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Russian collectors will hit on her hands – bill

Российских коллекторов ударят по рукам – законопроектом

Russia has banned collection activity, but very soon there will be a law restricting the rights of collectors. So, for example, the debtor is given a right to refuse to communicate with collectors.

1

The bill will protect the debtors

The draft law “On protection of rights and legitimate interests of individuals with the implementation of the debt collection” (collectors) will submit to the state Duma in the coming days. It was initiated by the Chairman of the Federation Council Valentina Matviyenko and state Duma speaker Sergei Naryshkin. Last week, Matviyenko spoke about the finalization of the bill and that the country needs a law, rigidly “regulate the activities of debt collection organizations and not allowing them to cross the border”.
 

2

What is forbidden to collectors?

According to the document, the debtor will have the right to refuse interaction with the collector or creditor or to determine its representative. Collectors can call your borrowers more than twice a week and meet with them once a week. Communication between collectors and debtors is prohibited on weekends from 20:00 to 9:00 PM and on weekdays from 22:00 to 8:00. Banks will be able to transfer the collectors of the borrowers personal data only with personal consent. The authority, which will regulate the collection activities, the authors of the bill charge to determine the government. If the project enters into force, small collection of companies on the market will not remain: the authorized capital collection Agency must be at least 10 million rubles.
 

3

Collectors and banks dissatisfied

The President of a major collection company “Sequoia Credit consolidation” Elena Dokuchaev believes that the bill should be balanced and take into account the interests of all parties. So, in her opinion, limiting the number of contacts with the debtor, but also the possibility of full refusal of interaction with collectors can not only seriously complicate and slow down the foreclosure process and significantly increase the amount of the overdue debts.
Vice-President of Association of regional banks of Russia (Arbre) Oleg Ivanov said that this law is populist and “beats” not only collectors but to the banks. “From 1 January 2015 to 1 February 2016 the delay in the total portfolio of credits to individuals increased by 32%, to worth 882.3 billion rubles”, – says Ivanov. He believes that the project “has” also to the bailiffs: “The amount that is now collected in the pretrial order, will go to trial. Will be inundated the courts, and then it all comes to the bailiffs. The estimated 5-7 million debtors.”

For reference

The bill collectors were preparing for about 10 years, there were a few different versions, some of them introduced in the state Duma. Attention to the collection market in November 2014 turned Russian President Vladimir Putin. Speaking at the forum of the Russian popular front, he said, “when debt collection agencies resort to illegal methods of tapping out of the money”, must intervene by law enforcement agencies. 27 January 2015 became aware of the burning of the house in Ulyanovsk. As a result the hospital was two-year-old child. The interior Ministry reported that an unknown male has thrown in a window a bottle with flammable liquid. Later on suspicion of crime it was detained 44-the summer collector Dmitry Ermilov, who was accused of the attempted murder of two persons and then arrested.

 

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