Микрофинансовые организации творчески обошли закон о коллекторах

Микрофинансовые организации творчески обошли закон о коллекторах

Главное о ракетном ударе США по Сирии

10:44

Россия приостанавливает действие меморандума о предотвращении инцидентов в Сирии

12:57

Deutsche Bank прекратит корреспондентские отношения с банками Латвии

15:37

Фрегат «Адмирал Григорович» отправился в Средиземное море к Сирии

15:32

Владимир Путин обсудил с членами Совбеза ракетный удар США по Сирии

15:30

Из ТЦ «АФИМОЛЛ-Сити» в Москве эвакуировали посетителей

15:19

Александр Лукашенко заявил о неготовности России к интеграции с Белоруссией

15:06

Google запускает функцию проверки подлинности новостей по всему миру

15:04

Сирийское информагентство сообщило о гибели девяти мирных граждан от ракетного удара США

14:42

Лидеру хакерской группы «Шалтай-Болтай» предъявлено обвинение по шести эпизодам

14:32

Дворкович: результаты договоренностей России с ОПЕК оказались «ниже ожиданий»

14:03

Кремль разочарован отказом от международного расследования инцидента в Идлибе

13:56

Православные активисты подали в суд на избирком Петербурга из-за референдума об Исаакии

13:25

Дмитрий Песков: удар США в Сирии нанесен в интересах террористических организаций

13:24

Фигурант «болотного дела» Леонид Развозжаев вышел из колонии

ещё

все новости

Подробно

Микрофинансовые организации творчески обошли закон о коллекторах

Фото:
Виктор Коротаев /
Коммерсантъ

  |  купить фото

Микрофинансовые организации (МФО) придумали, как обойти одно из главных требований антиколлекторского закона — не беспокоить должника в ночное время. Они сообщают клиентам о новых продуктах и услугах, дополняя сообщения информацией о необходимости погасить задолженность. Формально ночное общение с должниками под видом рекламных предложений законом не ограничено, но ЦБ уже привлек к ответственности за такую деятельность крупнейшее МФО «Домашние деньги».

На днях Арбитражный суд города Москвы зарегистрировал заявление крупнейшего МФО «Домашние деньги» с требованием признать незаконным решение ЦБ о привлечении к ответственности. «Данным заявлением оспаривается постановление отделения по Пензенской области Волго-Вятского ГУ ЦБ от 26 декабря 2016 года, которым обществу назначено наказание в виде штрафа в размере 50 тыс. руб. за направление заемщику сообщений за пределами установленного для взаимодействия времени»,— сообщили в пресс-службе «Домашних денег». Однако в компании своей вины не признают, отмечая, что действовали в рамках закона, так как «взаимодействие осуществлялось не с целью взыскания задолженности, а с целью предложения новых продуктов». Связь с заемщиком в ночное время в компании объясняют «техническими особенностями отправки MMS-сообщений».

В ЦБ сообщили, что такие нарушения носят массовый характер. «В Банк России поступают жалобы от граждан на совершение МФО действий, направленных на возврат задолженности по договорам микрозайма, куда в том числе входят жалобы на звонки в неурочное время. В 2016 году в Банк России поступило более 5 тыс. подобных жалоб, а в январе—феврале 2017 года — около 800,— сообщили в пресс-службе ЦБ.— В случае выявления в действиях МФО признаков нарушения положений антиколлекторского закона документы направляются в Федеральную службу судебных приставов».

С 1 января 2017 года МФО не вправе взаимодействовать с заемщиком с целью взыскания просроченной задолженности с 22 до 8 утра по будням и с 20 до 9 утра в выходные и праздничные дни. За нарушение данного порядка — штраф до 200 тыс. руб. «При этом федеральными законами о рекламе и о связи не установлено каких-либо временных ограничений для рекламных SMS-рассылок»,— отмечает управляющий директор сервиса онлайн-кредитования «Е заем» Лига Трупа.

