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UOnline course provider (be10x) signed me up for a loan of 20k. They didn’t tell me that I will be signing up for it. It happened when I was registering for the course (the sales guy was on call). Just after registering when I realised, I immediately asked them to cancel my registration and the loan as well.
I have been calling them ever since with the same request. They are only delaying, saying they’ll process it. It’s been almost a month.
What other legal action can I take
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LKeep all proof such as emails, WhatsApp chats, call recordings, payment details, loan documents, and screenshots showing that you requested cancellation immediately. Send a formal written email to both the course provider and the lending company demanding cancellation of the course and loan. If they continue delaying, you can file a complaint with the consumer forum for unfair trade practices and deficiency of service. You may also raise a complaint with the RBI Ombudsman/NBFC if the loan partner is a regulated lender. Avoid ignoring EMI notices because it may affect your credit score. Consulting a local consumer or cyber law lawyer can help you send a legal notice quickly.
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USigning you up for a Rs.20,000 loan without your informed consent, while a sales agent was walking you through registration, is both an unfair trade practice under consumer law and potentially a case of cheating under the IPC.
Start by sending be10x a written notice today, by email and by registered post to their registered address, stating clearly that you did not consent to the loan, that you requested cancellation immediately after realising what happened, and that they have delayed for almost a month. Give them 7 days to cancel the loan and confirm in writing. Keep a timestamped copy of everything. At the same time, write to the lending company (NBFC or bank) whose name appears in the loan documents, telling them the loan was obtained without your knowledge or consent and that you are disputing it. Most lenders have a formal dispute process and are obligated to investigate before recovery steps.
If be10x continues to delay, you have two routes. First, file a complaint with your State Consumer Disputes Redressal Commission for unfair trade practice and mental harassment, asking for cancellation of the loan and compensation. Second, if the loan was disbursed to be10x and they are refusing to return it, a police complaint for cheating is also open to you.
For the loan, also write to the RBI Sachet portal (sachet.rbi.org.in) which handles unauthorised loan complaints, and to the ombudsman of the lending institution. These escalations often move faster than consumer court.
Keep the call recording if you have it, all payment confirmations, the registration link, and every message from be10x.
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