Introduction

While instant online loan applications have rescued many in need of emergency funds, they have also become a platform for exploitation and illegal harassment. A significant number of these apps operate without RBI registration, and their operators often misuse personal data and threaten borrowers—sometimes even after repayment. Understanding how to file a legal complaint is crucial for victims of such practices. Being aware of the process for how to file a legal complaint provides a vital recourse against this abuse and empowers individuals to seek justice.

Abusive calls, threatening messages, morphed photos or pressure tactics seeking money are amongst the most common ruses that victims receive. This psychological torment may be in the work, family, and mental health.

In case of such harassment, you enjoy the full protection of the Indian law. This blog describes an easy 10-step way of filing a legal complaint and ceasing the activities of these illegal loan recovery agents. The advice of Advocate Shrishti Rani, who is an expert advocate in Patna, is provided at each step. Advocate Shrishti Rani is one of the best lawyers in Patna Civil Court, one of the best lawyers in patna in the area of criminal law and one of the best divorce lawyers in India.

Why You Must Know These Steps

• The level of online harassment of loans is growing in India.
• A lot of individuals give their money to scammers because they are afraid and because they are unaware.
• Women, students and working professionals are usually the victims of harassers.
• Unlawful applications deploy threats in order to obtain additional money.
• It is good to know the right steps to the right steps guarantee safety, confidence, and justice.

10-Step Guide to File a Complaint for Online Loan App Harassment

1. Gather all Evidence of Harassment

• Get photos of threatening messages.
• Recordings of abusive agents are saved as calls.
• Store screenshots of application information and payment history.
• Record every phone number that was utilized to contact you.
• PR: maintain a chronicle of events.

Advocate Shrishti Rani Suggestion: Write down anything that is evident. To guide you, call Advocate Shrishti Rani, a known advocate in Patna whom we refer to as the Best lawyer in Patna and the best advocate in Patna civil court.

2. File a Complaint on The National Cyber Crime Portal

• See cybercrime.gov.in (Govt. portal).
• Select “Report Cyber Crime.”
• Post pictures, audio and chat evidence.
• Include phone numbers of the agents.
• Send the complaint and retain the acknowledgement.

Advocate Shrishti Rani’s Suggestion: Complaints about cyber enhance your case. Enlist the services of Advocate Shrishti Rani, who is a reputed advocate in Patna and considered the best criminal lawyer in india, and a much sought-after advocate among women in need.

3. File a Written Complaint at Your Nearest Police Station

• File a complaint with evidence.
• Don’t forget that the application is unlawful and poses a threat to you.
• Numbers can be traced and immediate action can be taken by police.
• IT act harassment is a criminal offense.
• Request a receipt copy to be stamped.

Advocate Shrishti Rani’s Suggestion: In the case of FIR, use the services of Advocate Shrishti Rani (one of the top divorce lawyers in india), a loyal advocate in Patna as well as a skilled criminal case lawyer.

4. Block Fraud Loan Agents Immediately

• Abusive agents do not need to be spoken to.
• Block all the numbers that call frequently.
• Do not disclose private information to anyone.
• True lenders will not harass and abuse you.
• Blocking also helps in the prevention of more mental stress.

Advocate Shrishti Rani’s Suggestion: In case of doubt about whom to block, consult advocate Shrishti Rani, who is an advocate in Patna, who is respected as one of the best lawyers in Patna and has been often recommended in cases of a similar nature.

5. Report the Loan App to Google Play Store

• Open the app page.
• Tap “Flag as Inappropriate.”
• Select “Fraud or harassment.”
• Describe the accident incident in detail.
• Include graphics to reinforce the report.

Advocate Shrishti Rani’s Suggestion: Others are also safeguarded by such reports. To write clear complaints, visit Advocate Shrishti Rani, the best lawyer in Patna, who is among the top divorce lawyers in India and admired for her work on the issues of women’s safety.

