Your 5-Step Action Plan

Interactive Risk Scenario Analysis

Filter the options below to compare the risk levels of different strategies.

To,
The Officer-in-Charge,
[Your Local Police Station Name],
[City, State, Pin Code].

Date: [Date of Filing]

Subject: Filing of First Information Report (F.I.R.) against [Name of Bank/NBFC] and their recovery agents for criminal intimidation, harassment, and invasion of privacy.

Respected Sir/Madam,

I, [Your Full Name], son/daughter of [Your Father's Name], resident of [Your Full Address], wish to file this complaint against the management of [Name of Bank/NBFC] and their unidentified recovery agents who have been persistently harassing and threatening me and my family.

1. My family member, [Name of Borrower], resident of [Borrower's Address], holds a loan account with the number [Loan Account Number] from [Name of Bank/NBFC].

2. For the past [Number of days/weeks], we have been receiving incessant calls from recovery agents claiming to represent the aforementioned lender. I am not a borrower or a guarantor on this loan, yet the agents have been contacting me on my personal mobile number [Your Mobile Number].

3. The agents have used abusive and threatening language. Specifically, on the following dates and times:
    - On [Date] at [Time], an agent calling from [Agent's Phone Number, if known] threatened me with [Specify the threat, e.g., "physical harm," "public humiliation," "visiting my workplace"].
    - On [Date] at [Time], an agent named [Agent's Name, if known] used obscene and abusive language.
    - (Add more specific instances of harassment with as much detail as possible).

4. These actions are a clear violation of the Fair Practices Code established by the Reserve Bank of India (RBI) and constitute criminal offenses under the Indian Penal Code (IPC). The constant threats have caused immense mental anguish and distress to my family.

5. I am therefore requesting you to register an F.I.R. against the responsible officials of [Name of Bank/NBFC] and their recovery agents under the relevant sections of the IPC, including but not limited to Section 503 (Criminal Intimidation) and Section 506 (Punishment for criminal intimidation).

I have attached a log of the calls and messages as evidence. I assure you of my full cooperation in the investigation.

Thank you.

Sincerely,

[Your Signature]

[Your Full Name]
[Your Mobile Number]
[Your Email Address]
                    

**LOAN AGREEMENT**

This Loan Agreement (the "Agreement") is made and executed on this [Date] day of [Month], [Year] at [City, State].

**BETWEEN:**

**[LENDER'S FULL NAME]**
Son/Daughter of [Lender's Father's Name]
Residing at [Lender's Full Address]
PAN: [Lender's PAN Card Number]
(Hereinafter referred to as the "Lender")

**AND**

**[BORROWER'S FULL NAME]**
Son/Daughter of [Borrower's Father's Name]
Residing at [Borrower's Full Address]
PAN: [Borrower's PAN Card Number]
(Hereinafter referred to as the "Borrower")

(The Lender and the Borrower are hereinafter collectively referred to as the "Parties" and individually as a "Party")

**WHEREAS:**
A. The Borrower is in need of funds for the purpose of [Specify Purpose, e.g., consolidating existing debts, personal financial need].
B. The Lender has agreed to grant a loan to the Borrower, and the Borrower has agreed to accept the loan, subject to the terms and conditions set out in this Agreement.

**NOW, THEREFORE, IT IS HEREBY AGREED AS FOLLOWS:**

**1. LOAN AMOUNT & DISBURSEMENT**
The Lender agrees to lend to the Borrower, and the Borrower agrees to borrow from the Lender, the principal sum of ₹[Loan Amount in Numbers] (Rupees [Loan Amount in Words] only) (the "Loan"). The Loan shall be disbursed via [Mode of Transfer, e.g., RTGS/NEFT/Cheque] to the Borrower's bank account, details of which are:
Bank Name: [Borrower's Bank Name]
Account Number: [Borrower's Account Number]
IFSC Code: [Borrower's IFSC Code]

**2. INTEREST**
The Loan shall carry a simple interest at the rate of [Interest Rate]% per annum on the outstanding principal amount.

**3. REPAYMENT**
The Borrower shall repay the Loan along with interest in [Number of Installments] Equated Monthly Installments (EMIs) of ₹[EMI Amount] each. The first EMI shall be due on [Date of First EMI] and subsequent EMIs shall be due on the [Day]th day of each succeeding month until the Loan is fully repaid.

**4. SECURITY / COLLATERAL (Optional Clause)**
As security for the timely repayment of the Loan, the Borrower pledges the following assets: [Detailed description of the asset, e.g., "Gold jewelry as detailed in Annexure A"]. The Borrower warrants that they are the absolute owner of the said assets. A valuation report of the assets is attached as Annexure A.

**5. DEFAULT**
An "Event of Default" shall occur if the Borrower fails to pay any EMI on its due date. Upon an Event of Default:
a) The Lender may charge a penal interest of [Penal Interest Rate]% per annum on the overdue amount.
b) The Lender shall have the right, by giving written notice to the Borrower, to declare the entire outstanding Loan amount, along with accrued interest, immediately due and payable (Acceleration Clause).
c) The Lender shall have the right to liquidate the security/collateral to recover the outstanding dues.

**6. GOVERNING LAW AND JURISDICTION**
This Agreement shall be governed by and construed in accordance with the laws of India. The Courts in [City, State] shall have exclusive jurisdiction to adjudicate any disputes arising out of or in connection with this Agreement.

**7. ENTIRE AGREEMENT**
This Agreement constitutes the entire agreement between the Parties and supersedes all prior oral or written agreements, understandings, or arrangements.

**IN WITNESS WHEREOF,** the Parties have executed this Agreement on the date first above written.


**LENDER:**
_________________________
([LENDER'S FULL NAME])


**BORROWER:**
_________________________
([BORROWER'S FULL NAME])


**WITNESSES:**

1. _______________________
   Name: [Witness 1 Name]
   Address: [Witness 1 Address]

2. _______________________
   Name: [Witness 2 Name]
   Address: [Witness 2 Address]

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**DISCLAIMER:** This is a template and not legal advice. It is strongly recommended to consult a qualified lawyer to draft a loan agreement specific to your needs.