Terms & Refund Policy

Please read these terms carefully before making a payment.

In short: we do not offer refunds. Once you have enrolled in a membership or service, made the payment, and our service has started, the fee is non-refundable from day one. Baap of Recovery may cancel any service at any time without giving a reason (section 5).

1. Our services

Baap of Recovery (“BOR”, “we”) provides paid consultation and support for people facing loan and credit card debt — including recovery agent harassment support, call forwarding, legal notice and court summon support through our panel advocates, settlement letter verification, and settlement negotiation with banks and NBFCs.

We are not a bank, NBFC or lender. We do not give loans, and we do not pay your loans on your behalf. We negotiate with your lenders to settle your debt.

2. Plans & fees

  • BASIC — CONSULTATION PLAN — ₹499 / Monthly
  • SILVER — HARASSMENT PLAN — ₹999 / Monthly
  • Gold — SETTLEMENT PLAN — ₹1299 / Monthly
  • Legal Notice Reply — Notice Reply 4-5 Days — ₹999 / Per Notice
  • Legal Notice Reply — Notice Reply 1 Hour — ₹1499 / Per Notice

The features included in each plan are listed on our home page. Monthly plans are charged per month of service. Complete Case Handling clients sign a separate service agreement, which also provides for a settlement success fee — a percentage of the principal outstanding of each account settled through us (the percentage is stated in the client’s agreement), payable after the settlement result unless the agreement says otherwise. Delivery times for legal notice replies (4-5 days or 1 hour) start after your payment is confirmed and you have shared the notice and required details with us.

3. Payments

  • Pay only to the official UPI IDs or QR code shown on our Pay Now page.
  • After paying, submit your UPI transaction ID on the Pay Now page, or send the payment screenshot on WhatsApp at 7718970312.
  • Your service starts after we verify the payment. Within 1-2 hours of verification, a dedicated expert is assigned to your case.
  • We will never ask for your UPI PIN, OTP, card details or bank passwords.

4. Refund policy

All fees are non-refundable. Once you have enrolled in a membership or service, made the payment, and our service has started, no refund is given — from day one — whatever the outcome of your case and whether or not you continue to use the service.

If you pay by mistake more than once for the same plan, contact us with all transaction IDs within 7 days so we can review it.

5. Cancellation of service

  • By you: you may stop using any membership or service at any time by WhatsApp or email. Fees already paid are not refunded (section 4).
  • By us: Baap of Recovery has the full and absolute right (100%) to cancel, suspend or discontinue any membership, service or agreement at any time, at its sole discretion, with or without giving any reason, by a WhatsApp message or email to you. We are not required to explain or justify the decision, and no reason, explanation or discussion will be provided after cancellation. On cancellation, our case handling, call handling, WhatsApp group and expert support for you stop, and the fee for the month already started is not refunded.
  • Automatic cancellation: monthly memberships and the Complete Case Handling agreement are cancelled automatically, with an email to you, if the monthly fee is not paid within 7 days of its due date even after reminders.
  • Starting again after a cancellation: a membership can be taken again by paying the plan fee on the Pay Now page (a new membership from that date). The Complete Case Handling agreement restarts only after you pay, in advance, one additional month's fee as a security advance in addition to the fee for the restart month — that is, two months' fee before the restart — and a fresh agreement is sent. Restarting is at our discretion.
  • Call forwarding: if your calls were forwarded to our number, you must remove the call forwarding within 3 days of the service ending (dial ##002#, or Settings → Calls → Call forwarding → off). After the service ends you have no consent or authority to divert calls to our number; if it is not removed we may complain to the National Cyber Crime Reporting Portal (cybercrime.gov.in / 1930) and your telecom operator and take legal action at your cost.
  • Without limiting our right above, examples of conduct that will lead to cancellation: abusive, threatening or defamatory behaviour towards our team or advocates; false or incomplete information; paying recovery agents or lenders, or agreeing a settlement, without informing us; publishing or sharing our advice, drafts, chats or call recordings; non-payment of fees.

6. Your responsibilities

  • Give us true, complete and up-to-date information about your loans, lenders, notices and situation. You are responsible for any loss that results from false, incomplete or late information.
  • Share documents we ask for on time, and tell us quickly about any new notice, summon or call.
  • Arrange the settlement funds yourself when a settlement offer is agreed. Settlement amounts are paid by you directly to your lender — never to us. Do not pay any recovery agent, and do not agree to any settlement, without first informing us; we are not responsible for payments you make to anyone.
  • Keep our advice, drafts, templates, chats and call recordings confidential and use them only for your own case. The service is personal to you and cannot be transferred to anyone else.
  • You must be 18 years or older to use our services.

7. Results and timelines

Every case is different. Settlement amounts and timelines depend on your lenders, your accounts and your situation. Usually it takes around 6 to 9 months for an account to become eligible for settlement. A settled account is reported to credit bureaus as “Settled” and affects your CIBIL score; our experts will guide you on steps to rebuild it.

We make our best efforts but do not guarantee any particular settlement amount, timeline or result, or that a lender will not take legal action. We are not responsible for any action taken by a lender, recovery agent, court, credit bureau or other third party. Our total liability to you, if any, is limited to the fee you paid for the month in which the claim arises.

8. Other terms

  • Your personal data is handled as described in our Privacy Policy.
  • We may update these terms. The version on this page at the time of your payment applies to that payment.
  • These terms are governed by the laws of India.
  • Questions? Email allen@baapofrecovery.com or WhatsApp 7718970312.