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General Legal Query India · 31 Dec 2025 · 8 views

I borrowed ₹13 lakhs from an investor under a written agreement. Later, he gave another ₹17 lakhs without any agreement. Under threats, he forcibly took a ₹30 lakh cheque from me. I have already repaid ₹18 lakhs in total (₹16 lakhs directly and ₹2 lakhs extorted through his men who threatened my family). He is deliberately misusing the same cheque by repeatedly bouncing it and threatening to file cases, though he has not filed any case in 8 months. I have call recordings and messages proving threats, extortion, and coercion. When I approached the police earlier, he softened his stance and requested not to involve his father.I am 6 months pregnant with twins, under severe mental stress. Today he again contacted me asking for my home address, claiming he wants to send a legal notice and threatening media exposure. I fear continued harassment, extortion, and misuse of legal process.He sent a collection agent who threatened us and exorted money from us. After the police complaint, he stopped sending that man. But can it be used against him?

RA Asked by Ragini Kishor Divekar from India

Legal Information

Below is a comprehensive legal analysis based on Indian law for your question.

I am sorry to hear about the tough situation you are facing. Based on the information provided, it appears that you are a victim of extortion, threats, and harassment by the investor. Here's how the Indian laws could help you in this situation:

1. **Extortion, Threats, and Harassment:** The acts of the investor in threatening and extorting money from you, as well as harassing you, are serious offenses under Indian law. These actions are punishable under various sections of the Indian Penal Code, such as Section 383 (extortion), Section 506 (criminal intimidation), and Section 499 (defamation).

2. **Cheque Bouncing:** If the investor is deliberately misusing the cheque given by you and repeatedly bouncing it, it is a violation of the Negotiable Instruments Act, which is a criminal offense in India. You may take legal action against him for such wrongful practices.

3. **Evidence:** Your call recordings, messages, and any other evidence you have documenting the threats, extortion, and coercion can be crucial in proving your case against the investor. These pieces of evidence can be presented in court to support your claims.

4. **Police Complaint:** It's good that you have already approached the police regarding this matter. You should consider providing them with all the evidence you have and request them to take necessary action against the investor for his unlawful activities.

5. **Civil Remedies:** Apart from criminal actions, you may also consider seeking civil remedies such as obtaining a restraining order against the investor to prevent further harassment and threats.

6. **Protection of Women:** As you mentioned being 6 months pregnant and under severe mental stress, it's important to highlight that Indian laws provide protection to pregnant women against any form of harassment or violence. You should also inform the authorities about your vulnerable condition.

7. **Continued Harassment:** If the investor persists in harassing you despite police involvement, you can inform the police about his recent contacts and threats. Continued harassment can be considered as further evidence against him.

Remember, it's essential to seek legal assistance from a qualified lawyer who can guide you through the legal process and help you in taking appropriate actions to protect your rights and interests in this situation.

Disclaimer: AI-generated for educational purposes only. Does not constitute legal advice. Consult a qualified practitioner.