What legal action can be taken against recovery agents for harassment?

Advocate Ayantika Mondal Answered: 09 Apr 2026

. Dear client, in this case you are not required to deal with recovery agents. RBI guidelines say they cannot harass or threaten you. You can file a complaint with the bank/NBFC and if needed, escalate to the RBI Ombudsmen for better resolution. For threats or abuse you can file a police complaint. For the settlement of this, communicate with the lender directly in writing or through a lawyer to avoid dealing with the recovery agents. May this help and if you have any further issues do not hesitate to contact us.

Advocate A M Iktear Uddin (anik) Answered: 25 Mar 2026

Dear client, If you wish to settle the matter in a legal way, firstly ask the lender/bank/NBFC for a written settlement statement outlining the total outstanding amount, interest and charges and finally the final settlement amount (in a written statement). Do not limit yourself to calls from recovery agents. Send your request by email/letter and ask for an official letter of settlement on the company letterhead. If recovery agents harass and make threats you may make a complaint to the bank/NBFC grievance cell and in regulated cases you can rely upon RBI's Fair Practices Code / recovery conduct rules. After you pay, always obtain a No Dues Certificate / closure letter. If you have any query please feel free to contact us.

Advocate By LEAD INDIA Answered: 23 Mar 2026

If you want to settle the matter legally, first ask the lender/bank/NBFC for a written settlement statement showing the total outstanding amount, interest, charges, and the final settlement amount. Do not rely only on calls from recovery agents. Send your request by email/letter and ask for an official settlement letter on company letterhead. If recovery agents harass or threaten you, you can make a complaint to the bank/NBFC grievance cell, and in regulated cases rely on RBI’s Fair Practices Code / recovery conduct rules. After payment, always collect a No Dues Certificate / closure letter. For further legal assistance contact us on our helpline number.