Loan Recovery agent ki calls aur visits borrowers ke liye stressful hoti hain. RBI ke guidelines ke mutabiq harassment illegal hai. Ye article explain karta hai borrower ke rights, recovery agents ke liye RBI ke do’s & don’ts, aur kaise aap safe tareeke se apne loan issue ko resolve kar sakte hain.
- Loan recovery agents ka role kya hai?
- RBI ke rules for recovery agents
- Borrower ke rights against harassment
- Loan recovery agent se bachne ke practical tips
- Complaint process: RBI Ombudsman & police
- Settlement vs restructuring options
- FAQs
Loan recovery agents ka role kya hai?
Recovery agents ko banks/NBFCs hire karte hain overdue loans collect karne ke liye. Lekin woh sirf collection ke liye authorized hote hain, unke paas aapke ghar ya property zabt karne ka koi direct adhikaar nahi hota (ye sirf SARFAESI/court ke zariye possible hai).
RBI ke rules for recovery agents
RBI ke guidelines (last updated 2022–23) ke mutabiq:
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Recovery agents sirf subah 8 baje se shaam 7 baje tak call/visit kar sakte hain.
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Physical/verbal harassment, bad language, threats strictly prohibited hai.
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Agent ko apna ID card dikhana zaroori hai.
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Agents ko aapke privacy rights respect karne honge.
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Agar borrower complain karta hai, bank us agent ki appointment cancel karne ko majboor hai.
Borrower ke rights against harassment
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Aapko legal protection hai against threats/harassment.
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Aap written complaint de sakte hain bank ke grievance cell ko.
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Agar complaint resolve nahi hoti, to aap RBI Integrated Ombudsman Scheme (CMS portal) par complain kar sakte hain.
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Harassment ke case mein aap police FIR bhi file kar sakte hain.
Loan recovery agent se bachne ke practical tips
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Calls/visits record karein (mobile recording ya CCTV proof rakhein).
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Written communication prefer karein — email ya letter, taaki record ban sake.
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Family ko educate karein — unhe batayein ki harassment illegal hai.
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Kabhi cash me payment mat dein agent ko. Hamesha bank ke official channel use karein (NEFT, cheque, DD).
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Agar harassment zyada ho, to legal notice bhejne par bhi consider karein through advocate.
Complaint process: RBI Ombudsman & police
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Step 1: Bank ke grievance redressal cell me written complaint karein.
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Step 2: 30 din ke andar agar resolution nahi milta, to RBI Ombudsman CMS portal (https://cms.rbi.org.in) par complaint file karein.
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Step 3: Agar harassment physical/serious hai, to local police FIR register karna zaroori hai.
Settlement vs restructuring options
Harassment ka asli solution hai loan resolve karna:
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Restructuring: EMI reduce karna, tenure badhaana.
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One-Time Settlement (OTS): Lump sum payment karke account “Settled” close karna (CIBIL negative impact ke saath).
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Voluntary Sale (secured loan case): Property khud bech kar dues clear karna.
FAQs
Q1: Kya recovery agent ghar aa kar zabardasti saman le jaa sakta hai?
Nahi. Sirf SARFAESI/court ke order ke baad bank property possession le sakta hai. Agent apne aap kuch zabardasti nahi kar sakta.
Q2: Kya recovery agent raat me call kar sakta hai?
Nahi. Sirf 8am–7pm allowed hai.
Q3: Harassment par turant kya karein?
Bank me complaint file karein + harassment proof collect karein + zaroori ho to police me FIR karein.
Q4: Settlement karne se harassment band ho jaata hai?
Haan, kyunki settlement ke baad account close ho jaata hai. Lekin uska CIBIL par negative impact padta hai.
