It’s no secret that debt collectors have a bad reputation. And it didn’t come out of nowhere. Of course, for several years there have been strict rules for collecting debts, and the collectors themselves are controlled by bailiffs. Much has changed. However, some debt collectors continue to work as if the law were not written for them.
For this reason, a group of senators and representatives proposed to introduce special protection for pensioners.
“Banks easily and gladly provide small amounts of loans to retirees, since this category of people has a constant and stable income. However, retirees who have taken such a loan become perpetual debtors,” the authors of The initiative.
Banks easily issue credit cards to retirees, and the latter find themselves in deep debt.
Let’s face it, our pensions are often small. It is easy to take loans, but you have to pay them, sometimes depriving yourself of something necessary. Especially often pensioners become victims of “interest-free” cards. Such cards really give a fairly long period in which the debt can be paid off without interest. However, there are many nuances in the rules, and it is worth not taking into account something incomprehensible, not paying ten kopecks on time, being late with payment for a couple of days, as interest begins to grow like a snowball. And the pensioner is in natural servitude. And then collectors begin to put pressure on retirees. And they don’t always act in a civilized manner.
“At present, complaints continue to be received for the actions of the collectors, including the provision of psychological pressure by them,” emphasize the promoters of the project. they are collectors.
By the way, now the State Duma is considering a bill that extends to banks and state control over debt collection work. The bailiffs will oversee this. The document has already been approved by the State Duma at first reading.
Under current legislation, the control of the FSSP applies only to professional collection organizations. Bailiffs, of course, have the right to fine bankers for some debt collection violations. Also, this rule was introduced relatively recently. However, bankers are liable only if complaints are received. Control also implies, among other things, inclusion on a special list and compliance with certain requirements. For example, all conversations with the debtor must be recorded. So, after the adoption of the law, the bailiffs will not only accept complaints against bankers, but also check how bank debt collection services work. Microfinance organizations will also be under control and there are many complaints about their work.