u/mostancientdream_

Idon't know if this post fits here, but please give me some advice

Hi everyone,

I'm looking for legal advice regarding a dispute with Meesho Pay Later.

Timeline:

• On 04/04/2026, I ordered a saree on Meesho using Meesho Pay Later.
• The expected delivery date was 09/04/2026.
• I never received the product. No delivery executive contacted me, I did not receive any OTP request, call, or SMS from any delivery partner, and no one delivered the package to my address.
• Despite this, the order was marked as "Delivered" in the Meesho app.

Since I never received the product, I did not make the payment because I genuinely believe I should not have to pay for something that was never delivered.

I later raised a complaint with Meesho, but they rejected it stating that I had not reported the issue within their prescribed time window, so they could not help me. (I have already filed a consumer complaint regarding this.)

Since then, I've been receiving frequent calls from multiple different numbers, claiming to be from Meesho or their recovery team. During these calls, they have repeatedly told me:

• I have defaulted on payment.
• My CIBIL score will be affected.
• Charges/EMIs will continue to increase.
• I should immediately clear the dues.

The calls have become extremely frequent and stressful. I feel like I'm being harassed for payment even though I never received the product in the first place.

Today, I received a WhatsApp message from the Meesho Pay Later Team containing what appears to be a legal demand notice issued through a law firm on behalf of their lending partner (Snapmint Financial Services Pvt. Ltd.). The notice demands payment of ₹415 within 48 hours and states that legal proceedings may be initiated if I fail to pay.

I have a few questions:

1. Is this type of notice a standard recovery notice, or does it mean an actual court case has already been initiated?
2. Since my dispute is that the product was never delivered, can they legally recover payment without proving delivery?
3. Should I reply to this notice in writing?
4. Can I ask them to provide proof of delivery (delivery photo, GPS location, signature, OTP logs, etc.)?
5. Is there anything else I should do to protect myself while my consumer complaint is pending?

The amount involved is only ₹415, so this isn't about avoiding payment. My concern is that I am being asked to pay for a product that I never received, while simultaneously facing repeated recovery calls and now legal threats.

I have preserved the WhatsApp messages, the notice, and other relevant records.

Any advice from advocates or people who have dealt with similar consumer disputes would be greatly appreciated.

*Used chatgpt for coherence*

*Used chatgpt for coherence*

Hi everyone,

I'm looking for legal advice regarding a dispute with Meesho Pay Later.

Timeline:

• On 04/04/2026, I ordered a saree on Meesho using Meesho Pay Later.
• The expected delivery date was 09/04/2026.
• I never received the product. No delivery executive contacted me, I did not receive any OTP request, call, or SMS from any delivery partner, and no one delivered the package to my address.
• Despite this, the order was marked as "Delivered" in the Meesho app.

Since I never received the product, I did not make the payment because I genuinely believe I should not have to pay for something that was never delivered.

I later raised a complaint with Meesho, but they rejected it stating that I had not reported the issue within their prescribed time window, so they could not help me. (I have already filed a consumer complaint regarding this.)

Since then, I've been receiving frequent calls from multiple different numbers, claiming to be from Meesho or their recovery team. During these calls, they have repeatedly told me:

• I have defaulted on payment.
• My CIBIL score will be affected.
• Charges/EMIs will continue to increase.
• I should immediately clear the dues.

The calls have become extremely frequent and stressful. I feel like I'm being harassed for payment even though I never received the product in the first place.

Today, I received a WhatsApp message from the Meesho Pay Later Team containing what appears to be a legal demand notice issued through a law firm on behalf of their lending partner (Snapmint Financial Services Pvt. Ltd.). The notice demands payment of ₹415 within 48 hours and states that legal proceedings may be initiated if I fail to pay.

I have a few questions:

1. Is this type of notice a standard recovery notice, or does it mean an actual court case has already been initiated?
2. Since my dispute is that the product was never delivered, can they legally recover payment without proving delivery?
3. Should I reply to this notice in writing?
4. Can I ask them to provide proof of delivery (delivery photo, GPS location, signature, OTP logs, etc.)?
5. Is there anything else I should do to protect myself while my consumer complaint is pending?

The amount involved is only ₹415, so this isn't about avoiding payment. My concern is that I am being asked to pay for a product that I never received, while simultaneously facing repeated recovery calls and now legal threats.

I have preserved the WhatsApp messages, the notice, and other relevant records.

Any advice from advocates or people who have dealt with similar consumer disputes would be greatly appreciated.