News
What happens if you don't repay a loan app in India?
Missed EMIs, SMA flags, CIBIL damage and recovery calls, then what RBI's 6 August 2026 directions change from 1 January 2027, including phone locking.
TopicCollections
7 articles
News
How to complain against loan recovery agent harassment
Write to the lender, wait 30 days, then file with the RBI Ombudsman within 90 days. The 2026 scheme's deadlines and caps, from the RBI's own FAQ.
News
Can loan recovery agents call your relatives in India?
From 1 January 2027 RBI rules bar harassing a borrower's family, referees or colleagues. What the rules, one lender's page and Play's policy say.
News
Can a loan recovery agent come to your home in India?
From 1 January 2027 an agent may visit only after a day's notice, 8am-7pm, at a place you choose first. What RBI's rules say, and where top pages differ.
News
What time can a loan recovery agent call you in India?
Bajaj's page says 8 am to 7 pm, Airtel's says 7 am, and the RBI directions of 6 August 2026 fix 08:00-19:00 from 1 January 2027. The three, side by side.
News
Malaysia licences the lender and only registers the collector
Malaysia's new consumer-credit regulator splits authorisation in two: BNPL and leasing firms need a licence, while debt collection agencies only register. For borrowers, the lighter regime sits on the riskier half of the transaction.
Assessments
Collections conduct, assessed as a product feature
How a lender behaves when a borrower falls behind is a designed part of the product. Assessed on what the rules require, what is disclosed upfront, and what borrowers report.