Ek loan app mujhe harass kar raha hai aur mere contacts ko call kar raha hai.

Real-life examples

Aapko kya karna chahiye?

1. 1Ghabrao mat, aur anjaan UPI IDs par extra paise mat bhejo. Dhamkiyon, call recordings aur contacts ko bheje gaye messages ke screenshots rakho.
2. 2RBI ki website par Digital Lending Apps directory check karo, aur loan papers mein kis bank ya NBFC ka naam hai, ye dekho.
3. 3Regulated lender ho toh uske grievance officer se complaint karo. 30 din mein solve na ho toh cms.rbi.org.in par RBI Ombudsman se complaint karo.
4. 4Dhamki, gaali ya morphed photos ke liye cybercrime.gov.in par complaint karo ya 1930 par call karo, aur police complaint do.
5. 5Contacts ko batao ki ye messages harassment hain. Saboot save karne ke baad app ki phone permissions hata do.
6. 6Bahut stress ho raha hai? Tele-MANAS 14416 par call karo — free aur confidential.

Official legal reference

• Reserve Bank of India (Digital Lending) Directions, 2025

  RBI-regulated lenders ke digital loan rules: apps contacts ya call logs access nahi kar sakte; Key Fact Statement aur grievance officer zaroori.

• RBI circular: Outsourcing of Financial Services – Responsibilities of regulated entities employing Recovery Agents (12 August 2022)

  Recovery agents borrower ko dara, beizzat ya harass nahi kar sakte, na subah 8 se pehle ya shaam 7 ke baad call kar sakte hain.

• Bharatiya Nyaya Sanhita, 2023 — Section 351

  Criminal intimidation: body, izzat ya property ko nuksaan ki dhamki; anonymous dhamki par extra saza.

  Pehle: IPC Sections 503, 506, 507Official text padho

• Bharatiya Nyaya Sanhita, 2023 — Section 356

  Defamation: dusron tak pahunchayi gayi baatein ya photos jo aapki izzat ko nuksaan pahunchayein; 2 saal tak jail, fine ya community service.

  Pehle: IPC Sections 499, 500Official text padho

• Information Technology Act, 2000 — Section 67

  Obscene content (jaise morphed nude photos) online publish karna ya bhejna: pehli baar mein 3 saal tak jail aur fine.

  Official text padho

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