Success Story: Standing Strong Against Harassment – A Journey to Justice

Financial Strain During a Family Crisis

Ritika Sharma, a 34-year-old woman and working professional from Delhi, was already going through a difficult phase. Her husband had recently undergone a major surgery, and the medical bills had left their family financially strained. During this time, Ritika had fallen behind on the EMIs (Equated Monthly Instalment) of her loans issued by a reputed private bank as well as NBFCs.

When Recovery Crosses the Line

What started as reminder messages from the bank soon turned into a nightmare. Recovery agents began calling her repeatedly, using aggressive and threatening language. The harassment didn’t stop there. Then, dozens of WhatsApp messages a day, many of them aggressive and demeaning. “We’ll make sure everyone hears about it,” One message read.

Soon, calls began pouring in, not just to Ritika, but to her parents, her cousins, even a former colleague she hadn’t spoken to in years. The recovery agents had somehow accessed her contact list and were now spreading misinformation about her financial standing.

Public Humiliation and Emotional Toll

What should have been a professional repayment conversation turned into public humiliation. Her mother received threatening calls, and her uncle was told Ritika had “run away” from her financial obligations. Some of her relatives began asking uncomfortable questions. The emotional stress took a toll on her work, her mental peace, and her confidence.
After this incident, Ritika felt trapped, humiliated, and helpless. But she chose to speak up instead of staying quiet.

Seeking Help Through Legal Support

That’s when she came across Expert Panel, a legal support platform. Upon reaching out, she was connected with an experienced advocate who listened to her entire ordeal patiently. The lawyer immediately identified multiple legal violations, including a breach of RBI’s recovery guidelines, data privacy, and mental harassment.

Filing a Formal Complaint with Evidence

The legal team helped Ritika gather all the necessary evidence, such as call logs, screenshots of WhatsApp messages, and details of third-party calls. With a structured approach, they filed a formal complaint using the bank’s grievance redressal matrix. The complaint highlighted the harassment, misuse of contact information, and emotional distress caused by the recovery agents. It also demanded strict action and requested activation of Do Not Disturb (DND) services for the client.