[forum456]

If your poor relative knows you live in a bungalow, drive a BMW and earn a substantial pay as a professional, but goes around telling others that you are a scammer, corrupt and dishonest, isn't that talking bad about you? 

in this case, this is talking bad and you can sue the person for defamation because there is no such thing

if the person says you are stingy or materialistic, it is not talking bad, just negative comments or personal opinion

another example is someone says you are ugly, this is not talking bad. it is a personal opinion.