Frequently asked questions

Aren't you the same as a "recovery agent"?

No, and the differences are structural. Recovery agents promise to recover your money, take a percentage of what they get, and operate outside the regulatory framework. We promise drafted paperwork, charge a flat fee regardless of outcome, and never see your bank account.

Can you guarantee I'll get my money back?

No. Any service that does is either lying or breaking the law. We guarantee that your complaint will be drafted to regulator-grade format, cited correctly, and ready to file inside the relevant window.

Why do I have to file it myself? Isn't that the point of paying you?

Two reasons. First, filing on your behalf would change our legal posture from procedural advisory to representative service, which is regulated under the Advocates Act and unsafe for us to claim. Second, you holding the file means you stay in control — no third party can later misuse credentials.

How quickly will I get my drafted package?

Within four hours of completing paid intake, business hours, on the Standard tier. Same business day on the Escalation tier.

Is my payment secure? Where does my money go?

Payments are processed by Razorpay, India's largest payment processor, which is PCI-DSS Level 1 certified. We never see your card number, CVV, or banking PIN — those go directly from your browser to Razorpay's secure systems. We receive a payment confirmation and a transaction ID, nothing more. UPI, cards, and netbanking are all supported. We do not store payment methods for "next time"; every payment is one-time, by design.

What happens if I pay and you can't take my case?

We sometimes decline at intake — if your loss is under ₹10,000, over ₹50 lakh, or older than a year. If we decline after you've paid, we refund within 24 hours, without you having to ask. The refund processes back to your original payment method.

What if my bank refuses to refund me?

Most banks initially respond with a templated denial, often citing "Authorised but Unintended" (AbU). Our drafted package anticipates this and pre-empts it. If your bank still denies after the first round, the next step is an escalation to the principal nodal officer, then — if needed — to the RBI Banking Ombudsman.

Is my data safe with you?

Yes. Your documents are encrypted at rest, accessible only via signed URLs to your account, and retained per the Digital Personal Data Protection Act, 2023 (DPDP). You can request deletion at any time.

What if my fraud happened more than a week ago?

The strongest windows have closed, but you are not out of options. The Banking Ombudsman accepts cases for up to a year. We will tell you honestly whether our standard service is the right fit.

What if I'm not sure what kind of scam happened to me?

Start the free triage. It takes about 15 minutes, costs nothing, and ends with a clear classification of the fraud type and an immediate-action list.

Do you work with the police? Are you a law firm?

We are not a law firm. We work for you to draft the paperwork that goes to the police, banks, and regulators. We have a retained legal advisor for edge cases.

What languages do you support?

Drafted complaints are in English. Phone, WhatsApp, and email conversations with your case manager can be in English, Hindi, Tamil, Telugu, Marathi, Bengali, Gujarati, or Kannada.

Can someone else manage the case on my behalf?

Yes. At intake, we capture a "second contact" — usually an adult child or a CA — who can coordinate the case with us. We copy both of you on everything, with the affected person as the primary contact.

Is this a subscription? Will you charge me again later?

No. There is no subscription, no recurring charge, and no stored payment method. You pay a flat fee once, for the case in front of you. If that case later needs further work, that is a separate decision you make — and a separate one-time payment. We do not keep a card on file, and there is no "membership" to cancel.

How do I know you're legitimate and not another scam?

A fair question to ask of anyone in this space — ask it. We are not a law firm and we do not promise to recover your money; any service that does is the thing to be wary of. You can call us on +91 72000 72000 and speak to a person, read our four Trust Contract promises in full, see the team behind First72, and search for First72 in the press before you pay us anything. We would rather you verify us first.

What happens after my case is closed?

It ends. You keep every document we drafted and the record of what was filed. We do not put you on a mailing list, we do not send "we miss you" messages, and we do not start a recurring anything. If something new happens later and you want us again, you come back and open a new case. Your case ends when you say it does.