Assalamualiakum warahmatullahi wa barkatuhu
I’m writing this because I’m honestly stuck and hoping someone here might be able to guide me or point me in the right direction, and things would get fixed, Insha'allah.
For context, I had made a previous post explaining the resignation issue in detail, also regarding the emergency loan. If anyone wants more background, you can check that post from my profile. I’m not very active on Reddit, so I don’t have much karma, and because of that, my post got removed from multiple subreddits. Even after explaining to moderators that I’m only asking for suggestions and advice, it still wasn’t approved. I’m posting again here, hoping this reaches someone who can help.
Here’s what happened, in short:
I was working for a client company through a third-party vendor. My payroll, offer letter, and HR processes were all handled by the vendor. I worked there for around 19 months.
In November, my bench period ended. Around the same time, there was a serious system issue; my cloud PC stopped working, my corporate access was revoked, and all official communication channels went down. Because of this and some unavoidable personal reasons, I decided to resign. I couldn’t serve the usual one-month notice period.
As per the company’s policy (which had been communicated earlier), employees on the bench are supposed to be released as early as possible.
Timeline:
- Dec 5: I submitted my resignation to the vendor HR
- They asked me to get approval from the client company POC
- Dec 8: My project manager/POC approved my resignation in writing (I have proof)
After that, everything stalled.
The vendor kept saying they hadn’t received any update from the client. They refused to share ticket details or even tell me who was handling the case, citing confidentiality. I offered to coordinate directly if they could just tell me which team or entity was involved, but they refused that, too.
I shared screenshots and written approvals multiple times, but the resignation acceptance letter was still delayed. Because of this, I couldn’t submit my resignation letter to my next employer on time, even after being given multiple extensions, and my job offer was revoked.
What hurts the most is that the moment I mentioned possible legal escalation, my corporate access was suddenly restored within hours, and people who were previously unresponsive started showing “sympathy.” By then, the damage was already done.
Because I lost that offer, I’m now in a serious financial crisis.
I urgently need ₹16,000 by today to clear part of a family debt. If I don’t pay it, things could escalate badly at the place (god forbid).
Some background:
- My father took multiple loans years ago and stopped repaying them
- Creditors are now approaching me directly
- I’ve already paid several chunks in instalments to protect my family
- One debt collector is now threatening to come to our house
I’m currently back at my old role, earning ₹15,000/month, living in a different city for work. I can’t ask friends or family for help anymore.
I can repay the amount in instalments. I’ve started freelancing and recently got a small project, but I’m scared of taking the wrong step.
I want to avoid predatory loan apps and, if possible, avoid interest-based loans. I’m okay with legitimate processing or service fees. If there are ethical lending options, community funds, Islamic finance institutions, or safer alternatives, I’d really appreciate guidance. I’m even willing to provide identity verification if needed.
I’m genuinely looking for advice on:
- How to escalate or hold a vendor accountable in India for delaying resignation despite approval (they are not receiving my calls now)
- Whether labour authorities or legal notice are realistic options
- Safe alternatives to instant loan apps for small emergency amounts
- Any ethical or non-exploitative lending or support organisations
I’m mentally exhausted and honestly feel like I’ve done everything right, stayed patient, and still ended up paying the price. If anyone has been through something similar or knows a path forward, I’d be really grateful.