Kaagazaat

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Complaint against Recovery Agent Harassment

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A calendar date — the day, the month and the year. Dates in a document like this are read against one another, so a date typed here can change what another date is allowed to be.

For example: 16 November 2026

For example: Ludhiana

How will you send this?Needed

For example: The Grievance Redressal Officer, Capital Home Finance Ltd

At what address is it sent?Needed

An email address somebody actually reads. Notices under a document like this can be sent to it, so a working one matters more than a tidy one.

For example: grievance@capitalhome.example.com

For example: Gurpreet Singh Dhillon

What is your address?Needed

An email address somebody actually reads. Notices under a document like this can be sent to it, so a working one matters more than a tidy one.

For example: gurpreet.dhillon@example.com

A number somebody can be reached on. Ten digits is the usual Indian form, and a country code in front of it is fine if you want it there.

For example: +91 98150 47731

For example: Harassment by recovery agents on loan account ending 4471

For example: my personal loan account ending 4471, sanctioned in March 2026

Where do you stand on the loan?Needed

For example: Two men who gave their names as Ramesh and Vikram, calling from 98765 43210 and 98765 43211, saying they work for ABC Collections

Each incident in plain facts: the date, the time, how (call, message, visit) and the words used.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

For example: From 3 November 2026 they phoned me 8 to 10 times a day, including at 9:40 pm and 6:10 am. On 7 November one of them said he would tell my employer and my neighbours that I was a cheat. On 9 November two men came to my house and shouted at the gate.

Who, when and what was said; leave blank if they did not.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

For example: They phoned my brother on 8 November 2026 and told him I had defaulted on a loan.

Each earlier complaint: the date, how, whom you told and any reference number; write "None so far." if none.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

For example: I called the branch on 5 and 8 November 2026 and asked that the calls stop. Complaint number 77120 was given on the second call, with no action.

For example: a written complaint to the Station House Officer, Sector 17 police station, on 10 November 2026

Number each paper. Send copies and keep the originals.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

For example: 1. Call log for 3 to 9 November 2026 with the numbers marked. 2. Screenshots of the messages. 3. Recording of the call of 7 November 2026. 4. Loan sanction letter.

For example: Kuldip Singh Sandhu

An email address somebody actually reads. Notices under a document like this can be sent to it, so a working one matters more than a tidy one.

For example: kuldip.sandhu@example.com

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COMPLAINT ABOUT RECOVERY AGENT HARASSMENT

Complaint to the lender about the conduct of its recovery agents

Date: __________, at __________

__________

To: __________, __________

From: __________, __________ (email __________, telephone __________)

Subject: __________

Sir or Madam,

  1. 1. My loan. This complaint concerns __________. __________
  1. 2. Who is contacting me. __________
  1. 3. What has been done and said. __________
  1. 4. What I have already told you. __________
  1. 5. Why I complain. A lender answers for the agents it uses to recover its dues. Abuse, threats, calls at unreasonable hours, and telling my family, employer or neighbours about my loan are not a lawful way to recover money, and are against the fair practices the Reserve Bank expects of the lenders it regulates.
  1. 6. What I require. Please, within seven days of receiving this complaint: (a) stop the conduct described above and instruct your agents to do so; (b) contact me only by the means and at the hours the Reserve Bank's directions and your own code allow; (c) tell me in writing the name of every agent or agency authorised to contact me about this loan, and send me their authority; (d) not contact my family, employer or neighbours about this loan; and (e) reply to me in writing, stating what you have done and the name of the officer handling this.
  1. 7. If it continues. If the conduct does not stop, I will report it to the police, since threats and intimidation can be offences, and I will complain to the Reserve Bank's Ombudsman and, if needed, to the District Consumer Commission, and I will ask for compensation for the harassment. This letter does not waive any of my rights.

ENCLOSURES

__________

LEGAL BASIS

Punjab and Chandigarh: The Reserve Bank of India expects the banks and non-banking finance companies it regulates to follow fair practices in recovering dues, which include a lender answering for the conduct of the agents it appoints and limits on how and when a borrower may be contacted. A lender's service to a borrower is a service under the Consumer Protection Act, 2019, so a complaint of deficiency can be taken to the District Commission, and a complaint to the Reserve Bank's Integrated Ombudsman Scheme in force can follow a rejection or no reply. Threats, intimidation and abuse may also be offences under the Bharatiya Nyaya Sanhita, 2023, which the police can look into. No fee is payable on this letter.

PERSONAL DATA NOTICE

This notice is given under the Digital Personal Data Protection Act, 2023.

The purpose of collecting the personal data in this document is to identify the borrower, record what the recovery agents did and said, and let the lender investigate and reply.

The record will be held by __________ and may be shared with the lender and its grievance officers, the recovery agency, the police if a complaint is made, the Reserve Bank's Ombudsman, the sender's advocate, and any Commission or court that hears the matter.

If the matter does not proceed, the personal data will be retained for 90 days and then erased. If the matter proceeds, the record will be retained for the transaction or authority matter plus 12 months, except where a statute requires a longer named retention period.

A person named in this document may request correction or erasure where the purpose has ended, withdraw consent for future consent-based processing, or raise a grievance by writing to __________. The record-holder should acknowledge and reply within 30 days.

Data minimisation: this document does not collect a full Aadhaar number, an Aadhaar-card copy, a password or bank credentials.

Personal-data instruction: __________.

SIGNATURE

 
 
______________________________
Signature
Complainant: __________
Place: ____________________
Date: ____________________

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