What if the app is demanding more than the borrowed amount?

Answer

A: If the demand is more than the principal and there isn't a clear, written breakup, treat it as a claim that is in dispute and may be illegal. You should ask for a full statement of your account that includes the principal, interest rate, fees, penalties, and dates. You should also refuse "lump-sum pressure demands" that don't have proof. If threats or coercion are used to get someone to pay more than they owe, BNS rules on criminal intimidation or extortion-like pressure may apply, depending on the facts. Legals365 and Advocate BK Singh can send a formal notice of dispute, agree on a legal amount, and get evidence ready for a complaint..