Document it like it matters — because it will
Every route on the escalation map — grievance officer, RBI Ombudsman, cybercrime — runs on evidence. The borrower who saved the screenshot wins arguments the borrower with a story loses. Start collecting the day something feels wrong, not the day you complain.
What to collect
Your phone’s call history filtered to the agents’ numbers — export or screenshot with dates and durations visible. Frequency itself is evidence: 14 calls in a day tells its own story.
Where you record, keep the ORIGINAL file — never a trimmed clip. Note that recording laws vary; a participant recording their own call stands on much firmer ground than recording others.
Capture the full thread with the sender’s NUMBER visible (not just the saved name), including the date headers. One screenshot per screen, no crops that cut context.
Forward to your own backup address — forwarding preserves the routing headers a screenshot loses. Never delete the original.
Painful as it is: save the message with the image, sender number visible, before blocking. This is the core evidence in a cybercrime complaint, and it cannot be reconstructed after deletion.
Photograph physical letters including the envelope (the postmark dates it). Save PDFs unmodified.
Every letter you send — cease-and-desist, grievance — with its delivery proof. Your notices are half the case: a violation AFTER written notice is what escalation runs on.
How to preserve it
- ▸Originals, never edits — a cropped screenshot or trimmed recording invites the question of what was removed.
- ▸Two homes for everything: the device it was born on, plus one backup (email-to-self or a private cloud folder).
- ▸A running index: one note listing each item — date, time, what it shows. Numbered incidents with pointers turn a folder of screenshots into a case.
- ▸Never annotate the file itself. Write your commentary in the index, not on the image.
How to share it safely
- ▸Share view-only links, never raw attachments — you keep control, and nothing can be quietly altered on the other side.
- ▸To the lender: reference the evidence in your letter ("14 call incidents, recordings available") with a link. The originals leave your custody only if a regulator or court asks.
- ▸To cybercrime.gov.in: upload copies, keep originals. Note the complaint/acknowledgment number in your index.
- ▸Never share evidence containing third parties’ private information more widely than the complaint requires.
Loan Kavach keeps the vault for you
Inside Loan Kavach, every piece of evidence is stored encrypted with a tamper-proof record of when it was added — and your letters reference it automatically, as view-only links, exactly the way this guide recommends.
See how Loan Kavach works →