My car loan is paid off, but 3 payments bounced. I need time to repay, but the bank recovery people are harassing me. Who can I complain to about this?

You can complain to the Banking Ombudsman about the bank’s recovery practices. The Banking Ombudsman is an independent authority that handles complaints against banks. You can also file a complaint with the Reserve Bank of India (RBI) if you are not satisfied with the Ombudsman’s decision.