Money & banking › Loan, EMI and recovery

Lender calls me at night and on holidays

What usually matters in this situation, and the papers to keep ready before you meet an advocate or free legal aid (call 15100).

Before anything elseRecovery calls are allowed only between 8 am and 7 pm.

Make my own list — free, 2 minutes

Your situation

What is happening now? Harassing calls or visits

Papers to gather

Loan agreement, sanction letter and key fact statement (KFS)
Shows what you actually agreed to. Where: Lender's app, email, branch (you can ask for a copy).
Loan account statement (statement of account)
Shows EMIs paid, charges and the outstanding. Where: Lender's app/website or written request.
Your bank statement showing EMI debits and bounces
Checks the lender's figures. Where: Net banking.
Call log, recordings and messages from recovery agents
Abusive conduct breaches RBI rules. Where: Your phone.

You may also need, depending on your answers

Messages your family/friends received from the lender — Contacting your contacts to shame you is a serious breach.
Your complaint to the lender's grievance officer and reply — Usually required before an RBI Ombudsman complaint.
App name, download link, screenshots of loan terms, and permissions it took — Needed for police and RBI complaints.
Proof of hardship (termination letter, medical bills, business accounts) — Supports a restructuring or settlement request.
Insurance policy linked to the loan — May pay EMIs in some situations.

What the law says

RBI rules govern recovery conduct and digital lending. Secured-loan enforcement follows the SARFAESI Act, with appeals to the Debts Recovery Tribunal.

General information, not legal advice.

Saboot will also ask

What kind of loan is it?
Who lent the money?
How far behind are the EMIs?
Have there been threats, abuse or calls at odd hours?

Make my own list — free, 2 minutes

Similar situations

Sources

The full guide: Loan or EMI trouble — recovery calls, bank notices, settlement · All situations