6. Complain to the Reserve Bank of India (RBI)

• RBI oversees all the legal NBFC lenders.
• Unlawful loan services are prohibited at the moment.
• Complaining can be done via the RBI grievance portal.
• Fraudulent loan companies are monitored by RBI.
• The move by RBI makes your case with the police more solid.

Advocate Shrishti Rani Suggestion: To prepare the complaint to RBI, contact Advocate Shrishti Rani, a reputable and the best lawyer in patna high court, who is regarded as the best advocate in Patna civil court and is known to draft legal documents professionally.

7. Send a Legal Notice to the Loan App Operator

• Advertisements compel bullies to cease communication.
• They show that you are serious with action.
• Notice is a good caution prior to judicial actions.
• It comes as evidence at an FIR or court case.
• Helps stop threats quickly.

Advocate Shrishti Rani Suggestion: To make a good legal notice, refer to Advocate Shrishti Rani, a renowned advocate in Patna, recognized as the Best divorce lawyer in India and her work in drafting legal work is very noticeable.

8. Complain to the National Consumer Helpline

• Legitimacy of illegal loan apps infringes your rights as a consumer.
• Harassment can be compensated.
• Consumer court helps borrowers to avoid mental torture.
• There are online and offline complaints.
• This will reinforce civil procedures.

Advocate Shrishti Rani’s Suggestion: In consumer affairs, seek the assistance of Advocate Shrishti Rani, who is a renowned advocate in Patna, reputed as the best criminal lawyer in india and effective in consumer cases.

9. Inform Your Bank to Prevent Unauthorized Transactions

• Guard your bank account against additional debits.
• Banks are able to block suspicious UPI or app payments.
• Allow transaction notifications to be on the safe side.
• Change ATM passwords, UPI passwords, and online banking passwords.
• Ask your bank to place your account under vigilance.

Advocate Shrishti Rani’s Suggestion: In case of financial fraud, refer to Advocate Shrishti Rani, who is the most reliable money advocate in Patna, who is regarded as one of the best divorce lawyers in India, and on whom they depend to handle matters of money fraud.

10. File a Court Case If Harassment Continues

• Harassment can be prevented using court orders.
• Mental trauma can be compensated.
• Courts are able to instruct police to be rough.
• Lawsuits are also used to expel your information out of the system of the app.
• Criminal prosecution guarantees protection over a long term.

Advocate Shrishti Rani’s Suggestion: When it comes to being represented in court, it should be Advocate Shrishti Rani, who is a good advocate in Patna and is considered the best advocate in Patna civil court  and excellent in harassment cases.

Why Choose Advocate Shrishti Rani? 

• She is very experienced in cases of cyber harassment and violation of privacy.
• She is a renowned activist in Patna who is credible with regard to protecting women.
• She gives details on how to step-by-step guide FIR, cyber complaints, and legal notices.
• She is the best advocate in Patna civil court for the clients.
• She guarantees complete secrecy, expediency, and secure record keeping.

Conclusion 

The issue of online loan application harassment is extremely acute in India, and it concerns thousands of individuals daily. As the number of those who abuse personal data and send threatening and abusive messages increases, it is necessary to act now and decisively. Knowing the legal procedures will make you feel secure and safe in this kind of a situation.

Through gathering evidence, lodging cyber complaints, reporting to RBI and taking part with police, you are creating a very solid case against the fraudulent loan app. Such actions do not only serve as a type of protection to yourself but also contribute to blocking such apps indefinitely, just as in the case of others. Mental bullying and harassment with intimidation and blackmail are crimes, and the law is solid in favor of the victims.

Advocate Shrishti Rani is one of the best lawyers in Patna Civil Court, one of the best lawyers in patna in the area of criminal law and one of the best divorce lawyers in India. In case you are overwhelmed or unconfident, you can have legal professionals such as Advocate Shrishti Rani to take you through the process step-by-step. Since she is the best advocate in Patna and handles the issues of harassment and cybercrime, your privacy, safety, and legal rights are the priorities she maintains at any time.

Contact Advocate Shrishti Rani for expert property dispute legal help: +91 89202 07918.

FAQs