A Saket loan app sent my morphed photos to my contacts after I defaulted on a small loan. Can I take action?
SU Asked by Sunita Reddy from India
Quick Answer
File an FIR at the cyber crime police station in Saket under Section 66E IT Act, 2000 (violation of privacy), Section 67 IT Act (obscene publication), and Section 111 BNS, 2023 (extortion).
Detailed Legal Analysis
File an FIR at the cyber crime police station in Saket under Section 66E IT Act, 2000 (violation of privacy), Section 67 IT Act (obscene publication), and Section 111 BNS, 2023 (extortion). The RBI has warned against unauthorised digital lending apps; many operate illegally and violate the SPDI Rules, 2011.
Report the app on the National Cyber Crime Reporting Portal and to the Google Play Store for removal. Preserve all messages, call recordings, and contact harassment evidence under Section 63B BSA, 2023.
Complain to the bank to freeze the lender's account. If police do not act, approach Delhi High Court under Article 226 for a writ.
Check Delhi Rent Control Act 1958 for any state regulation of moneylenders or digital lending.
Legal Provisions Referenced
Verify the current statutory text at India Code (the official repository of Indian legislation) or the Legislative Department. This answer is general legal information, not advice on your specific matter.
Disclaimer: AI-generated for educational purposes only. Does not constitute legal advice. Consult a qualified practitioner.