Practical Guides
— practical action guides
Step-by-step guides for problems in India, each with a weekend action plan, a documents checklist, a copy-paste complaint template, an escalation ladder and an honest note on when RTI helps and when it does not.
ATM dispensed short cash but debited you? Recover it
ATM debited your account but gave short or no cash? Note the ATM details, let the auto-reversal run, raise a dispute, then escalate to the RBI Ombudsman.
Bank Credited You Twice and Now Demands the Money Back
Bank credited the same amount twice and now wants it back? Learn the safe steps, what to put in writing, and where RTI helps if it is a public-sector bank.
Bank refuses your survivorship claim on a joint account?
Surviving joint holder but the bank won't release the balance? Use your survivor mandate, escalate to RBI, and learn when an RTI actually helps.
Cash withdrawal shows on your account but you never withdrew it
Your bank statement shows a cash withdrawal you never made. Dispute it fast, claim limited liability, escalate to the RBI Ombudsman, and use RTI for logs.
Closed loan still showing active in your credit report
Loan paid off but still showing active or open in your credit report? Use your closure NOC to raise a bureau dispute, escalate to the lender, then RBI.
Credit card shown as 'written off' despite payment
Card marked written off but you paid the dues? Use your statement and NOC to raise a free bureau dispute, push the issuer, then escalate to the RBI Ombudsman.
Credit score dropped after a bank reporting error
Score fell after a bank or lender reporting mistake? Find the wrong entry, raise a free bureau dispute, push the lender, then escalate to the RBI Ombudsman.
Duplicate debit in your savings account: get the extra amount reversed
Charged twice for one payment from your savings account? Follow this step-by-step plan to report it, escalate to the RBI Ombudsman, and recover the extra debit.
ECS Mandate Still Debiting After Your Loan Is Closed
Loan closed but ECS or NACH auto-debit still pulling your EMI? Cancel the mandate at your bank, claim a refund, and escalate to the RBI Ombudsman.
Education loan wrongly reported as overdue
Your education loan shows overdue while still in moratorium or already paid? Prove the repayment terms, raise a free bureau dispute, push the lender, then RBI.
Fixed deposit closed before maturity without your request
Bank broke your FD before maturity without permission? Demand reinstatement and lost interest, escalate to the RBI Ombudsman, and use RTI at PSU banks.
Guarantor wrongly shown as borrower in your credit report
Your credit report names you as the borrower when you only stood as guarantor? Prove your real role with the loan agreement and raise a bureau and lender dispute.
India complaint and RTI action guides for banking, insurance, property, tax and documents
Plain-English India complaint guides for bank freezes, insurance claims, property records, tax/GST notices, jobs, documents and RTI escalation routes.
Loan Settled But the NOC Has Not Been Issued
Paid or settled your loan but the lender will not issue the No-Dues Certificate? Demand the NOC in writing and escalate to the RBI Ombudsman.
Pension Credited to the Wrong Bank Account: What to Do
Pension paid into the wrong bank account? Trace the credit, fix the mandate, recover the money and use RTI for proof. Step-by-step remedy for India.
Personal loan duplicated in your credit bureau report
One personal loan showing twice in your credit report inflates your debt and score damage. Prove both entries are one loan, dispute it, then escalate to RBI.
Recovery Calls Continuing After You Settled the Loan
Settled your loan but recovery agents still call and threaten? Get the settlement letter, log every call, and escalate to the RBI Ombudsman to make it stop.
Standing instruction not cancelled despite your request
Your bank keeps auto-debiting a standing instruction after you asked to cancel it. Stop the mandate at source, claim a refund, escalate to the RBI ombudsman.
Unknown enquiry showing on your credit report
Spotted a hard enquiry you never made on your credit report? Learn to trace the lender, confirm no application, raise a bureau dispute, and report fraud.
Wrong Address Showing in Your CIBIL Credit Report
Wrong address on your CIBIL or other credit report? Raise a bureau dispute, correct KYC with the lender, and escalate to the RBI Ombudsman. Step-by-step fix.
Wrong nominee registered in your bank account? How to correct it
Bank registered the wrong nominee on your account? Correct it fast with the right nomination form, escalate to the RBI Ombudsman, and use RTI for PSU banks.
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