

Answer #1
877 votes
Since you purchased the laptop for him on the clear promise of repayment, it amounts to a recoverable debt / loan/advance. Your WhatsApp chats acknowledging the promise to repay are admissible electronic evidence (with proper certificate under Section 65B, Indian Evidence Act). Limitation: A money recovery claim is generally within 3 years from the date the amount became due / from the last acknowledgment of liability or part-payment. If the last written acknowledgment (WhatsApp) is within 3 years, limitation gets refreshed. Immediate action: Send a strong legal notice demanding payment within 7/15 days with reasonable interest and costs. If he fails, file a Summary Suit under Order XXXVII CPC (fast-track money recovery) for ₹1,00,000 + interest, relying on chats and proof of payment/invoice. Simultaneously, if there was dishonest intention from the beginning, you may also consider criminal action for cheating (IPC 420/406 as applicable). Chances of recovery: Good, provided you have invoice/UPI-bank proof and WhatsApp acknowledgment. Court can award interest + costs.
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