Independent · non-commercial · built on primary documents
You are not alone.
You are not powerless.
You have rights.
Agents who threaten you, call your family, or shame you to recover a loan are breaking the law — not enforcing it. We help you document it, name the rule they broke, and report it to the right authority. We are there for you — to take you out of this and help you know your rights.
It is not a crime to be unable to repay a loan. No one can jail you for it.
Lender conduct report
Example — not a real lender
QuickCash Finance
“They called my office six times in a day and threatened my manager.”
— LT-7F3K · reported from +91 98XXXXXX21
See how a lender behaves — before you borrow.
Threatening calls. Messages to your contacts. Fake legal notices. Public shaming. Whatever they are doing — you can stop it, and you don’t have to do it alone.
Make a complaint nowLatest reporting
16 Apps. 14 Companies. One Debt Trap.
One salaried borrower took short-term loans from sixteen mobile apps. The apps trace back to just fourteen lender entities — and in several cases the same company lent twice, hours apart. This is what their own paperwork and the public register show.
Brain Surgery at AIIMS. Job Gone the Same Month. No Answer for Two Years. Then Bajaj Housing Finance Presented His Blank Cheque for ₹1.90 Crore.
A Delhi borrower had Gamma Knife brain surgery at AIIMS and lost his job the same month. He asked Bajaj Housing Finance for time, not a waiver. Two years on there is still no decision - but there is a bounced cheque for Rs 1.90 crore he never filled in.
Lendit (Chinmay Finlease) paid off your loan — then handed you a bigger one 3 days later. That's the trap, in its own paperwork.
How Lendit, the loan app run by RBI-registered Chinmay Finlease Ltd, rolled one short loan into a larger one three days later, labelled a 36.5% rate "flat" while charging it on a reducing balance, and pre-wrote home and office visits and employer contact into its agreement — plus your rights and how to file an RBI complaint.
A loan app threatened to email a Bengaluru borrower's office "from 1 PM today" — what the RBI rules actually say
When a salaried borrower in Bengaluru fell behind, four loan apps — PaisaOnSalary, Qualoan, SnapPaisa and PaisaInTime — allegedly turned to his workplace and phone. What the RBI Fair Practices Code bars, and how to file an RBI or cybercrime complaint against a loan app.
Toofan Loan and Subhlakshmi Finance: When a Recovery Email Exposed Hundreds of Borrowers
Toofan Loan (Satisfaction Commercial Pvt Ltd) sent one recovery email to ~269 borrowers, and Subhlakshmi Finance one to ~190, with all addresses exposed in To/Cc. Both are RBI-registered. Your DPDP and RBI rights, and how to report data exposure via Sachet, the CRPC and cybercrime.gov.in.
The instant-loan trap: what RBI-registered NBFCs put in their own paperwork
An evidence file on RBI-registered 'instant loan' NBFCs in India — Ram Fincorp, Zayloloan, Rupee On Time, Lendit and more. Built only from their own Key Facts Statements, agreements and recovery emails: APRs in the hundreds of percent, employer-contact pressure and mass data exposure — each case documented in full, plus how to file an RBI complaint against a loan app.
The deep reference document — a dated chronology of ten mass-disclosure recovery e-mails and the rates worked from the lenders’ own Key Facts Statements — is the evidence file on registered NBFCs and mass-disclosure recovery e-mails.
How we help you fight back
Tick what's happening
Calls after 7 PM, messages to your family, threats — tick what the lender or its agents are doing. No account, and nothing you type is stored.
We name the rule they broke
We match it to the exact RBI rule or law — calls after hours, contacting your family, threats, data misuse.
Your letter, ready to send
A letter for the lender's grievance officer, and the right place to go next — RBI Ombudsman, Sachet or cybercrime.
Keep a private record
Optional: a free account keeps every incident as dated evidence under a private code-name, and shows when you can escalate if the lender doesn't reply.
Join the mission
We stand for those in need.
No one should be threatened, shamed, or driven to despair over a loan. We are building a movement of borrowers and advocates who say: enough. Know your rights. Document the harassment. Report it. And never face it alone.
Start by knowing the truth
An agent who threatens you with arrest is using illegal intimidation. Default is a civil matter — not a crime.
Read: Is not repaying a loan a crime?