О новом способе взаимодействия с заемщиками — требование погашения долга под видом рекламы новых продуктов — на рынке знают. «Отдельные МФО, пытаясь обойти введение законом ограничения, под любым предлогом, включая предложение новых услуг, общаются с должниками во внеурочное время с одной целью — добиться возврата просроченной задолженности,— рассказывает независимый член совета СРО «Мир» Александр Арифов.— И эта тенденция набирает обороты». При этом сам клиент, как правило, при получении займа дает МФО согласие и на получение рекламных рассылок, указывает юрист союза по защите прав потребителей финансовых услуг «Финпотребсоюз» Алексей Драч. «Пока есть согласие клиента на такое информирование, МФО формально закон не нарушает»,— уточняет он. А основания для жалоб в ЦБ есть. «Если в сообщениях или звонках о новой услуге одновременно упоминается возврат старого долга, то клиент может посчитать взаимодействие направленным на взыскание задолженности и подать жалобу в ЦБ»,— указывает господин Драч.

Впрочем, в отдельных случаях ночная реклама может быть не по вине МФО. «Обычно МФО делают SMS-рассылки через специальный сервис у операторов связи,— рассказывает гендиректор сервиса онлайн-займов «Робот Займер» Сергей Седов.— Программа формирует SMS для конкретного абонента с учетом часового пояса его проживания, клиент получает уведомления только в определенное время». «Задержки в доставке SMS иногда случаются и зависят от текущей нагрузки сотовых сетей и SMS-шлюза SMS-провайдера»,— сообщила Лига Трупа. «Но это единичные случаи»,— отмечает Александр Арифов. «По решению суда мы можем сообщить время отправки и доставки сообщений»,— заявили в пресс-службе МТС.

Суд без труда установит суть ночного взаимодействия МФО с клиентом, и можно будет однозначно утверждать, было ли сообщение рекламным или содержало информацию о взыскании задолженности, уверен управляющий партнер АБ «Дмитрий Матвеев и партнеры» Дмитрий Матвеев. Впрочем, судя по подходу ЦБ, такая практика просуществует недолго, уверены эксперты. «Крупные игроки не будут увлекаться подобным — велики репутационные риски»,— считает гендиректор МФО «Быстроденьги» Юрий Провкин.

Источник: kommersant.ru

160 комментариев

Thank you, I’ve just been searching for info about this topic for ages and yours is the best I’ve discovered so far. But, what about the conclusion? Are you sure about the source?

Уведомление: ceme qq online
Уведомление: Sagaming
Уведомление: กู้ เงิน โคราช
Уведомление: hemp oil

With havin so much content do you ever run into any issues of plagorism or copyright infringement? My blog has a lot of unique content I’ve either created myself or outsourced but it appears a lot of it is popping it up all over the internet without my authorization. Do you know any methods to help prevent content from being ripped off? I’d truly appreciate it.

Hey very nice site!! Man .. Excellent .. Wonderful .. I will bookmark your web site and take the feeds additionallyKI’m glad to seek out so many useful info right here within the submit, we’d like develop extra techniques on this regard, thanks for sharing. . . . . .

Уведомление: ebenin amini türkce izle
Уведомление: pelangiqq
Уведомление: กังนัม คลินิก

Can I simply say what a relief to search out someone who really is aware of what theyre speaking about on the internet. You definitely know tips on how to convey a difficulty to mild and make it important. Extra folks must learn this and perceive this side of the story. I cant imagine youre not more standard because you definitely have the gift.

Уведомление: raja capsa
Уведомление: vao w88

It’s actually a great and helpful piece of info. I am satisfied that you shared this useful info with us. Please stay us up to date like this. Thank you for sharing.

Excellent web site. A lot of helpful info here. I?¦m sending it to several friends ans additionally sharing in delicious. And of course, thanks in your sweat!

I’ve been absent for some time, but now I remember why I used to love this blog. Thank you, I?¦ll try and check back more frequently. How frequently you update your site?

My brother suggested I might like this website. He was entirely right. This post actually made my day. You can not imagine simply how much time I had spent for this information! Thanks!

Usually I do not read post on blogs, but I would like to say that this write-up very forced me to try and do so! Your writing style has been amazed me. Thanks, very nice post.

Уведомление: http://www.meja3651.site/

You actually make it seem so easy along with your presentation however I to find this matter to be actually something that I feel I might never understand. It kind of feels too complicated and very wide for me. I am taking a look forward for your subsequent post, I will attempt to get the dangle of it!

