Harassment by private lender

Querist : Anonymous (Querist) 21 January 2020 This query is : Resolved
I took a loan from a private lender and paid back with hefty interest. The amount I paid as interest is more than 50% for a few months. The lender continues to harass me. How can I take it legally?

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Querist : Anonymous (Querist) 21 January 2020
I have details of the conversations

SHIRISH PAWAR, 7738990900 (Expert) 21 January 2020
Dear querist,

You can approach local police station for harassment caused by money lender. It is advisable to take advocates assistance before filing complaint.

Regards,

Message likes : 1 times

Querist : Anonymous (Querist) 21 January 2020
Should I talk to a cyber cell or normal police station?

Querist : Anonymous (Querist) 21 January 2020
Is there any limit on charging interest?

Guest (Expert) 21 January 2020
Evidence and Proof is mandatory for the complaints of harassment .

Guest (Expert) 21 January 2020
Even for harassment over phone local Police would handle and if any confirmation is required the local police would contact the Cyber Cell

Guest (Expert) 21 January 2020
Well advised by Advocate Mr.Shirish Pawar

Sudhir Kumar, Advocate (Expert) 21 January 2020
what do you term as harassment.

Querist : Anonymous (Querist) 21 January 2020
He is threatening to something illegal. I already paid what he asked. He is more like a psycopath, sometimes just call me and threaten.

kavksatyanarayana (Expert) 21 January 2020
Consult local experienced lawyer and got prepared the complaint and file it in Police Station.

Sb Karma (Expert) 22 January 2020
keep all call records...and contact local police with assist of local lawyer...then they will validate all call records via cyber cell...so ASAP file a complaint against him to the police.

Sudhir Kumar, Advocate (Expert) 23 January 2020
threatening legal action is no harassment.

Guest (Expert) 23 January 2020
Mr.Sudhir Kumar --Deputy Director Would you Please Legally Justify Justify your Statement that " Threatening Legal Action not a Crime "

Guest (Expert) 23 January 2020
Any one could legally initiate legal action with out making any harassment or threat regarding the same

Guest (Expert) 23 January 2020
Threatening to initiate Legal action in fact would amount to Harassment

Querist : Anonymous (Querist) 23 January 2020
All my conversations are polite or asking facts, while his conversations are mostly threatening. Are there any limits on the interest they can charge?

Querist : Anonymous (Querist) 23 January 2020
Also, part of the conversation happened when he was abroad. I haven't taken legal action yet as I was thinking it can end amicably. But seems like I should talk to lawyer and police soon.

Sb Karma (Expert) 24 January 2020
Yes ASAP consult lawyer and police.

T. Kalaiselvan, Advocate (Expert) 05 February 2020
If the interest charged is exorbitant, a complaint with the police about extortion or charging of exorbitant interest may be given along with harassment charges.
A legal notice may also be given through your lawyer seeking to curb this menace of charging exorbitant interest under the provisions of prevention of exorbitant interest act.

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