A couple of years ago, after missing an EMI by a few hours, one loan app did the unthinkable: it threatened to send embarrassing messages to everyone in my contacts. Panic set in, but I took action—and so can you. Here’s what happened and how I took back control.
⚠️ 1. Understand the Threat Landscape
- These apps often steal contact data and use it to scare you—via WhatsApp, calls, or SMS.
- Harassment can include false claims, exposure threats, or fabricated emotional blackmail.
- Know your rights: this behavior is illegal under the RBI’s Fair Practices Code, IT Act, and Indian Penal Code.
🛑 2. Immediate Steps to Take (Within 24 Hours)
- Block the app & revoke contact access
(Settings → Apps → Permissions → Deny Contact Access) - Uninstall the app immediately
- File a complaint via Cyber Crime Portal – cybercrime.gov.in
- Document all proof: screenshots, voice recordings, timestamps, app name
- Inform your contacts—it helps defuse potential embarrassment
🧭 3. Escalate If Needed: Who to Approach
| Authority | When to Contact |
|---|---|
| RBI Ombudsman | If your bank-linked lender violated rules |
| Local Police/FIR | For threats, blackmail, stalking, image misuse |
| National Consumer Helpline | For unfair business practices |
| Cyber Crime Cell & 1930 | For hacking, non-consensual use, online harassment |
✔️ In extreme cases, courts have fined ₹1 million and handed prison terms to predatory lenders.
🧠 4. Plan Ahead: Preventative Measures
- Only install RBI-registered loan apps—check official RBI NBFC list
- Use a spare SIM or burner number for personal data protection
- Read app reviews—particularly for harassment/red flags
- Never grant access to contacts/photos/microphone
✔️ More safety tips in my guide: Are Instant Loan Apps Safe in India?
🛠️ 5. When the Threat Doesn’t Stop
- Escalate to a senior RBI grievance cell
- Consider legal representation for relief orders
- Request interim courts injunctions to stop messaging
- File DMCA takedown or Social Media harassment requests, where relevant
🧾 6. Recovery Once It Ends
- Change all SIMs and secure your numbers
- Run a credit check to ensure no fraudulent loans
- Seek resources from NGOs or legal aid clinics for borrower rights support
✅ Final Thought
No loan amount is worth losing your dignity. If an app crosses lines, take immediate action—you can fight back. Your name, privacy, and peace matter.