Harassed by Credit Card Recovery Agents? Know Your Rights & RBI Guidelines – Legal Remedies in Jodhpur, Rajasthan

Facing pressure from recovery agents? Receiving threatening calls at home or work? If you are based in Jodhpur or anywhere in Rajasthan, and are being harassed for credit card dues—you have strong legal and regulatory protection.At Shekhawat Legal, Jodhpur, we help victims fight unlawful credit card recovery through legal notices, criminal complaints, consumer cases, and High Court petitions.

📜 RBI Guidelines on Credit Card Recovery Practices

The Reserve Bank of India (RBI) has laid down clear instructions in its circulars and codes of conduct that all banks and recovery agents must follow:

✅ Key RBI Guidelines:

  1. No harassment or coercion:
  • Recovery agents must not use abusive language, threats, or violence.
  1. Time-bound calls only:
  • Calls must be made only between 7:00 AM and 7:00 PM.
  1. No public shaming:
  • Contacting family members, neighbours, or colleagues for recovery is strictly prohibited.
  1. Identity of agent must be disclosed:
  • Recovery agents must carry proper identity cards and authorization letters from the bank.
  1. Audio recording of interactions:
  • Banks must maintain call recordings of recovery agents for verification.
  1. Customer grievance redressal:
  • Borrowers must be given access to a bank-level grievance mechanism.
  1. No account freezing without procedure:
  • Freezing bank accounts without court orders is not permissible.

Violation of these RBI norms is grounds for legal action.

⚖️ Legal Remedies in Jodhpur, Rajasthan

If you’re being harassed, Shekhawat Legal can help you initiate legal proceedings including:

  1. Sending a legal notice to the bank and collection agency
  2. Filing a criminal complaint under IPC Sections 506 (criminal intimidation), 504 (intentional insult), and others
  3. Consumer case before the District Consumer Disputes Redressal Forum in Jodhpur
  4. Writ petition under Article 226 before the Rajasthan High Court, Jodhpur Bench for violation of fundamental rights
  5. Civil suit for compensation and injunction

📍 Assistance by Shekhawat Legal, Jodhpur

Shekhawat Legal is a dedicated law firm based in Jodhpur, Rajasthan, offering legal solutions tailored to your situation.

We ensure:

  • Timely notices to banks and agencies
  • Protection of your privacy and dignity
  • Representation before courts and forums
  • Relief under civil, criminal, and consumer law

📞 Call Us: 9462643100
📍 Office: Jodhpur, Rajasthan
🌐 Visit: www.shekhawatlegal.com

🏛️ Court Support You Can Rely On

Indian courts have strongly upheld borrower rights:

  • ICICI Bank Ltd. v. Shanti Devi Sharma (Delhi HC) – Banks liable for recovery agent misconduct.
  • PNB v. Anurag Gupta – Unauthorized threats amount to criminal offense.
  • Kishore Samrite v. State of U.P. (SC) – Right to dignity and privacy is fundamental.