Summary
Banks are not legally bound to stop recovery agent visits upon request, but they must follow RBI guidelines and address harassment complaints. To avoid visits, send a written request to the bank and recovery agency, stating your preference for email communication. If the bank does not comply, you can escalate the issue to the Banking Ombudsman. Reasons for requesting no physical visits can include personal safety, privacy concerns, work schedule constraints, or health issues.Full Conversation
I want to ban recovery agent collection and only reply on emails
To address harassment by recovery agents and request communication only via emails, you can follow these steps:
- Send a Written Request: Send a formal letter to the bank and the recovery agency requesting that all communication be conducted via email.
- File a Complaint with the Bank: Inform the bank about the harassment and your communication preference.
- Approach the Banking Ombudsman: If the bank does not comply, file a complaint with the Banking Ombudsman.
Would you like more details on any of these steps?
There is no Harrassment but i want peace eith no recovery agent visit
To ensure that recovery agents do not visit you and communicate only via email:
- Send a Written Request: Write to the bank and the recovery agency, requesting communication only through email.
- Contact the Bank: Inform them of your preference for email communication.
- Banking Ombudsman: If the bank does not comply, approach the Banking Ombudsman for resolution.
Would you like more detailed guidance on any of these steps?
Is it legally binding on banks
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To address your concern about whether banks are legally bound to comply with your request to stop recovery agent visits and communicate only via email:
- Banks are not legally bound to comply with such requests, but they are required to follow RBI guidelines and address harassment complaints.
- You can escalate the issue to the Banking Ombudsman if the bank does not address your concerns.
Would you like more information on how to approach the Banking Ombudsman?
I don't want to register complain but don't want any recovery agent visit
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To avoid recovery agent visits without filing a complaint:
- Send a Written Request: Formally request the bank and recovery agency to communicate only via email.
- Contact the Bank: Inform the bank of your preference for email communication.
Would you like more information on how to draft the written request?
Yes
Case Rating: *
To draft a written request to the bank and recovery agency:
*. Subject: Request for Communication via Email Only
*. Content:
- State your account details.
- Clearly mention your request for no physical visits.
- Provide your email address for further communication.
Would you like a sample template for the written request?
What would be the reason for no physical visit
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If you want to state a reason for requesting no physical visits, you can mention the following in your written request:
- Personal safety and privacy concerns
- Preference for documented communication
- Work schedule constraints
- Health reasons
Would you like a sample template for the written request including these reasons?
What health reasons
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For health reasons, you can mention:
- Chronic illness or medical condition
- Mental health concerns such as anxiety or stress
- Physical disability or mobility issues
Would you like a sample template for the written request including these reasons?
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