Money & banking › Loan app harassment
Got money in my account from a loan app I never asked for
What usually matters in this situation, and the papers to keep ready before you meet an advocate or free legal aid (call 15100).
Make my own list — free, 2 minutesYour situation
- What is happening? Money came without my asking
Papers to gather
- App name, developer, and screenshots of the loan screen
Identifies the app and any bank/NBFC behind it. Where: App store page, app screens. - Call recordings, messages and the numbers used
Main proof of threats and abuse. Where: Phone, WhatsApp. - Amount received and every repayment made
Shows unfair charges and what (if anything) is owed. Where: Bank / UPI statement.
You may also need, depending on your answers
- Key Fact Statement and loan agreement — Anything not disclosed cannot be charged.
- Report the app on RBI Sachet — For apps not linked to a regulated lender.
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.
Saboot will also ask
- 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?
Similar situations
- Loan app is calling everyone in my contacts
- Loan app made morphed photos of me
- Paid back but loan app still demands more
- Loan app abuses me in calls and messages
- Got ₹3,000 but have to repay ₹6,000 in a week
Sources
- RBI (Digital Lending) Directions, 2025 — 8 May 2025
- RBI Sachet portal — check if a lender or scheme is registered
- National Cyber Crime Reporting Portal (MHA)
The full guide: A loan app is harassing me, calling my contacts or threatening to post photos · All situations