Stop the harassment.
Start the settlement.
Settle Wings helps borrowers across Delhi NCR understand their options for loan settlement and push back on recovery conduct that crosses the line — calmly, on paper, and in step with RBI's Fair Practices Code.
Settle Wings is an independent advisory service. We are not a bank, NBFC, the Reserve Bank of India, or a law firm — we help you understand and use rights that already exist under RBI's guidelines for lenders and their recovery agents.
- No calls accepted before 8 a.m. or after 7 p.m. — we help you document violations.
- Every settlement discussed in writing before you commit to anything.
- Clear escalation path to your lender's nodal officer and the RBI Ombudsman.
Your case details stay between you and our advisory team.
We work for you, not your lender or its recovery agency.
Fee structure explained upfront — nothing hidden, nothing assumed.
When collection crosses the line
Lenders are allowed to pursue overdue loans. What they and their recovery agents are not allowed to do is treat you like a criminal. Under RBI's Fair Practices Code and its 2022 instructions to banks, NBFCs and asset reconstruction companies, the conduct below is considered improper.
Calls outside allowed hours
Contact for recovery is expected only between roughly 8 a.m. and 7 p.m.
Threats or intimidation
Verbal or physical intimidation, abusive language, or threatening calls are not permitted.
Third-party shaming
Discussing your debt with neighbours, employers, or family members without cause.
False representations
Misleading claims about legal consequences, or agents who won't identify themselves.
Reference: RBI's Fair Practices Code for regulated lenders, and the Reserve Bank's 2022 additional instructions on recovery-agent conduct. Guidelines are updated over time — always check the current circular on rbi.org.in, and treat this page as a plain-language summary rather than the primary source.
What you're entitled to, in plain terms
Verified identity
Any recovery agent contacting you should be able to show authorisation from your lender and identify themselves clearly.
Reasonable hours
Recovery calls are expected within normal daytime hours — not late at night or before your day begins.
No public shaming
Your outstanding dues are a matter between you and your lender — not something to be aired to your neighbours, colleagues, or extended family.
Respectful conduct
No threats, abuse, or intimidation — verbal or physical — regardless of how overdue the account is.
A written trail
You can ask for communication in writing and keep records of every call, message, and visit for your own protection.
Right to escalate
Unresolved harassment can be raised with your lender's internal grievance officer, and then with the RBI's Integrated Ombudsman Scheme if it isn't resolved.
A structured, documented path — not a shortcut
We don't promise to make a debt disappear. We help you negotiate from a position of information, and put improper conduct on record.
Confidential review
Share your loan details and a record of communications so far.
Structured negotiation
With your written authorization, we engage your lender or ARC on settlement terms, and formally flag any conduct that breaches the Fair Practices Code.
Written settlement plan
You see the full terms — amount, timeline, and effect on your credit report — before agreeing to anything.
Closure & follow-through
Confirmation of closure, plus support if contact resumes after the fact.
Before you reach out
Is loan settlement actually legal in India?
Yes — a one-time settlement (OTS) is something your lender can choose to offer at its own discretion; it isn't something a borrower can force through. Settling usually means paying less than the full outstanding amount in exchange for the account being marked "settled" rather than fully repaid.
Will settling affect my credit score?
Generally, yes. Accounts marked "settled" (rather than "closed") are typically flagged on your credit report for a period and can affect future borrowing. We walk you through this trade-off before you decide anything.
Can you stop the calls immediately?
We can't switch off a lender's systems. What we can do is help you formally document improper conduct and escalate it through the right internal and regulatory channels — which is often what actually changes behaviour.
Do I need a lawyer instead?
Settle Wings is not a law firm and this isn't legal advice. If you've received a legal notice, summons, or are facing a court matter, that needs an independent advocate — we can help you recognise when that point has been reached.
What does Settle Wings charge?
[EDIT: describe your actual fee model here — e.g. flat consultation fee, percentage of savings, or retainer — before publishing this page.]
Is my information kept private?
See our full Privacy Policy below for exactly what we collect, why, and how long we keep it.
Talk to us in confidence
Tell us a little about your situation. A real person reviews every submission — nothing here is automated decision-making.
