Introduction: Har Din Ki Sabse Badi Tension – Recovery Calls
Jab EMI delay hoti hai, borrower ka phone bar-bar bajta hai. Din mein 10–20 calls, kabhi harsh tone, kabhi dhamki. Agar ghar ya office mein recovery agent aa jaaye to stress aur embarrassment double ho jaata hai.
👉 Lekin reality ye hai ki aapke paas rights hote hain, aur har call/visit ko handle karne ka ek legal tareeka hai. Har borrower ko ye jaana zaroori hai ki wo kya bol sakta hai, kya demand kar sakta hai, aur kab complaint karni chahiye.
Section 1: 📞 Phone Call Management
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Calling Hours Fixed Hain – RBI ke hisaab se recovery agents sirf 8 AM – 7 PM ke beech call kar sakte hain. Agar uske baad call aaye to ye harassment hai.
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Frequency Limit – Din bhar unlimited calls karna allowed nahi hai. Agar repeatedly disturb kiya jaa raha hai, complaint file ki jaa sakti hai.
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Recording Calls – India mein self-call recording legal hai. Har call record karo taaki proof ho.
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Professional Responses – Call par calm aur polite raho. Hamesha ye bolo:
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“Please send me details in writing.”
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“Main harassment ke calls tolerate nahi karunga.”
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“Main sirf legal aur written communication accept karta hoon.”
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Escalation – Agar calls abusive ho jayein, immediately bank ke grievance cell aur Ombudsman ko complaint bhejo.
Section 2: 🚪 Handling Physical Visits
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Right to Refuse Entry – Aapke ghar/office mein bina permission koi forcefully enter nahi kar sakta. Ye trespassing hai.
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Notice Requirement – Recovery agent ko written notice ke saath aana zaroori hai. Agar bina notice aata hai, usko refuse karo.
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No Public Drama – Loud shouting, neighbors ke saamne insult karna – sab illegal hai.
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Family Protection – Agar family ko disturb kiya jaata hai, uske against IPC complaint possible hai.
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Police Call Option – Agar agent aggressive ho jaye to police call karna aapka right hai.
Section 3: 🗣️ Communication Scripts (Sample Lines)
Borrowers aksar confuse hote hain ki call/visit par kya bolna chahiye. Yahan kuch sample polite but firm responses:
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On Call:
“Mujhe harassment calls mat kijiye. Jo bhi communication hai, please written mein bhejiye.” -
On Home Visit:
“Aap apna ID dikhaiye aur notice present kijiye. Bina inke main baat nahi karunga.” -
On Threats:
“Main har call record kar raha hoon. Agar aap abusive language use karte ho to main complaint file karunga.”
👉 Aise scripted responses borrower ko confident banate hain aur harassment kam hoti hai.
Section 4: 🚨 Jab Harassment Escalate Ho
Har borrower ko ye samajhna zaroori hai ki ek line ke baad harassment legal violation ban jaata hai.
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Emergency Action – Agar agent aggressive ho jaye, immediately police ko call karein.
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Bank Escalation – Har harassment report ko bank ke senior management tak escalate karo.
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Ombudsman Complaint – Agar 30 din mein solution nahi aata, Banking Ombudsman tak le jao.
Section 5: 🧘 Protecting Your Mental Health
Recovery harassment sirf financial stress nahi, mental health pe bhi impact dalta hai.
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Counseling – Apne family/friends ke saath openly baat karein.
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Focus on Solutions – Panic karne ke bajaye negotiation/settlement explore karein.
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Legal Awareness – Jitna knowledge zyada, utna fear kam.
FAQs: Borrowers Ke Common Questions
Q1: Kya recovery agent raat 9 baje call kar sakta hai?
👉 Nahi. Calls sirf 8 AM – 7 PM tak allowed hain.
Q2: Agar agent ghar pe zabardasti ghus aaye to kya karun?
👉 Police ko call karo. Ye trespassing hai.
Q3: Kya mujhe recovery agent ke saath baat karni compulsory hai?
👉 Nahi. Aap demand kar sakte ho ki sab kuch written mein bheja jaye.
Q4: Agar agent public mein sharminda kare to kya legal option hai?
👉 Defamation aur harassment ke liye complaint file kar sakte ho.
Q5: Ombudsman complaint kaise file karein?
👉 Online RBI portal ya physical form ke through within 30 days of grievance.
Conclusion: Calm Rahiye, Legal Rahiye
👉 Hamesha yaad rakho: fear se nahi, knowledge se hi harassment khatam hota hai.
