In our country, relatively recently, a law on collectors appeared, regulating their capabilities and obligations. But, unfortunately, statistics show that complaints towards collectors are becoming more and more. This year, 64% more claims were recorded than in the previous year. Worst of all, among the complaints, still the overwhelming number are complaints of unlawful actions, such as the threat of life, mental pressure and others. It seems that the regulatory structures currently do not have time to cope with all the complaints, and the problem remains open.
According to statistics
Complaints about the crudest attitude come from microfinance companies’ clients. As a result, it turns out that they transfer borrowers to collection agencies that are not in the FSSP registry and, therefore, do not have any authority to carry out such activities.
Today, the law on collectors does not fully protect consumers of microloans. The thing is that the TL Bank, the main regulator, does not have enough authority to take sufficient measures. In addition, the amount of fines for illegal offices is very small, and the actions of law enforcement agencies have not changed. Even the new standard, which was adopted this month, did not greatly affect the situation because it does not describe restrictions on transferring borrowers to third parties.
Representatives of the regulatory authorities report that work on this issue is being actively conducted and now the anti-collector law is passing the next stage of its formation. This law needs to be modified gradually, and practical information is now accumulating, which will help make the necessary changes to the law to improve the situation.
Experts say that the absolute ban on the transfer of work with the debtor with illegal companies and, of course, the introduction of substantial fines in case of disobedience, will best affect the situation. Now the lender does not give himself a special report, to whom he sells the debt, therefore, it is necessary to introduce a requirement for all credit organizations to transfer work with borrowers only to agencies present in the state register.