Money & banking

A loan app is harassing me, calling my contacts or threatening to post photos

Lenders regulated by RBI cannot shame you or reach into your contacts. Illegal apps often are not lenders at all. We will work out which you are dealing with.

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What the law says

RBI's Digital Lending Directions, 2025 require regulated lenders to list their apps in RBI's public directory, disclose all charges in a Key Fact Statement, tell you about recovery agents in advance, and stay away from your contacts and photos. Threats and morphed images are crimes and can be reported to police and 1930.

General information, not legal advice.

Papers that usually help

App name, developer, and screenshots of the loan screen
Identifies the app and any bank/NBFC behind it.
Call recordings, messages and the numbers used
Main proof of threats and abuse.
Messages your contacts received (from them)
Shows misuse of your data.
The morphed images or threat to post them
Needed for police; platforms can remove posted images.
Amount received and every repayment made
Shows unfair charges and what (if anything) is owed.
Key Fact Statement and loan agreement
Anything not disclosed cannot be charged.
Police / 1930 complaint about threats
Threats and morphed images are criminal.
Report the app on RBI Sachet
For apps not linked to a regulated lender.

Questions Saboot will ask you

What is happening?
Is the app in RBI's directory of digital lending apps, or linked to a bank/NBFC?
Where do you stand on repayment?
Have you complained anywhere?
Did you get a Key Fact Statement (loan summary with interest and fees)?

Sources

Common situations

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