Build an incident timeline
Collect dates, caller details, received messages and a concise description of the conduct.
Support for borrowers in India
Anti Harassment Cell
Support for Borrowers
If recovery communication becomes threatening or abusive, start with a clear record and the correct complaint channel. Understand the concern before deciding what action to request.
- Incident documentation
- Lender complaint preparation
- Official-route guidance
SOL is a private support service, not a regulator, police unit or court. It cannot guarantee that calls stop or complaints succeed.
Understand the service
What does SOL’s Anti Harassment Cell support cover?
This service focuses on helping borrowers organize concerns about debt-recovery conduct and prepare clear communications. It does not cancel the debt, replace official complaint channels or itself investigate with regulatory powers.
RBI prohibits intimidation and harassment by covered lenders and recovery agents. [1]
- Record
- What happened and when
- Complain to
- The lender’s grievance channel
- Keep separate
- Conduct concerns and repayment dues
Anti Harassment Cell services
Turn the concern into an organized complaint.
Share the facts needed for the agreed support. Keep sensitive banking credentials private and retain your own copies of the evidence.
Identify the lender
Confirm which lender or authorized agency the communication relates to.
Prepare a clear complaint
Set out the specific concern, supporting records and the response you are asking for.
Track the response
Keep complaint references and review whether an official escalation route is available.
Illustrative photographs; not client or team endorsements.
Assess before enrolling
When should recovery conduct be reviewed?
Focus on what was said or done, rather than assuming every collection reminder is misconduct.
A discussion may help if…
- You received threats, abusive messages or intimidation.
- Communication appears to disclose your debt to unrelated people.
- Caller identity or lender authorization is unclear.
- You need help setting out a complaint and tracking its response.
Compare your alternatives
You can complain directly to the lender. SOL support is optional; confirm what is included before choosing a paid service.
For an immediate threat to physical safety, contact local police or emergency services. Do not wait for a service consultation.
Choose the appropriate complaint route
Lender grievance channel
Use the lender’s official complaint route, give specific facts and request an acknowledgement.
SOL preparation support
Ask for help organizing the incident record and wording your communication within an agreed service scope.
Official escalation
Check whether RBI’s current complaint process covers the concern and whether its filing conditions are met.
How it works
The recovery-concern support process.
The aim is a usable complaint record—not a promised interruption of all collection activity.
- Step 01
Record the incident
Keep received messages, caller details and dates.
- Step 02
Identify the account
Match the concern to the lender and borrowing.
- Step 03
Prepare the complaint
Explain the facts and request a specific response.
- Step 04
Track lender acknowledgement
Preserve the reference and any written response.
- Step 05
Check escalation options
Review current official conditions if the issue remains unresolved.
Step 1 of 5
A complaint about conduct does not suspend payment obligations, court proceedings or response deadlines.
Understand the implications
Harassment and ordinary recovery are different.
RBI’s recovery-agent rules address prohibited conduct; they do not erase legitimate dues.
Describe the actual incident
Use the words, message or action involved rather than an unsupported accusation about everyone contacting you.
Keep discussing affordable options
Review your account status separately. Resolving a complaint does not itself approve a settlement.
The RBI circular prohibits overdue-loan recovery calls before 8 AM and after 7 PM for covered lenders and agents. [1]
Understand the service fees
Anti Harassment Cell service fees.
The Basic Plan below is a settlement-service reference. Confirm that it applies to your account and agreed service scope.
- One-time sign-up
- ₹1,000 + GST
- Monthly service fee
- ₹1,000 + GST per ₹1 lakh outstanding
- Basic Plan fee period
- 5 months
Premium Service fees may differ. Confirm partial-lakh billing, scope and applicable taxes in your agreement. Lender settlement payments use authorized lender routes; SOL fees are separate.
Agree scope and cost before enrolling.
The Basic Plan shown is not a published standalone price for anti harassment cell. Ask SOL to confirm whether this support is included in a settlement agreement or quoted separately.
- Ask what tasks and follow-up are included.
- Get fees, taxes and any extra charges in writing.
- Confirm cancellation terms and your responsibilities.
Official lender and bureau channels can also be used directly. A paid support service is optional.
Documents and safeguards
Preserve evidence before escalating.
A short, specific record makes it easier to explain the concern and track what happens next.
- Timeline: note the date, time and nature of each relevant incident.
- Identity: keep caller numbers, names given and agency details.
- Records: save received messages and written communications.
- Privacy: redact unnecessary sensitive details when sharing evidence.
- Follow-up: retain complaint acknowledgements and responses.
Never share banking passwords or OTPs with SOL. Verify payment instructions independently.
What to bring to the first discussion
Prepare a brief incident summary, the lender name, limited account reference, relevant messages and any complaint already submitted.
Ask what to preparePractical borrower guidance
Use official routes for official remedies.
Check RBI’s current complaint guidance and CMS for coverage, filing conditions and the applicable timeline. Review the live guidance before filing, as the conditions depend on the complaint and lender. [2]
First, approach the lender
Use its grievance route and retain the response or acknowledgement.
Then, check eligibility
Where available, review RBI CMS escalation requirements. SOL’s consultation is separate from an official complaint.
Choose with clarityKeep the facts clear.
Keep the facts clear.
Choose the right channel.
SOL can help you prepare a coherent account of the concern. Ask who will handle the support and what the agreement includes.
- An incident record you can check and retain.
- Clear limits on SOL’s role and responsibilities.
- Guidance toward lender and official complaint routes.
Explore related support: Credit Card Settlement · Business Loan Settlement · Debt Closure · Talking to Clients and Creditors · CIBIL Score Improvement.
Common borrower questions
Anti Harassment Cell: clear answers.
Start with the facts, then discuss how they apply to your account.
Will SOL stop all recovery calls?
No guarantee is made. The service supports documentation and communication; lender conduct and official remedies are outside SOL’s control.
Is SOL’s Anti Harassment Cell an RBI department?
No. It is a private SOL support service and is not a regulator or law-enforcement body.
Can I complain to the lender myself?
Yes. Use its official grievance channel and keep a complaint reference. Paid assistance is optional.
Does making a complaint cancel my debt?
No. Conduct concerns and repayment obligations are separate issues.
Can SOL provide a guaranteed legal representation service?
No such credential or representation guarantee is asserted here. Obtain advice from a suitably qualified professional if legal assistance is required.
What if my safety is at immediate risk?
Contact local police or emergency services immediately. Do not wait for a callback or service enrollment.
Compare before you choose
Why SOL? Compare with other agencies.
Use consistent questions to assess every provider. The right choice depends on the actual agreement and support you need.
| What to compare | Settlement On Loan What this page explains | Other agency What to verify |
|---|---|---|
| Service fees | Standalone scope and charges need an agreed quote; the Basic Plan reference is not a standalone tariff. | Request the fee schedule, taxes, scope, period and extra charges. |
| Role and authority | Support and guidance; lender, bureau and authority decisions remain with those organizations. | Ask what the provider can do and verify claimed credentials or authority. |
| Money and documents | SOL fees are separate from lender dues. Verify payment destinations through official channels. | Check who receives money and how you can verify instructions. |
| Outcome claims | SOL is a private support service, not a regulator, police unit or court. It cannot guarantee that calls stop or complaints succeed. | Request evidence for claims; avoid relying on guaranteed savings, score changes or complaint results. |
| Agreement and records | Confirm responsibilities and cancellation terms; keep original documents and correspondence. | Check the agreement, updates, record access and data-handling terms. |
Other providers’ terms vary. This checklist does not claim competitors have particular shortcomings.
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