- 📞 +91 72900 03667
- ✉️ settlewings@gmail.com
- 📍 New Delhi, India [EDIT: full registered address]
Disclaimer
Settle Wings is an independent, private advisory service. We are not a bank, non-banking financial company (NBFC), the Reserve Bank of India, a government body, or a law firm, and we are not affiliated with or endorsed by any of them.
No guarantee of outcome
Loan settlement is offered entirely at a lender's discretion. Nothing on this site is a promise that any specific lender will agree to a settlement, waive any amount, or stop contacting you. Every case depends on your lender's policies, your loan agreement, and your individual circumstances.
Not legal or financial advice
Content on this site is general information, not legal, tax, or financial advice for your specific situation. For legal notices, court proceedings, or matters requiring representation, please consult an independent, licensed advocate.
Credit impact
Settling a loan for less than the full amount is typically reported to credit bureaus and may affect your credit score and future eligibility for credit for a period of time. Please weigh this before proceeding.
Regulatory references
References to RBI guidelines, the Fair Practices Code, or the Banking Ombudsman framework are summarised in plain language for ease of understanding. They may be updated or superseded by the Reserve Bank of India from time to time; always refer to the current circulars published on rbi.org.in as the authoritative source.
Your responsibility
You remain responsible for your loan obligations until a settlement or repayment is formally documented and accepted in writing by your lender. Do not stop payments or ignore communications based solely on information from this website.
Privacy Policy
This policy explains what we collect through this website and why, in line with India's Digital Personal Data Protection Act, 2023 and the DPDP Rules, 2025.
What we collect
- Information you submit through the contact form: name, phone number, email (optional), city, loan type, and any message you write.
- Standard technical logs (such as IP address and browser type) kept by our hosting provider for security purposes.
Consent and why we collect it
We process this information only after you tick the consent box on the form, solely to respond to your enquiry, assess whether we can help with your case, and contact you back on the details you provide. You may withdraw consent at any time by writing to us; this won't affect any settlement discussions already in progress on your instructions. We do not use this information for automated decision-making or for advertising.
How it's stored
Enquiry details are stored in a restricted-access database on our hosting infrastructure and are visible only to authorised Settle Wings staff. [EDIT: state your actual retention period, e.g. "for up to 24 months after your case is closed, then deleted," and align it with the DPDP Rules' retention guidance for your sector.]
Sharing
We do not sell your personal information. We may share relevant details with your lender or its grievance/nodal officer only where you've asked us to represent your case, and only to the extent necessary.
Your rights as a Data Principal
Under the DPDP Act, you may ask us to access, correct, update, or erase the personal data you've submitted, and to know who else we've shared it with. You may also file a grievance with us directly, and if unresolved, escalate it to the Data Protection Board of India. Contact our Grievance Officer at settlewings@gmail.com. [EDIT: name a specific Grievance Officer here once your team structure is finalised, as the DPDP Rules expect a named contact, not just a generic inbox.]
Cookies
This site uses only the minimal session cookie required to keep the contact form secure (to prevent spam and cross-site request forgery). It is deleted when you close your browser and is not used for tracking or advertising.
Terms of Use
- This website is for general information about loan settlement and borrower rights in India and does not constitute a binding offer of services.
- Any engagement with Settle Wings beyond an initial enquiry will be governed by a separate written agreement setting out scope, fees, and responsibilities. We will not contact your lender on your behalf without your explicit written authorization.
- All applicable fees will be disclosed in writing before you are asked to pay anything. [EDIT: state your actual fee-collection terms — e.g. no advance lump sum before a settlement offer exists — since upfront-fee practices in this industry attract regulatory and consumer-forum scrutiny.]
- You agree to provide accurate information when contacting us and not to use this site's form to submit false, harmful, or unlawful content.
- We may update these terms, the Privacy Policy, or the Disclaimer from time to time; the version published on this page at the time of your enquiry applies.
- [EDIT: add your preferred governing law / jurisdiction clause, e.g. "These terms are governed by the laws of India, subject to the jurisdiction of the courts of [city]."]