Overview
Two distinct problems, one page. First, loans you never took: identity-theft loans on your PAN ruining your CIBIL, and predatory app-loans with exploding 'charges'. Second, unlawful recovery: agents calling your contacts, abusive language, threats, visits at odd hours, and app-loan gangs morphing your photos — all of it illegal under RBI's conduct rules and the criminal law. Banks answer for their agents' conduct; fake loans are removed from your credit record through disputes, bank complaints, and FIRs; and harassment stops fast once a legal notice makes the lender own its agents' crimes.
Key Provisions — RBI Fair Practices Code + SARFAESI + BNS, Various
- RBI Fair Practices Code: recovery calls only 8am–7pm, no abuse or intimidation, no third-party disclosure of your debt — banks are liable for their agents.
- Digital Lending Guidelines: only RBI-regulated entities may lend; apps must disclose rates and cannot access your contacts for coercion.
- Identity-theft loans: BNS 318/319 cheating-by-personation FIR + credit-bureau dispute (bureaus must resolve in 30 days) clears your record.
- Threats, morphed images, and public shaming by recovery agents are prosecutable offences (extortion, defamation, IT Act).
What You Can Get
How We Handle It
Evidence & Triage
Call recordings, messages, loan records — fake loan, unlawful recovery, or both.
Notice & Complaints
Notice to the lender; RBI/Ombudsman complaint; FIR for threats or identity theft.
Credit Repair
Bureau disputes with the fraud FIR — the record corrected at all four bureaus.
Resolution
Harassment ends, fake entries removed; genuine debts settled on lawful terms.
Frequently Asked Questions
A loan app is sending my morphed photos to my contacts — what do I do RIGHT now?
Do not pay. Screenshot everything, complain on cybercrime.gov.in and to the police (this is extortion), and let a legal notice hit the app's regulated lender. These operations fold quickly against organised pushback.
There's a loan on my CIBIL I never took — how do I remove it?
FIR for identity theft, dispute at the bureau with the FIR, and a notice to the lender demanding deletion. Lenders who financed an impostor bear the loss, not you.
Legal Connect connects you with independent advocates; we are not a law firm and this page is general information, not legal advice. In active fraud situations, report to your bank and 1930 immediately — then call us on +91 22 6555 3444.