Advocate-led loan settlement advisory · Mon–Sat, 10am–7pm IST C Block, Sector 2, Noida, UP 201301 support@paysettle.in
₹ PaySettleby Trust Law Associates

Loan settlement · Legal advisory

Protection from recovery harassment

Being in default does not take away your rights. RBI rules govern how lenders and their agents may recover dues. If agents threaten, abuse, call at unreasonable hours or contact your relatives to shame you, a formal complaint can stop it.

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We are not a lender. We do not give loans or take over your debt. We advise and represent you.

When this may be for you

  • Agents threaten or abuse you on calls or messages
  • Calls come before 8am or after 7pm
  • Friends, colleagues or relatives are being contacted
  • Agents visit your home or workplace and embarrass you

How we help

  1. Help you keep a clear record of every call and message
  2. Draft complaints to the lender's grievance officer
  3. Escalate to the RBI Ombudsman where required
  4. Respond to legal notices properly
  5. Combine harassment relief with settlement negotiation

Documents to keep ready

  • Call log, screenshots and voice notes
  • Names and numbers of agents
  • Loan account details
  • Any notices received
Never pay without a written settlement letter on the lender's letterhead. After the final payment, collect a No Dues Certificate and check that your credit report is updated. Settlement is at the lender's discretion and will be reported to credit bureaus.

Questions borrowers ask

Frequently asked questions

What can recovery agents not do?

Agents may not threaten, abuse, harass or publicly shame you, or call at unreasonable hours.

Where can I complain?

First to the lender's grievance officer, then to the RBI Ombudsman if the response is not satisfactory.

Does a complaint cancel my debt?

No. It addresses the conduct of recovery. The loan itself still has to be resolved.

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