Does the bank have the right to call debtors to work?

In our article we want to consider the problem relevant in our opinion, namely, can the bank call to work to their debtors.

When you make a loan agreement to the bank, you undertake to conscientiously fulfill your credit obligations, pay monthly payments in exactly the deadline, and put your signature. This means that you agree with all the conditions. If you stop performing your duties, banking organizations will be reminded of this situation.

Suppose you have taken your comrade a certain amount of money that he promised to give you at the end of the month. The end of the month has come, you have not seen money.

Right. Make calls, with the aim of reminding his debt. The same situation with banking organizations. Only, in addition to personal calls, debtors, banks make calls at the place of work of a citizen.

Banking organizations are always interested in returning funds that were issued. They use different methods to achieve their goal.

It may be the transfer of debt to a third party — in main collector agencies, and submitting a claim to the judicial authorities, and an attempt to negotiate with the borrower on their own. Accordingly, attempts at the psychological pressure on citizens are going to move — in order to intimidate, and faster return funds.

If everything is clear with the calls to the borrower itself, then it is more interesting with calls to work. The contract usually spelled out that the bank does not have the right to transfer personal information to third parties.

The bank has no right to voice the amount of debt, bank account number, and other information related to money. But to call your workplace, and you can get acquainted with the size of your wage and working conditions it can. There are situations when banking organizations call the debtor’s workplace, and disclosed information on his loan agreement.

According to Art. 183 of the Criminal Code of the Russian Federation for illegal disclosure or use of data that is a bank secrecy without the consent of the debtor, you can write a complaint to the court to the banking organization. For these actions, a criminal article is provided. When talking with your employer, a bank employee must strictly follow Art. 26 FZ No. 395. This article states that it is prohibited to disclose banking information.

Collectors begin to deal with customer calls, sometimes relatives and employers. Banking organizations with telephone conversations are more loyal than collector agencies. Collectors can make calls and relatives, and the debtors themselves, and employers.

Their methods are quite rigid, and sometimes illegal. It is worth remembering that when making calls, collectors must adhere to certain rules. With the arch of these rules can be found in FZ No. 230. When making calls to the place of work of the debtor, his personal bank data should not be disclosed.

With unlawful actions of employees of collector agencies, you can file a complaint against them in FSSP. Currently, they exist quite large fines, up to the deprivation of a license.

Read the contract carefully, and in case of unpleasant situations, please contact the lawyer. We hope our article was useful to you.