Can recovery agents harass a borrower's family members for loan recovery?
My married sister purchased a two-wheeler on EMI. The recovery agent regularly visits her house to collect the EMI and repeatedly threatens her through phone calls and messages. He also follows her wherever she goes. Today, the recovery agent crossed all limits. He came to my house and misbehaved with my father. My sister is married, and neither I nor my family is connected with her loan. It is her personal matter. The recovery agent's conduct is disturbing our privacy and causing harassment. In this situation, what legal action can we take?
Dear Client, recovery agents cannot harass, threaten or intimidate family members who are neither borrowers nor guarantors. If the recovery agent has misbehaved with your father or is repeatedly harassing your family, you may file a police complaint and also complain to the concerned bank or finance company. Keep call recordings, messages, CCTV footage or any other evidence of the harassment. If the harassment continues, you may also take appropriate legal action against the recovery agent and the lender. Hope this helps. Please feel free to reach out to us if you have any further queries or need assistance.
If the recovery agent is threatening, harassing, or visiting your house despite you having no connection with the loan, you can file a complaint with the local police and inform the lender in writing about the agent's misconduct. Preserve call recordings, messages, CCTV footage, and witness details as evidence. If the harassment continues, you may also take appropriate legal action against the recovery agent and seek directions against the lender for unlawful recovery practices. For further legal assistance contact us on our helpline number.
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