Уведомление: 카지노
Уведомление: 메이저놀이터
Уведомление: 사설토토

You really make it seem really easy along with your presentation however I find this matter to be actually something which I think I would by no means understand. It seems too complex and very wide for me. I am looking forward for your subsequent publish, I?¦ll try to get the dangle of it!

Definitely believe that which you stated. Your favorite justification seemed to be on the web the easiest thing to be aware of. I say to you, I definitely get irked while people think about worries that they just don’t know about. You managed to hit the nail upon the top and also defined out the whole thing without having side-effects , people could take a signal. Will probably be back to get more. Thanks

Simply wish to say your article is as amazing. The clarity on your publish is simply great and that i can think you’re an expert in this subject. Fine along with your permission let me to grab your RSS feed to keep up to date with forthcoming post. Thank you a million and please keep up the enjoyable work.

A lot of thanks for your whole efforts on this site. My niece takes pleasure in carrying out internet research and it is easy to see why. All of us learn all about the dynamic mode you create efficient guides through your website and in addition invigorate contribution from other people on the point and our own princess is undoubtedly understanding a lot of things. Take pleasure in the remaining portion of the year. You are performing a good job.

Уведомление: 1xbet

Heya are using WordPress for your blog platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you need any html coding expertise to make your own blog? Any help would be really appreciated!

Awesome site you have here but I was wanting to know if you knew of any user discussion forums that cover the same topics discussed here? I’d really love to be a part of community where I can get comments from other knowledgeable individuals that share the same interest. If you have any recommendations, please let me know. Thanks a lot!

I intended to compose you one bit of remark to help thank you so much yet again for those wonderful techniques you’ve contributed in this article. It was so seriously open-handed with people like you to give publicly all that many individuals could have made available for an e book to help make some dough on their own, notably given that you might well have tried it if you considered necessary. Those strategies in addition acted to become great way to understand that many people have the identical interest similar to my personal own to grasp way more in regard to this condition. I’m certain there are lots of more pleasurable instances up front for many who look into your blog.

Hello, Neat post. There’s an issue together with your web site in web explorer, may check this?K IE nonetheless is the marketplace leader and a large component of other folks will omit your magnificent writing due to this problem.

Hi there, simply become aware of your weblog through Google, and found that it is really informative. I am gonna watch out for brussels. I’ll be grateful when you proceed this in future. A lot of people will probably be benefited out of your writing. Cheers!

Somebody necessarily help to make severely articles I would state. That is the first time I frequented your web page and up to now? I amazed with the analysis you made to create this particular put up incredible. Great activity!

Pretty nice post. I just stumbled upon your blog and wanted to say that I have really enjoyed browsing your blog posts. After all I’ll be subscribing on your rss feed and I hope you write again soon!

I have been browsing online greater than three hours nowadays, yet I never found any attention-grabbing article like yours. It¦s beautiful worth sufficient for me. In my opinion, if all site owners and bloggers made excellent content as you did, the net shall be a lot more helpful than ever before.

Heya i’m for the first time here. I found this board and I find It truly useful & it helped me out a lot. I’m hoping to present something again and aid others such as you helped me.

I was very pleased to find this web-site.I wanted to thanks for your time for this wonderful read!! I definitely enjoying every little bit of it and I have you bookmarked to check out new stuff you blog post.

I have been absent for some time, but now I remember why I used to love this website. Thank you, I?¦ll try and check back more often. How frequently you update your site?

I just want to tell you that I am just all new to blogs and honestly enjoyed you’re website. Almost certainly I’m going to bookmark your website . You definitely come with really good posts. Thanks a bunch for revealing your webpage.

The very next time I read a blog, Hopefully it won’t fail me just as much as this particular one. After all, Yes, it was my choice to read, however I truly thought you’d have something helpful to say. All I hear is a bunch of moaning about something that you can fix if you were not too busy looking for attention.

An interesting discussion is definitely worth comment. I do believe that you should publish more on this subject, it may not be a taboo subject but typically people do not talk about such subjects. To the next! Cheers!!

A fascinating discussion is definitely worth comment. I think that you should write more about this subject, it might not be a taboo matter but generally people do not discuss such topics. To the next! All the best!

