How First72 works
Five things we want you to understand before you pay us anything: what we draft, what we don't do, why the 72-hour window matters, who we are, and answers to the questions we get most often.
What we draft
When you complete paid intake, our drafting team produces a single PDF package with five documents inside:
1. Bank dispute letter.
Addressed to your bank's nodal officer by name and email, citing the in-force RBI customer-liability circular, structured to the bank's required format. This is the highest-leverage filing in your case and goes first.
2. 1930 complaint script.
The exact narrative to give the operator when you call the National Cybercrime Helpline. Includes every detail the operator will ask for, in the order they will ask for it.
3. cybercrime.gov.in submission text.
A clean, structured narrative you copy-paste into the National Cybercrime Reporting Portal, in the format that minimises rejection.
4. FIR-ready narrative.
A single-page summary you carry to your local police station. Written so the duty officer can read it in under two minutes and register the FIR.
5. A one-page filing guide.
What to file, where, in what order, by when.
On the Escalation tier, a sixth document is held in reserve: your RBI Banking Ombudsman appeal, released and updated if your bank misses its statutory response window.
What we don't do, and why
We do not file on your behalf.
You submit using your own credentials, from your own devices. This is deliberate. Any service that submits on your behalf is operating in legal grey space and may be exposing you to further risk.
We do not represent you in court.
We are a procedural advisory service. If your case needs litigation, we hand you to a vetted lawyer in our network and step back.
We do not guarantee fund recovery.
Recovery is the bank's decision, not ours. We guarantee the procedure: correct format, correct citation, correct channel, correct timeline.
We do not take a percentage of what you recover.
Ever. We charge a flat fee, on the page, before you pay.
We do not store your card details.
Razorpay processes the payment securely; we never see your card number, and we do not save it for "next time" because there is no next time built into our service.
We do not pressure you, ever.
No countdown timers (other than the real regulatory clock on your case). No "act now" copy. No upsells while your case is in flight.
Why 72 hours
The Reserve Bank of India publishes a customer-liability framework for unauthorised electronic banking transactions. The framework is technical, but the practical effect is straightforward:
If you report an unauthorised transaction to your bank within three working days, your liability is generally zero on most categories of digital fraud. Your bank is required to refund the amount and resolve the case within timelines specified by the regulator.
If you report it between four and seven working days, partial liability may apply. The amount you can claim back narrows.
If you report it after seven working days, the framework offers fewer protections. Recovery is still possible, but through harder channels — the Banking Ombudsman, consumer forums, or civil litigation.
The window is real. Most victims never hear of it until it has closed.
Who we are
First72 is a small team of banking-grievance specialists, drafting specialists, and case managers. Our full team, including our retained legal advisor, lives on /about. We are not a law firm. We do not employ lawyers as drafting staff.
If you want to verify us before you do anything else — please do. Search for First72 in the press. Call us at +91 72000 72000. Email us at first72.in@gmail.com. Read the four Trust Contract promises in full on /trust.
Questions we get most often
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.
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.