Action against recovery
you are not a defaulter, and your bank, finance
company, cell-phone operator is harassing you to
extort money through recovery agents then follow
Note down the telephone number from where the
call is originating.
Try to get the name of caller.
If he visits you personally, ask for his
identity card of employment in the institution
from which you have subscribed the services.
If he is not the employee of the institute, you
have no liability to deal with him as you have
no contract/agreement of service with him.
immediately complain in writing to the Senior
Inspector of the police station in your locality
informing the telephone number and the name of
Complain to the head of institution- like
Chairman, Managing Director, CEO, etc. about the
incident and their defective services.
Complain to the Banking Ombudsman, if it is a
Complain to the Chairman, Reserve Bank of India,
who is responsible for all the banks in India.
Enclose the copy of the police complaint when
you complain to these officers.
Write to the media.
Recovery through agents is illegal.
Banks are not supposed to divulge your financial
details and your address and telephone number to
a third party.
Third party cannot represent your service
provider for such crucial and sensitive
Do not give any money to recovery agents as you
have no contract with them.
Give money to your service provider only against
If any recovery agent calls you to any place,
don't go alone, take the police with you and get
them arrested. Plain clothes policemen will
accompany you if need arises. If there is any
emergency, dial telephone number 100 and inform
the police control room your location.