Quick answer
Recovery agents must follow the RBI Fair Practices Code: they should generally contact you between 8:00 a.m. and 7:00 p.m., avoid intimidation, threats or abuse, and not harass your family. If these rules are broken, you can document it and escalate to the lender's grievance officer, the RBI and, where warranted, the police. We help you understand your rights and structure your response.
Aggressive or unlawful recovery tactics — repeated calls, threats, public shaming or contacting your relatives and colleagues — are restricted. You have rights, and there are lawful ways to push back while you work on resolving the underlying debt.
Who this service is for
- Borrowers facing repeated, threatening or abusive recovery calls.
- People whose family, friends or workplace are being contacted or pressured.
- Those receiving calls outside permitted hours or facing public shaming.
- Anyone who wants to understand and assert their rights under RBI norms.
Documents usually required
- Details of the loan/account and the lender or agency involved.
- Records of calls, messages, emails or visits (dates, times, screenshots).
- Any threatening or abusive communication you have received.
- Your KYC and loan documents, where available.
What to expect — our process
Free assessment
We understand what is happening and how it breaches fair-practice norms.
Evidence review
We help you organise call logs, messages and screenshots.
Rights briefing
We explain your protections under the RBI Fair Practices Code.
Response plan
We help you draft complaints/representations and coordinate communication.
Escalation
Where appropriate, we guide escalation to the lender, RBI and authorities.
Resolution support
We connect this with any ongoing settlement or restructuring of the debt.
Risks & limitations to understand
- Asserting your rights does not erase the underlying debt, which still needs resolution.
- Outcomes of complaints depend on the evidence and the authority's response.
- We provide guidance and coordination — emergencies or threats to safety should be reported to the police immediately.
- No specific result can be guaranteed.
Frequently asked questions
RBI's Fair Practices Code restricts harassment of borrowers and third parties. Agents are generally expected to contact you directly and may contact others only for limited purposes such as locating you. Persistent or abusive contact can be escalated.
RBI guidelines direct lenders and agents to contact borrowers only between 8:00 a.m. and 7:00 p.m. and not to use intimidation. Calls outside these hours or that are abusive can be documented and escalated.
Note the details, preserve evidence, and report serious threats to the police. You can also complain to the lender's grievance officer and the RBI. We can help you structure these steps.