A tenant has taken loans from onlineapps & not paying them

CSJ (Querist) 24 December 2024 This query is : Resolved
Hi, Am Shekhar, a resident of Hyderabad City.We have a own house and it has two portions - ground floor -1BHK portion and first floor- 2BHK portion.We stay in 2BHK first floor and have rented out the ground floor 1BHK portion for a small family-wife,husband and a kid.Recently the tenant family has vacated the portion in March 2024 after staying for nearly 1.8 years from August 2022.After their exit, we got to know that the tenant person has availed some personal loans through some online apps, used some credit cards for personal use and is not paying them since the time he vacated from our house from April 2024. Very recently he has switched off mobile and all these recovery agents have started visiting our house.They mentioned that these loans and credit cards were taken by using our house address as his present address. Even I tried to reach him and number is in switched off mode.We are worried that due to his non-payment of loans, will there be any legal issues to us and our house.The house is registered on my mother's name and she is very much worried due to frequent enquiries from these recovery agents visiting our house.We have been informing them that the person has vacated from our house but still some or other person is coming at regular intervals reepatedly.Please help us with the best legal solution or remedy for how to proceed on this issue.

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A landlord in Hyderabad is seeking advice after a former tenant, who lived in their rented property for 1.8 years, has defaulted on several online loans and credit card payments. The tenant used the landlord's address for these applications and has since vacated, switching off their phone. Recovery agents are now frequently visiting the landlord's home, causing distress. The landlord is concerned about potential legal repercussions for their property, which is registered in their mother's name, and wants to know how to legally address the situation and deter the recovery agents.

T. Kalaiselvan, Advocate (Expert) 24 December 2024
You can be strict with the recovery agents and inform them that the borrower was a tenant and he left the premises after the termination of rental agreement and his whereabouts are not known after he left the premises.
You can warn the recovery agents of legal action through police if they again come and disturb you.

kavksatyanarayana (Expert) 24 December 2024
Yes. You put a board on the main gate of your building that " so and so the person who was on rent vacated the house and we have no connection with him. You can complain against the recovery agents if they frequently disturb you.

Sudhir Kumar, Advocate (Expert) 25 December 2024
Agreeing with above views I will add that given facts indicate that you are neither loanee nor guarantor. You appear to be a total stranger to the deal. You had no liability to help them trace the person.

You may kindly meet a lawyer and send notice to the banking companies whose money your tenant has swindled,

Thereafter call 100 each time any such agents visits you.

Beware : These recovery agents will trouble you to the maximum unless you behave tough.

Dr. J C Vashista (Expert) 25 December 2024
You are not responsible for such action(s) of your previous tenant who didn't seek your consent for any loan while staying in your house.

Sudhir Kumar, Advocate (Expert) 27 December 2024
You should not have even tried to reach him.

P. Venu (Expert) 03 January 2025
You are not liable for the loan availed by the former. You may serve a legal notice upon the Bank/Financial Institution concerned.

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