"Call me, call ..." - the words of the oncepopular song by Joan Christmas hardly appeal to those who suddenly became the object of special attention of the bank who wants to return the money or a loan.
And through regular telephone reminders.
After all, the debtor is not the one whose phone began to "pick off" employees are working with the bank debt collection agency, and refusing to pay a relative.
Signing the contract, the employees of the credit departmentin advance, including by phone, trying to find anything that will help them find the client even if his offensive force majeure. These include passport details, home address, place of work, numbers of mobile and home phone numbers and addresses and phone numbers of guarantors, and even relatives. Sami customers wanting to get a loan at all costs, willing to go to meet him.
In short, banks are delegatedthe right to seek, if necessary, the debtor regularly calling his household and provoking them to family scandals to force pay. The financial institution is willing and is, with time passing all the necessary information to trace the defaulter collection agency.
Who can I call
In any typical contract states the right bankshare information about the debtor and third parties. Usually those are collection agencies, it specializes in debt collection. This item gives the agency the right to methodically to ring up not only relatives unscrupulous lender, but also colleagues.
Insistent calls to relatives who are notguarantors, the law also does not contradict. But the legal force they do not have, so fear them too. This is nothing more than an attempt to find the debtor by means of loved ones. And if the latter are willing to help the bank to restore justice, they can do this is to have no such desire - is acceptable to ask for and do not bother to turn off the phone.
Especially not considered a violation of callsrelative of the debtor's written in the contract surety. Taking responsibility for possible action who took a loan guarantor is required to understand its serious risk. After all, his brother or son may well go bankrupt or lose their jobs. And at the same time and the ability to pay for a loan or mortgage. So when he heard a voice in the tube bank representative or agency, the guarantor does not make sense naively claim that he "knew nothing".
Last acceptable if personal data suddenlyturned out in the contract, without a handwritten signature. But this is highly unlikely, as the presence during the conclusion of the contract is considered to be a prerequisite, and strictly enforced.
Enough common is the transitiondebt inherited. In the case of, for example, a bank customer's death. But calling the heir, lenders are required to take into account that he has the right not to know about the debts of a deceased relative. It is necessary to take into account the fact that a formal dialogue on the issue of inheritance, even if the phone is allowed to carry only six months after the person's death is the second part of the banking contract. But, in fact, these issues are usually resolved not by calls, but only in the court.
What should I say
Errors and even misconduct(Disclosure of banking secrecy) may become too candid phone story about bank employee contract. Moreover, the amount of the debt. The maximum that he has the right to do is politely ask the debtor to transfer the request to call back in the credit department. Another thing is that, in practice, everything happens a little differently. But collectors such ethical norms are not connected, than willingly and enjoy.
However, the most immoral and illegalis a call from a stranger pay their debt on the basis only of the fact that the debtor is a member of his family. Especially, in the categorical or insulting manner. In the language of criminal law, this is called extortion and is punished even by imprisonment. Unless, of course, it will be able to prove in court.
How to respond
Are you absolutely sure of violating bank rules"Fair play"? The words that you do not know where relatives are now living, and you do not have his phone number, not perceived? You can try to stop such an unpleasant conversation. For example, do not respond to calls. Or, on the contrary, to visit a bank office or agencies, where they are distributed regularly, and try to explain that you are absolutely unable to help them in the search for a relative. You can even write a complaint to the Central Bank. Another option is to offer the agency to send all the necessary documents by mail or go to court.
Considered effective and more aggressive wayprevent "telephone terrorism" of the bank or what happens more often, the agency - an appeal to the police. Like, you do not just call on a regular basis, and in fact have a major psychological impact, demanding the impossible. Yes, simply hinder live peacefully.