I have to thank you for the efforts you have put in penning this site. I’m hoping to view the same high-grade content by you later on as well. In truth, your creative writing abilities has inspired me to get my own site now 😉

Thanks for revealing your ideas. Something is that students have a solution between fed student loan and also a private education loan where it truly is easier to choose student loan consolidating debts than over the federal student loan.

This is the perfect blog for everyone who hopes to understand this topic. You know a whole lot its almost hard to argue with you (not that I really will need to…HaHa). You certainly put a brand new spin on a subject which has been written about for many years. Great stuff, just great!

Hi, I do think this is a great web site. I stumbledupon it 😉 I’m going to revisit yet again since I saved as a favorite it. Money and freedom is the greatest way to change, may you be rich and continue to help other people.

You need to take part in a contest for one of the highest quality websites online. I most certainly will highly recommend this blog!

After I originally left a comment I appear to have clicked on the -Notify me when new comments are added- checkbox and now each time a comment is added I recieve four emails with the exact same comment. There has to be an easy method you can remove me from that service? Kudos!

Hi there! This article could not be written any better! Going through this post reminds me of my previous roommate! He continually kept preaching about this. I’ll forward this information to him. Pretty sure he’s going to have a good read. Thanks for sharing!

That is a really good tip particularly to those new to the blogosphere. Brief but very accurate info… Thanks for sharing this one. A must read article!

This is the perfect web site for everyone who really wants to understand this topic. You understand so much its almost hard to argue with you (not that I personally would want to…HaHa). You definitely put a new spin on a topic that has been discussed for many years. Excellent stuff, just wonderful!

I seriously love your site.. Great colors & theme. Did you develop this web site yourself? Please reply back as I’m planning to create my own website and would like to find out where you got this from or exactly what the theme is called. Cheers!

This is the perfect blog for anyone who wishes to understand this topic. You know so much its almost hard to argue with you (not that I actually would want to…HaHa). You certainly put a new spin on a topic that has been written about for decades. Wonderful stuff, just great!

Howdy! I could have sworn I’ve visited this website before but after going through a few of the articles I realized it’s new to me. Nonetheless, I’m definitely delighted I came across it and I’ll be book-marking it and checking back frequently!

This is a very good tip particularly to those new to the blogosphere. Short but very accurate info… Appreciate your sharing this one. A must read post!

After looking over a number of the articles on your web page, I seriously appreciate your technique of writing a blog. I saved as a favorite it to my bookmark website list and will be checking back soon. Take a look at my web site as well and let me know your opinion.

I’m impressed, I must say. Rarely do I come across a blog that’s equally educative and entertaining, and without a doubt, you have hit the nail on the head. The problem is something which not enough men and women are speaking intelligently about. Now i’m very happy that I found this during my hunt for something concerning this.

I needed to thank you for this great read!! I certainly enjoyed every little bit of it. I have you book marked to look at new stuff you post…

Aw, this was an extremely good post. Taking a few minutes and actual effort to make a top notch article… but what can I say… I hesitate a whole lot and don’t seem to get anything done.

Oh my goodness! Awesome article dude! Thanks, However I am encountering difficulties with your RSS. I don’t know the reason why I am unable to join it. Is there anybody else getting the same RSS problems? Anyone who knows the solution will you kindly respond? Thanx!!

I’m amazed, I have to admit. Seldom do I come across a blog that’s both equally educative and amusing, and without a doubt, you have hit the nail on the head. The problem is something that too few folks are speaking intelligently about. I am very happy that I stumbled across this during my search for something regarding this.

Your style is really unique compared to other people I have read stuff from. Many thanks for posting when you have the opportunity, Guess I will just bookmark this blog.

A fascinating discussion is worth comment. I do think that you ought to write more on this topic, it might not be a taboo matter but generally people do not speak about such subjects. To the next! Best wishes!!

This is a good tip particularly to those new to the blogosphere. Brief but very accurate information… Thanks for sharing this one. A must read article!

Hi there! I could have sworn I’ve visited this web site before but after browsing through many of the posts I realized it’s new to me. Nonetheless, I’m definitely delighted I discovered it and I’ll be book-marking it and checking back often!

Good day! I simply would like to give you a big thumbs up for the great information you have got here on this post. I will be coming back to your web site for more soon.

