Is it legally punishable if someone harasses after loan repayment?
We had taken ₹6 lakh from a relative long back, and since then we have already repaid ₹9.45 lakh with transaction records. There was never any written agreement or proof from their side. Now, during our difficult time, they are harassing us and sending abusive texts.
In India, harassment by a lender or recovery agent, even after a loan is repaid, is a legally punishable offense under both criminal and civil law. Such actions violate guidelines from the Reserve Bank of India (RBI), as well as consumer protection laws and provisions of the Indian Penal Code (IPC). While defaulting on a loan is a civil matter, the use of coercive or abusive tactics by recovery agents constitutes a criminal offense. A police complaint can be filed.
Dear Client, you already having repaid ₹9.45 lakh against a loan of ₹6 lakh, and having transactions records to show for it, clears your debt. If you are still being harassed or abused by your relatives with regard to this loan amount, their conduct is unlawful. You may file a police complaint for harassment and criminal intimidation under Sections 351 and 352 of the Bharatiya Nyaya Sanhita, 2023. It would be best if you keep all records of abusive texts as evidence so that your claim can be supported. A lawyer can help send a legal notice to the relatives who are harassing you, asking them to stop such conduct. I hope this answer helps you. For any further queries, please do not hesitate to contact us. Thank You.
You had borrowed ₹6 lakh and have already repaid ₹9.45 lakh, so you have no further liability. If the relative is harassing or sending abusive messages, you can file a police complaint. Keep all transaction proofs and messages safe. If needed, send a legal notice through a lawyer to stop harassment and assert your rights. For further legal assistsnce contact us on our helpline number.
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