The issue whether collectors can call relatives, for many people having the credits is very topical. It is extremely unpleasant when close people suffer because of our mistakes. And it is even worse if constant calls slight personally you though you also are not a debtor. To avoid a similar arbitrariness, it is necessary to know well that can and what collectors of debts cannot.
Whether collectors have the right to call the debtor's relatives?
Before looking for the answer to a question whether collectors can call the debtor's relatives, you should understand that in fact these people are employees of the commercial organization. Only the field of activity at it specific, but it does not mean at all that her employees can use force, intimidate, take away things on account of a debt, etc.
Through relatives it is the simplest to collectors to work. Them it is possible to intimidate or confuse, demand payment of others debt too and to threaten with court. And to say that under the law the collectors have no right to call the debtor's relatives not absolutely correctly. There is one tiny nuance: in the credit agreement it can be specified that the bank can transfer your personal information to a third of a hand if considers necessary. At the same time he is not responsible for its further use. Quite so phones of your relatives also get into hands of collectors. In this case they can call the debtor's relatives within the law. But if there are no data on any relative in the contract, and collectors of debts, nevertheless, torment him phone, then these actions lawful are not considered. And in this case on the collection agency it is possible to submit the legal claim.
On legitimate rights the collectors have the right to call relatives if they act as guarantors. And they should repay a debt of other family member as it is their direct duty stated in the contract. In other cases the relatives of the debtor are not responsible for others credits.
It is necessary to mention also that calls from collectors can come only to certain time — in the working days from 8 in the morning to 10 in the evening, during week-end — from 9 in the morning to 8 in the evening. If call in the middle of the night, then it is possible to write the complaint.
What to do if collectors call relatives?
If as the figurehead there were you, the question whether the collector has the right to call relatives, for you will already be not the sharpest. Will interest you rather how to get rid of the importunate collector of debts on legal grounds.
- If by phone you money begins to intimidate, demand, to offend rudely, then you has all reasons to write the application to the police. Similar actions of collectors get under article about extortion or malicious hooliganism, it is possible to involve collectors of debts both on administrative, and by a criminal part.
- If openly to go into conflict you have no desire, then it is possible to find independently the debtor and to ask it to pay a debt. If he refuses, then provide its contact information to collectors that they could contact it personally, but not work through you.
- It is possible to complain of illegal acts of collectors in the special organizations. The lawyers working in them help to cope with an arbitrariness of collectors of debts and to get rid of the related problems.
- It is possible to try to agree with collectors and independently if you are not a guarantor and long ago you do not communicate with the relative. For this purpose it is necessary to carry the statement that your data removed from base in the agency, motivating it with the provision of the relevant Federal Law. Are obliged to react to your request if it did not occur, safely file a lawsuit.