Paid back but loan app still demands more

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

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Your situation

What is happening? Huge charges or amount I never agreed
Where do you stand on repayment? I have repaid

Where you stand

In your favour You have repaid — keep the proof; any further demand needs a written account.

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?
Have you complained anywhere?

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Similar situations

Sources

The full guide: A loan app is harassing me, calling my contacts or threatening to post photos · All situations