Recovery Agent Harassment
Agents calling 20+ times a day, threatening arrest, visiting your home or office, calling family members - all violations of RBI Fair Practices Code.
Expert guidance for loan settlement, OTS, recovery harassment support, legal notice reply, and RBI complaints - covering all banks, NBFCs, and loan apps across India. Honest advice, no false promises.
Millions of Indian borrowers face these situations every day. You are not alone - and there are legal options available to you.
Agents calling 20+ times a day, threatening arrest, visiting your home or office, calling family members - all violations of RBI Fair Practices Code.
Received demand notice, recall notice, arbitration notice, SARFAESI notice, or DRT notice from your lender and don't know how to respond.
Job loss, medical emergency, business failure, income drop - genuine financial hardship that makes full EMI payment impossible right now.
App loan company threatening to share morphed photos, misusing contacts list, sending abusive messages - illegal under RBI Digital Lending Guidelines and IT Act.
Bank issued SARFAESI notice for home loan or loan against property. You have 60 days to respond and explore OTS before bank can initiate auction.
NPA status, settlement entry, or incorrect CIBIL reporting affecting your future credit chances. Dispute guidance and credit score recovery path available.
Independent, honest, and legally safe guidance - from first consultation to settlement completion.
Complete case assessment, strategy planning, and expert guidance on the best settlement path for your specific loan situation.
Learn MoreOne Time Settlement proposal drafting, negotiation support, follow-up with bank/NBFC, and settlement documentation assistance.
Check EligibilityAnti-harassment legal notice drafting, RBI Ombudsman complaint filing, police complaint support for illegal recovery tactics.
Stop HarassmentProfessional reply drafting for bank demand notice, NBFC recall notice, arbitration notice, Lok Adalat notice, and SARFAESI Section 13(2) notice.
Draft ReplyStep-by-step RBI Banking Ombudsman complaint drafting and filing guidance for banks, NBFCs, and digital lending app violations.
File ComplaintCIBIL dispute filing guidance, post-settlement credit score awareness, 'Settled' vs 'Closed' status explanation, and credit rebuilding roadmap.
Get GuidanceFrom your first call to settlement completion - here is exactly what happens at each stage.
Share your loan details, outstanding amount, bank name, and issue type in confidence via WhatsApp or our form. No documents needed at this stage.
Our expert reviews your loan account, default status, notices received, and lender's likely approach to advise on the best course of action.
We help prepare your settlement proposal, financial hardship documentation, notice replies, or complaint letters as applicable to your case.
We guide you through bank communication, negotiation strategy, settlement amount discussions, and follow-up steps at every stage.
Once settlement is agreed, we guide you on payment documentation, obtaining NOC/settlement letter, and CIBIL update follow-up process.
From personal loans and credit cards to agricultural loans and app-based digital lending - all loan types across all lenders.
Whether your lender is a nationalized bank, private bank, small finance bank, NBFC, MFI, or loan app - we provide independent guidance.
RBI's Fair Practices Code and Indian law protect borrowers from illegal recovery tactics. You have rights - even if you have defaulted on your loan.
No calls before 8 AM or after 7 PM. Recovery agents can only contact you within RBI-specified hours. Violations are reportable to the bank and RBI Ombudsman.
No threats, abuse, or intimidation. Using criminal force, abusive language, or threatening arrest for civil loan default is illegal under IPC and RBI guidelines.
No contact list access or data misuse. RBI Digital Lending Guidelines prohibit loan apps from accessing contacts or misusing personal data.
Right to a bank grievance redressal. Every bank must have a grievance officer. Unresolved complaints can be escalated to RBI Banking Ombudsman.
60 days to respond to SARFAESI notice. After Section 13(2) notice, borrowers have 60 days to file representation before bank can proceed with possession.
We operate on a strict no-guarantee, zero misleading claims policy - because genuine borrower trust is more valuable than false hope.
Your loan details, financial situation, and case information are never shared without your explicit consent. Complete privacy guaranteed.
No need to travel. Our experts assist borrowers across all 28 states and 8 UTs via WhatsApp, phone, and email - in English and Hindi.
All advice follows RBI guidelines, Fair Practices Code, and applicable Indian law. We never suggest illegal shortcuts or misleading tactics.
Guidance is based on real bank/NBFC policies, actual settlement processes, and current RBI frameworks - not generic internet advice.
We never claim guaranteed loan settlement, guaranteed waiver, guaranteed CIBIL improvement, or guaranteed stoppage of legal proceedings. Final outcomes depend entirely on your bank, NBFC, and applicable law. We provide guidance, not magic.
RBI's Fair Practices Code sets clear rules for recovery agents. Late-night calls, threats, and contact misuse are all violations you can report. Here's how.
A SARFAESI Section 13(2) notice means your bank can initiate property possession proceedings after 60 days. Your immediate steps can make all the difference.
Photo misuse, contact list access, and WhatsApp threats by loan apps violate RBI Digital Lending Guidelines and the IT Act. Here's how to fight back.
Names abbreviated and identifying details changed for privacy. No fabricated outcomes. Individual results vary.
"I had received an arbitration notice from a private bank for my personal loan. I had no idea what to do. The team explained my options clearly, helped draft a proper reply, and guided me toward the OTS process. No false promises - just honest step-by-step help."
"Recovery agents were calling my office and relatives about my credit card dues. This was causing immense embarrassment. The team helped me file a proper RBI complaint and draft an anti-harassment notice. The calls stopped within 2 weeks of the complaint."
"My business loan became NPA after COVID. Bank sent a SARFAESI notice for my property. I was told about the 60-day window and the OTS option. Their guidance on the settlement proposal and the documentation made the process much clearer. I feel I understand my rights now."
Testimonials reflect individual experiences. We do not guarantee the same outcome for any borrower. Settlement results depend on bank/NBFC policy, borrower eligibility, and applicable law.
Every day of delay in NPA accounts means more interest accumulation, more legal escalation, and fewer options. Talk to our expert today - no commitment, no cost for the first consultation.
We do not guarantee settlement. All outcomes depend on your bank's policy, eligibility, and law. Honest guidance only.
LoansettlementAgency.com is an independent borrower assistance and consultation platform. We are not affiliated with, endorsed by, or officially connected to any bank, NBFC, microfinance institution, or financial regulator including the Reserve Bank of India (RBI). We do not represent any bank or lender in any capacity.
We do NOT guarantee: loan settlement approval, specific waiver amount, CIBIL score improvement, stopping of legal proceedings, loan closure, or any specific legal or financial outcome. All settlement decisions, waiver amounts, OTS approvals, CIBIL updates, and legal proceedings are entirely at the discretion of the concerned bank, NBFC, or financial institution and applicable law.
Content on this website is for general guidance and awareness only. It does not constitute legal or financial advice. Borrowers facing legal proceedings are advised to consult a qualified lawyer or financial advisor for their specific situation.