Preserve proof like bank statements, loan/billing statements, receipts, and screenshots. Raise a written complaint with customer care + grievance cell. If still unresolved, send a legal notice demanding correction, refund, and compensation.

Yes. You may demand refund/reversal of wrong debits and a corrected statement. Unreasonable delay may amount to deficiency in service.

Helpful proof includes loan agreement/sanction letter, repayment schedule, loan statement, bank statement, billing statement, receipts, emails/chats, and complaint number.

Demand rectification and a corrected statement. If errors continue, a legal notice can seek correction and relief under law.

Ask for full breakup and written justification. If charges were not agreed/disclosed, demand reversal/refund and corrected statement.

Preserve closure letter/NOC and debit proof. Demand immediate stop of deductions, refund of excess debits, and written confirmation of closure.

Demand written confirmation of cancellation and reversal of any wrongful debits. You may also request mandate cancellation through your bank as applicable.

Yes. Wrong reporting can damage your credit score. You may demand immediate correction and updated reporting to credit bureaus.

Preserve payment proofs and statements. You can demand correction, apology, and compensation for credit/reputation harm via legal notice.

Share UTR/reference number and bank statement. If still not credited, a legal notice can demand reconciliation and corrected statement.

Dispute immediately in writing and preserve statement + complaint number. If liability is wrongly imposed, a legal notice can demand reversal and compensation.

Yes. You may seek compensation for mental harassment, bounced charges, wrongful penalties, and other losses caused by incorrect billing/EMI deductions.

It is strongly recommended. A legal notice creates a formal record and often resolves the issue faster before escalation.

Usually, the notice is sent to the bank/NBFC/finance company and their grievance redressal officer. If needed, involved parties like agents/merchant/gateway may also be included.

Commonly, 7 to 15 days are provided as a reasonable deadline for refund/correction, depending on case facts and prior communications.

You may demand corrected statement, reversal/refund with interest, cancellation of penalties, correction of CIBIL reporting, written confirmation, and compensation for harassment and losses.

Zapp works simply — you fill a form to draft your legal notice using our live editor. Our senior advocate reviews it, makes corrections if required, and approves it for dispatch on official advocate letterhead.

Yes. Every notice drafted on Zapp is dispatched only after advocate review and approval. The legal notice is not considered valid for dispatch without approval.

If our advocate finds the notice invalid due to missing proof or incorrect details and rejects it, you will receive a full refund as per our policy.

You can draft your legal notice 24×7. Advocate review and dispatch is available from 9:00 am to 6:00 pm (Mon–Fri).

Most notices can be drafted in about 10 minutes using the live editor. Dispatch time depends on advocate review and approval.

Yes. Once approved and dispatched, you receive a copy/record of your legal notice as per the delivery mode selected on Zapp.

If you receive a reply, you may negotiate settlement, send a rejoinder notice, or proceed with legal action. Zapp also offers litigation support if required.

If there is no resolution after the legal notice, you may proceed to file a consumer complaint/case as applicable. Zapp can assist further depending on the service you choose.

This content is for general information only. Final drafting and dispatch is subject to advocate review. For case-specific advice, consult an advocate.