NBFC / Recovery Agent Harassment Notice
Fight back against recovery agents who call outside permitted hours, use abusive language, or threaten wrongful repossession. Our AI drafts a legally compliant notice — citing RBI regulations — in under 5 minutes.
How it works
Your details
Name, address & contact
Lender / NBFC
NBFC name, loan type & RBI registration
Grounds
Select harassment type & add specifics
Pay ₹299
Notice PDF sent to your email instantly
RBI Fair Practices Code reminder: Recovery agents may only contact you between 8:00 AM and 7:00 PM (PR 2022-2023/707). If harassment continues after this notice, escalate to the RBI Ombudsman at cms.rbi.org.in (RB-IOS, 2026) — free, can award up to ₹30 lakh for financial loss (plus ₹3 lakh for harassment/mental anguish), no cap on the underlying dispute amount. The NBFC's internal GRO is required to respond within 30 days of a complaint.
Your Details
The borrower's details. The notice PDF and a copy will be emailed to you.
Used for the "Place:" line in the signature block.
The generated notice PDF will be sent to this email.
Frequently Asked Questions
When can a recovery agent legally contact me?▼
Under the RBI Fair Practices Code (Circular PR 2022-2023/707, August 12, 2022), recovery agents may only contact borrowers between 8:00 AM and 7:00 PM. Calls or visits outside this window — including early morning calls, late-night calls, or repeated calls during prohibited hours — are a direct violation of the RBI's guidelines and can be cited in a formal notice.
Do I need to approach the NBFC's Grievance Redressal Officer (GRO) before sending this notice?▼
It is not a mandatory legal pre-condition, but escalating to the NBFC's GRO first strengthens your case. The RBI requires every NBFC to designate a GRO and respond to grievances within 30 days. If your GRO complaint goes unanswered beyond 30 days, or if the response is unsatisfactory, you may escalate directly to the RBI Ombudsman under the Reserve Bank – Integrated Ombudsman Scheme, 2026 (RB-IOS, 2026) without paying any fee.
Can the NBFC seize my vehicle or property without prior notice?▼
No. Under the SARFAESI Act, 2002 (Sections 13(2) and 13(4)), a secured creditor must first issue a 60-day demand notice before enforcing security. Any physical repossession without following this process — or without possession notice under RBI guidelines — is wrongful repossession and constitutes a violation of both the SARFAESI Act and the RBI Fair Practices Code. Note: SARFAESI applies only to secured loans; for unsecured personal loans or credit card debt, the RBI Fair Practices Code remains the governing framework.
When does BNS Section 351 (criminal intimidation) apply?▼
BNS Section 351 applies when a recovery agent explicitly threatens a borrower or their family with physical harm, false criminal cases, or arrest. Mere rude or abusive language — while still a violation of the RBI Fair Practices Code — does not meet the threshold for criminal intimidation. This notice generator gates the BNS 351 citation to explicit threat situations only; for rude language, the RBI FPC citation alone is used.
What happens if the NBFC does not respond to this notice?▼
You can escalate through: (1) the NBFC's internal Grievance Redressal Officer (GRO) if not already done; (2) the RBI Ombudsman at cms.rbi.org.in under RB-IOS, 2026 — free to file, can award compensation up to ₹30 lakh for financial loss (plus up to ₹3 lakh for harassment/mental anguish), with no cap on the underlying dispute amount itself; (3) the State Consumer Forum under the Consumer Protection Act, 2019 for deficiency in service; or (4) a civil suit or criminal complaint as the facts warrant.