Can recovery agents attack if credit card bill is not paid? Know your rights

RBI Rules: These days a video is becoming increasingly viral on social media. In this video, some people are beating a person fiercely in a crowded market. In the video, the man’s wife is also seen with him, who is trying to intervene. It is being told that those who are beating in the video are credit card recovery agents. Who had come to recover payment from this person.

Video sparked debate
This video has sparked a strong debate on social media. Many people are raising questions on the behavior of recovery agents after watching this video. So many people are saying that the matter seems to be something else. However, in the meantime these questions are also being raised, can recovery agents really misbehave with consumers in this way? Do they have the right to raise their hands? So let us tell you what RBI has to say on this.

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RBI rules for credit card recovery
According to RBI guidelines, it is important for recovery agents, banks and consumers to keep some things in mind. So that one does not have to face any problem.

• According to RBI rules, no recovery agent can assault or misbehave with the consumer.
• The time for recovery agents to call consumers is also from 8 am to 7 pm. Apart from this, calling at any odd time is prohibited.
• Recovery agents cannot visit the consumer’s home without prior notice or information.
• Agents should have authorized documents from the bank, apart from this they should also have their ID card.
• According to RBI rules, no information of any kind about the consumer should be leaked by the bank or the recovery agents.
• Phone conversations between the consumer and the bank or between the consumer and recovery agents should always be recorded.

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What are the rights of the consumer?
If you are unable to pay your credit card bill for some reason and the recovery agents are harassing you, then you have every right to complain to them. A complaint can be lodged first with the bank and then with the police. Apart from this, the consumer can also take legal action if he is upset. If you want, you can also ask the agents to call you at a fixed time. You can also ask the agents to speak politely and have professional conversations. If they do not agree to your request then you can also complain to the bank.