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Sir, I will not be able to pay my EMI this month. I requested more time, but they are not agreeing. They are constantly calling my references and harassing me. I told them I would settle next month, but they are threatening me to pay immediately. My condition is very bad. The loan was taken through the Nira app. What should I do?
If you can’t pay this month, inform the company officially in writing. Loan app harassment through calls to references is illegal. You can file a complaint with RBI, cybercrime portal, or local police under harassment and threat laws. Try to negotiate a new settlement timeline and keep all communication in writing. For further legal assistance contact us on our helpline number.