Predatory app charging fees or blackmailing you
Loan App Harassment
Their threats are illegal. Stop paying immediately.
What you should know
Their threats are illegal
Most loan apps are unregistered shell entities. RBI's 2022 digital lending guidelines ban harassment, contact-list scraping, and abusive recovery.
Stop payingBlock all contact
Your protections
Only RBI-registered NBFCs may lend digitally. If the app isn't on RBI's list, every penny they collected is recoverable in principle.
Multiple legal handles
IT Act §66E (privacy), §67 (obscene content for morphed photos), BNS §308 (extortion). RBI Sachet portal accepts complaints against unregistered lenders.
Sachet portal
Do NOT do these
- Pay any "recovery" fee or middleman
- Share OTP, PIN, or CVV with anyone
- Delete messages, calls, or screenshots
- Pay the harassment fee
- Engage with their recovery agents