Predatory Loan App Harassed My Family and Colleagues — Police Still Refuse FIR
I genuinely need help and guidance from this community regarding a predatory RBI-registered loan app/NBFC situation.
I am from Kerala. The loan entity is registered in Delhi. I have call recordings, screenshots, WhatsApp chats, repayment proofs, and evidence of harassment.
What happened:
- Even before the due date, recovery agents started pressure calls.
- During delay, they contacted relatives, colleagues, and people from my contact list.
- They humiliated me in front of others and created extreme mental stress.
- Despite being an RBI-registered entity, local police are refusing to register an FIR saying the NBFC is in Delhi and jurisdiction becomes complicated.
- RBI Ombudsman/Consumer channels are either redirecting me elsewhere or saying parts of the issue are “outside scope.”
This is the dangerous part:
People are told “take loans only from RBI-approved apps” as if that automatically guarantees safety. But when harassment actually happens, an ordinary borrower gets trapped between police jurisdiction issues, RBI technicalities, grievance emails, and legal delays.
I am not trying to escape repayment responsibility.
I am asking:
How can an RBI-linked lending ecosystem access contacts, shame borrowers publicly, harass relatives, and still leave victims running from office to office?
I need advice from lawyers, journalists, cybercrime experts, activists, or anyone who has fought similar cases.
Specifically:
- How do I force proper FIR registration across states?
- Can cybercrime portals help in interstate harassment?
- Which authority actually acts against recovery harassment?
- Has anyone successfully taken action against such apps/NBFCs?
I’m willing to legally fight this because this system is psychologically destroying people during emergencies when they are already vulnerable.
If anyone can guide me properly, please comment or DM.