Respect for Privacy and Dignity

Banks and agents must respect your privacy and dignity. Harassment and abusive language are prohibited. Next Steps:

• Record any offensive phone calls or messages.
• Inform the bank’s grievance cell about any incidents, and if they remain unresolved, the Banking Ombudsman.

Hours of Permissible Contact

You can only get in touch with agents from 7 AM to 7 PM.

Hours of Permissible Contact

You can only get in touch with agents from 7 AM to 7 PM

Next Step:

• Note the time of calls or visits.
• Report any contact outside these hours to the bank.

Identification of Agents:

Agents are required to present identification documents and bank authorization.

Next Steps:

• Request documentation of your identity and authority.
• Inform the bank about any unauthorised agents.

Respectful Conduct:

Agents must behave respectfully and avoid threats or intimidation.

Next Steps:

• Document any abusive or threatening behavior.
• File a complaint with the bank's grievance cell or the RBI if needed.

Process for Resolving Complaints:

Banks need to have a procedure in place for handling complaints about their recovery procedures.

Next Steps:

• File complaints through the appropriate methods.
• Maintain a file with all correspondence and complaint numbers.

Banking Ombudsman’s Grievance Redressal

Seek the Banking Ombudsman’s assistance if the bank is unable to address your concern.

Next Steps:

• Send a complaint by mail or online to the Banking Ombudsman.
• Give all required supporting documentation.

Legal Action

In extreme circumstances, you are entitled to file a lawsuit to stop harassment.

Next Steps:

• Speak with an attorney to learn about your legal alternatives.
• If required, file a case in the Consumer Court.

Conclusion

By being aware of and adhering to RBI requirements, you may effectively handle and put an end to harassment from banks and recovery agencies. Take the following actions to safeguard your rights and maintain your peace of mind.

Agent Harassment, Bank Harassment
| Tags: Agent harassment, Bank Harassment

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