Legal Questions

Ans. Yes, but only in a polite way, during the right hours, and with the right ID and permission. They can't break in, threaten your family, or make a scene. If they do, you can call 112 and file a complaint.

Ans. If you’ve given a physical cheque or signed an ECS/NACH mandate and it’s used, then Section 138 NI Act can apply, provided all technical legal requirements are met.  Loans made through UPI or an online app without checks usually don't lead to cases of bounced checks.

Ans. Yes, you can take even a small amount to civil court or a consumer forum if you don't pay, but many lenders don't do it because it costs too much time and money. However, harassment or threats for small amounts are not okay and can be fought.

Ans. Not paying back a loan is usually a civil matter, not a criminal one. But if there is proof of cheating, fake documents, identity theft, or a bounced check, the criminal sections can be used. You can also call the police if they threaten or blackmail you.

Ans. Put all of your screenshots and payment receipts together and send them in:

File a complaint about cyber crime (cyber cell or cybercrime.gov.in)

Local police FIR (especially if there are threats or extortion)

If an RBI-regulated company is involved, use RBI CMS/Grievance.