Скачать или смотреть Loan App Harassment Solution | How to Stop Loan Harassment Calls & Messages

Loan App Harassment Solution | How to Stop Loan Harassment Calls & Messages | Protect Yourself 2025 | #RikoPocket

Loan app harassment is becoming one of the biggest problems for borrowers in India, especially with the rise of instant loan apps, fake lending apps, and aggressive recovery agents. This video explains how to stop harassment from loan apps, what legal actions you can take, how to protect your personal information, and the best strategies to regain peace of mind while dealing with overdue loans or mistaken loan notices. Many borrowers face continuous calls, threats, abusive messages, and even fake recovery notices from unauthorized agents. Understanding your rights and the correct steps to take is the key to stopping harassment permanently.

Step 1: Verify the loan details – Do not panic. Check if you actually borrowed from the app in question. Fake loan apps sometimes use stolen personal data to threaten users with fake dues. Always log into the official app or contact the official customer service for confirmation.

Step 2: Document everything – Save all calls, messages, emails, WhatsApp chats, and any letters you receive. Screenshots and call recordings are critical if you need to escalate the case legally.

Step 3: Do not pay unknown accounts – Many fake agents ask you to pay via UPI, wallet, or personal accounts. Legitimate NBFCs or banks will only ask payment to official accounts and provide receipts. Avoid paying money to anyone you cannot verify.

Step 4: Block and report numbers – Use your phone’s blocking features to stop repeated harassment. Report numbers to your bank, NBFC, or cybercrime portal (cybercrime.gov.in) if harassment continues.

Step 5: Contact the lender officially – Reach out via official customer service channels to clarify your dues, request a proper repayment plan, and alert them if a fake agent is claiming to be their representative.

Step 6: RBI guidelines & legal rights – RBI regulates recovery practices. No agent can call outside legal hours, threaten, or abuse. If agents violate these rules, file a complaint with the RBI Ombudsman.

Step 7: Cybercrime complaint – If you are being threatened, misled, or extorted, register a complaint at your local police or the national cybercrime portal. Provide all evidence you collected.

Step 8: Build financial buffer & repayment strategy – Even while dealing with harassment, focus on clearing genuine loans via systematic repayment, starting with high-interest ones first. Automate payments where possible to avoid overdue situations.

Step 9: Stay aware of fake apps – Many loan apps are scams or have predatory terms. Always research apps, read reviews, check RBI registration, and never share sensitive data casually.

Step 10: Emotional support & awareness – Loan harassment causes stress and anxiety. Talk to family/friends and educate them about these scams. Awareness prevents panic payments and reduces scam success.

By following these steps, you can stop loan app harassment safely, legally, and effectively. Knowledge, documentation, and proper reporting are your strongest tools. Share this video to protect friends and family from similar scams.

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