Opendatabot now has a guide on protection from debt collector malpractices and a feature that lets you file a complaint with NBU.
5 July 2021
Materials are published 3 times per week
Over 2.5 million Opendatabot users can now protect themselves from debt collectors’ abuse.
The Ukrainian Catholic University and Bot&Partners developed the debt collector communication system as a part of NBU’s Know Your Rights program.
The service has been integrated into the Opendatabot already and is available 24/7 via messengers and the app. It teaches users how to protect their privacy, check their data in the state registers, and submit their complaints to the National Bank of Ukraine.
Although debt collectors’ activities are regulated by law, numerous complaints regarding their ethical violations are still filed with the National Bank of Ukraine. This year, NBU received 3,142 written complaints and 8,258 contact center calls regarding debt collectors’ unethical behavior.
The complaints are filed chiefly in connection with:
|Usage of third-parties’ personal data||1,189||37.8%|
|Disclosure of borrowers’ personal data||133||4.2%|
In March, a law was adopted to protect debtors during the settlement of their debt. It also sets rules for debt collectors’ ethical work.
Specifically, the new law prohibits:
One also should bear in mind that only those debt collectors operate legally that have been entered in the corresponding debt collector company registry. This is stipulated by the Law of Ukraine “On Consumer Lending.” Only these companies are entitled to assist lenders in settling overdue debts.
As reported earlier, over 2 million Ukrainians are currently in the register of debtors. Their number increased by 18% during the year.
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