You have rights. We'll enforce them.
Debt collectors and recovery agents cannot call you at any hour, threaten you, or contact your family and employer. If they are — that's illegal. Fliint intervenes immediately, documents the violations, and makes it stop.
Your legal rights as a borrower
RBI's Fair Practices Code and the BCSBI Code of Bank's Commitment to Customers give you clear protections. Most borrowers don't know them — collectors count on that.
Calling hours are restricted
Collectors can only call between 8 AM and 7 PM. Calls before 8 AM, after 7 PM, or on Sundays without your consent are a violation.
No threats or intimidation
Threatening language, abusive behaviour, or any form of intimidation by a recovery agent is illegal. You do not have to tolerate it.
No contact with family or employer
Collectors cannot call your relatives, friends, or employer to discuss your debt or pressure them to make you pay. This is a serious violation.
No physical visits without notice
Recovery agents cannot show up at your home or workplace without prior notice. Unannounced visits — especially aggressive ones — are prohibited.
Right to a written notice
Before any recovery action, the lender must send you a written notice. Verbal-only demands without documentation are not compliant.
Right to lodge a complaint
You can complain to the RBI Banking Ombudsman, the lender's grievance cell, or the consumer court. Fliint helps you do this correctly.
How Fliint stops the harassment
We don't just advise — we intervene directly on your behalf.
Document the violations
We help you record and organise evidence — call logs, screenshots, witness accounts — building a clear case of what's happening and when.
Send a legal notice
We draft and send a formal legal notice to the lender citing the specific RBI guidelines being violated. This usually stops the harassment immediately.
Escalate to the Ombudsman
If the lender doesn't respond, we file a complaint with the RBI Banking Ombudsman on your behalf — a formal process that lenders take very seriously.
Resolve the underlying debt
Harassment often comes from unresolved debt. Once the immediate pressure stops, we help you settle or restructure the debt so the problem doesn't return.
Report harassment — we'll respond within 24 hours
Tell us what's happening. Your report is confidential. We'll review your case and contact you with next steps.
- Your report is completely confidential
- We respond within 24 hours
- No obligation — just honest advice
- We handle all lender communication
Frequently asked questions
Don't suffer in silence
Harassment stops faster when you act. Report it now and let Fliint handle the rest.
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