Loan Kavach · Default Consequences
Recovery Agents Calling Your Family? Stop It Free.
- 🛑Illegal under RBI FPC para 55 — one call is a violation
- 💰Compensation up to Rs 3 lakh for mental agony under RB-IOS 2026
- 🆓Free complaint — no lawyer, all online at cms.rbi.org.in
- 🏦Bank is directly liable — not just the agent
📸 Evidence to collect NOW
- 1️⃣Screenshot of the call log showing agent's number + timestamp
- 2️⃣Name + relation of the family member contacted (spouse, parent, sibling)
- 3️⃣Exact words spoken (get the family member to write it down same day)
- 4️⃣Call recording if legally captured (disclose "this call is being recorded" is enough)
- 5️⃣WhatsApp screenshots if the agent messaged family
📋 4-step complaint process
- ✉️Written complaint to the bank's Nodal Officer — cite FPC para 55, attach evidence
- ⏱️Wait 30 days for the bank's response (silent = ready to escalate)
- 🌐File at cms.rbi.org.in — attach original complaint + bank's response (or silence proof)
- ⚖️Ombudsman decides in 60-90 days — awards compensation, orders written apology, may fine the bank
🚨 Meanwhile — protect your family. Register a written objection with the lender that all future contact should be with you only. Any call to family after that written objection is grounds for a criminal complaint at the local police under IPC Section 503 (criminal intimidation).
❓ Common questions
📞Can recovery agents call my family or employer?
No. RBI's Fair Practices Code (FPC para 55) prohibits agents from contacting family, employer, or third parties to pressure repayment. A single such call is a per se violation.
📸What proof do I need to file a complaint?
Call logs with agent's number, screenshots of messages, and if possible a recording of the call (legally permitted with disclosure). Also note the exact date, time, and person contacted.
💰What compensation can I claim?
Under RB-IOS 2026 the Ombudsman can award up to Rs 30 lakh actual damages plus up to Rs 3 lakh for mental agony and reputation damage — free, online, no lawyer needed.
🛡️Can my family sue the recovery agent directly?
They can file a Consumer Forum case for harassment. But the faster free route is the RBI Ombudsman route via YOU (as the borrower) — the bank is directly liable for its agent's conduct.
⚡ Draft the complaint now
📝 TARA writes both the Nodal Officer letter AND the CMS portal complaint text — with your specific evidence, dates, and clause references. Free.
🚀 Get My Complaint Letter →Last updated 2026-07-22