Vijayawada: Waking up to harassment by online money lenders, AP Police flagged 30 problematic e-loan apps and issued detailed standard operating procedures (SOPs) to deal with the people resorting to illegal means.

List of SOPs; whom to contact when facing harassment

1. Misbehavior towards women customers

Contact local police under IPC and Grievance Redressal officer under 2 A (VI) of Master Circular- Fair Practices Code RBI/2015-16/16

2. Collecting money without using payment gateways

File a case with the local police or register a complaint with RBI complaints ombudsman

3. Sending fake FIR's, letters and creating threat towards customers

File a case under the relevant provisions with the local police

4. Play store developers failed to remove the unauthorized applications

Contact local police, who would then approach relevant authorities to notify the removal of such apps

5. For collecting a high rate of interest

Complaints can be sent to the RBI ombudsman regarding the high-interest rate

6. Acts which led to suicide

A case may be registered under section 306 at the local police station

7. Fake application portrayed as genuine apps in Google play store

A case can be filled at the local police station and they can notify Google of the fake apps. Further legal action can be taken to remove it from the play store.

8. Intimidating the customer for repayment of a loan

An FIR may be filed under Section 509 of IPC at a local police station. Further, a complaint may be filed with the RBI ombudsman under Ombudsman Scheme for digital transactions, 2019.

Problematic digital instant loan applications

1) QuickCash

2) Kissht

3) LoanCloud

4) InstaRupee Loan

5) Flash Rupee-Cash Loan

6) Mastermelon

7) Cashtrain

8) GetRupee

9) ePay Loan

10) Panda

11) iCredit

12) EasyLoan

13) RupeeClick

14) OCash

15) Cashmap

16) Snapit

17) RapidRupee

18) ReadyCash

19) Loan Bazaar

20) Loanbro

21) Cash Post

22) Rupeego

23) Cash Port

24) RsRush Pro

25) Fortune Bag

26) Rupee Loan

27) Robocash

28) CashTM

29) Udhaar Loan

30) Credit Free

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