Question
Q: What to do if I never took the loan but they are harassing me?
Answer
A: Put your denial in writing right away and ask for proof of consent, like OTP logs, an e-sign record, or a recorded approval trail. Don't spend the money; leaving it alone makes your case stronger and lowers the risk of being accused. If the app threatens or misuses data to get you to pay back, BNS intimidation and cheating/impersonation angles may be true. Legals365 and Advocate BK Singh write a strong notice of denial or objection and give you safe steps to take to avoid forced recovery.
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By Advocate BK Singh
(Delhi High Court)
