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The phone rings again. It has rung 19 times today. The same number. The same aggressive voice. "When are you paying?"
You know this is wrong. You know they cannot do this. But when you try to file a complaint, you are asked: "Do you have evidence?" And suddenly you realise — you have been too stressed and frightened to document anything.
This article fixes that. Here is exactly how to document recovery harassessment so your complaint succeeds.
Why Documentation Is Everything
A complaint without evidence is a story. A complaint with evidence is a case.
When you file with RBI Sachet or the Ombudsman: The lender will deny everything The regulator will ask for proof Without proof, it becomes your word against the lender's
With proper documentation: The lender's denials collapse against timestamped screenshots The regulator has specific violations to investigate The Ombudsman has a clear evidentiary basis for an award
Documentation also changes the psychology of the negotiation. When a lender receives a complaint letter that references "47 documented calls on June 3rd, 14 of which were before 8 AM, as evidenced by the attached screenshots," they know they are facing a prepared, serious complainant. Most lenders de-escalate immediately.
Your Documentation System (Set This Up Today)
Tool 1: Call Log Screenshot Protocol
Every day, at a consistent time (say, 9 PM), screenshot your full call log. Make sure the screenshot shows: The caller's number The time of each call (in your phone's local time) The duration (even if you rejected — "0:00" shows a call was made) The date
Save each screenshot with the date in the filename: "CallLog_2025_June_03.jpg"
Tool 2: The Call Register (Text Document)
Maintain a simple spreadsheet or notes document:
| Date | Time | Number | Duration | Content of Call (brief) |
|---|---|---|---|---|
| June 3 | 6:15 AM | 9XXXXXXXXX | 0:00 (rejected) | Out of hours, rejected |
| June 3 | 6:32 AM | 9XXXXXXXXX | 0:23 | "Pay now or face action" |
| June 3 | 7:45 AM | 9XXXXXXXXX | 0:00 (rejected) | Before 8 AM |
Fill this in immediately after each call, while details are fresh. This becomes your primary evidence document.
Tool 3: Call Recording
In India, you can legally record phone calls you are a participant in. Enable your phone's built-in call recorder (available on most Android phones: Call settings > Record automatically or during call).
If your phone does not have this, download a call recorder app. Keep all recordings organised by date.
What to capture in recordings: The caller's stated name and organisation (ask "Who am I speaking with and which company are you from?") Any threats Any abusive language Any misrepresentation (claiming to be police, lawyers, etc.) The time context (if they call at 6 AM, the recording timestamp shows this)
Tool 4: Message Documentation
Screenshot every recovery-related message: WhatsApp messages from the lender or agents SMS messages In-app notifications Emails
Store these in a dedicated folder on your phone or cloud storage.
Tool 5: Witness Notes
If a call was overheard by a family member or colleague, note: Their full name What they heard The date and time Their contact details (they may be asked to provide a statement)
The Evidence File: What to Have Ready Before Filing
When your evidence file is ready for complaint filing, it should contain:
Call Register — the text document showing all calls with dates, times, and content Call Log Screenshots — timestamped screenshots from your phone Recordings — organised by date (if available) Message Screenshots — all WhatsApp/SMS evidence Original Lender Complaint — your initial complaint to customer care with reference number Nodal Officer Complaint — if already filed Your KFS or Loan Agreement — showing what was agreed vs. what was done
Calculating the Violation Count
When you file, summarise the violations quantitatively:
"Between June 1 and June 10, 2025, I received 173 calls from number 9XXXXXXXXX, which I have documented. Of these, 34 were made before 8 AM (in violation of RBI's 8 AM–7 PM restriction), and 29 were made after 7 PM. On June 5, I received 31 calls in a single day. Additionally, on [date], the agent stated '[exact threatening quote]' which constitutes criminal intimidation under IPC Section 503."
This kind of specific, quantified complaint is extremely powerful. It demonstrates that you are methodical, serious, and well-prepared. It leaves no room for "we did nothing wrong."
HeyZ AI Analysis: Let Technology Do the Work
Upload your call log screenshots to SahiSujhav's Harassessment Checker. HeyZ AI will: Count total calls in your evidence Identify calls before 8 AM and after 7 PM automatically Calculate calls per day (identifying days of excessive contact) Generate a formatted evidence summary for your complaint Draft the complaint narrative citing specific RBI circular violations
This turns your raw screenshots into a professional complaint document in minutes.
Start documenting and filing with HeyZ AI's Harassessment Checker — free, no login, at www.sahisujhav.com
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