Is recovery call at late night legal?

Answer

A:

No, making recovery calls at late night hours is not legal and is considered harassment under banking and consumer protection guidelines.

Legal Guidelines on Recovery Calls Timing

1. Reserve Bank of India (RBI) Guidelines

• RBI mandates that banks and their recovery agents must call borrowers only during reasonable hours, typically between 8:00 AM and 9:00 PM.

• Calls outside these hours are considered intrusive and unacceptable.

2. Consumer Protection Laws

• Late-night calls can be classified as unfair trade practices and harassment.

• Borrowers have the right to file complaints if subjected to such calls.

3. Privacy and Mental Peace

• Borrowers deserve respect and privacy, and harassment via calls at odd hours causes mental stress.

• Banks and agents must adhere to ethical recovery practices.

What You Can Do

• Record the calls with time and date as evidence.

• Send a written complaint to the bank’s grievance officer.

• File a complaint with the Banking Ombudsman if the bank does not stop.

• Seek legal advice and assistance if harassment continues.

How Legals365 Can Help

• Guide you on your rights against illegal recovery practices.

• Help draft complaints and legal notices to stop harassment.

• Represent you in consumer forums or courts if needed.

You have the right to peaceful communication — don’t tolerate late-night recovery calls.

 Visit: www.legals365.com

 Call: +91 9625961599

Advocate B.K. Singh and the Legals365 team are here to protect your rights and stop unlawful recovery practices.