After I initially commented I seem to have clicked on the -Notify me when new comments are added- checkbox and from now on every time a comment is added I receive 4 emails with the same comment. Is there a means you are able to remove me from that service? Thanks!

Good post. I learn something new and challenging on websites I stumbleupon every day. It’s always interesting to read content from other authors and practice a little something from their sites.

Many thanks taking a few minutes to discuss this unique, I find myself passionately with this and also adoration looking over on that problem. Just in case likely, since complete specialist knowledge, on earth would you feelings modernizing your main internet page along with other facts? This is very helpful for me.

You made some really good points there. I looked on the net to find out more about the issue and found most individuals will go along with your views on this site.

Nice post. I learn something totally new and challenging on websites I stumbleupon on a daily basis. It will always be exciting to read articles from other writers and practice something from other websites.

I want to to thank you for this wonderful read!! I certainly enjoyed every little bit of it. I have you saved as a favorite to check out new stuff you post…

Howdy! This blog post could not be written any better! Reading through this article reminds me of my previous roommate! He continually kept preaching about this. I am going to forward this post to him. Fairly certain he’ll have a good read. Thank you for sharing!

I seriously love your website.. Pleasant colors & theme. Did you build this site yourself? Please reply back as I’m hoping to create my own blog and want to learn where you got this from or what the theme is named. Cheers!

This is a really good tip especially to those new to the blogosphere. Brief but very accurate information… Thank you for sharing this one. A must read article!

Spot on with this write-up, I absolutely think this web site needs a great deal more attention. I’ll probably be returning to read through more, thanks for the advice!

Way cool! Some extremely valid points! I appreciate you writing this post and also the rest of the site is really good.

I absolutely love your website.. Excellent colors & theme. Did you build this website yourself? Please reply back as I’m wanting to create my own personal website and would love to know where you got this from or exactly what the theme is called. Kudos!

An impressive share! I have just forwarded this onto a co-worker who had been conducting a little research on this. And he in fact ordered me lunch because I stumbled upon it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanx for spending some time to talk about this subject here on your website.

Right here is the perfect website for anybody who really wants to find out about this topic. You realize so much its almost hard to argue with you (not that I really would want to…HaHa). You certainly put a brand new spin on a subject which has been discussed for a long time. Excellent stuff, just wonderful!

When I initially left a comment I seem to have clicked the -Notify me when new comments are added- checkbox and now whenever a comment is added I receive 4 emails with the same comment. Is there a means you can remove me from that service? Cheers!

Hey! Quick question that’s entirely off topic. Do you know how to make your site mobile friendly? My web site looks weird when browsing from my iphone4. I’m trying to find a template or plugin that might be able to fix this issue. If you have any suggestions, please share. Many thanks!

Your style is unique in comparison to other people I’ve read stuff from. Thanks for posting when you have the opportunity, Guess I’ll just book mark this web site.

This is the perfect webpage for everyone who would like to understand this topic. You realize a whole lot its almost tough to argue with you (not that I actually would want to…HaHa). You certainly put a brand new spin on a topic that’s been discussed for ages. Excellent stuff, just excellent!

Hello! I simply want to offer you a big thumbs up for your great info you’ve got right here on this post. I am returning to your blog for more soon.

An outstanding share, I simply offered this onto a coworker that was doing a little evaluation on this. As well as he actually got me morning meal due to the fact that I discovered it for him. smile. So let me reword that: Thnx for the reward! Yet yeah Thnkx for investing the moment to review this, I feel highly regarding it and also enjoy learning more on this topic. If possible, as you end up being experience, would certainly you mind updating your blog site with even more details? It is very helpful for me. Big thumb up for this post!

Hello there! I simply would like to give you a big thumbs up for the great info you’ve got here on this post. I am coming back to your web site for more soon.

Good post. I learn something totally new and challenging on sites I stumbleupon every day. It’s always helpful to read content from other authors and practice something from other sites.

Oh my goodness! Awesome article dude! Thank you so much, However I am experiencing difficulties with your RSS. I don’t know why I can’t subscribe to it. Is there anybody getting the same RSS problems? Anyone who knows the answer will you kindly respond? Thanks!!

I blog frequently and I truly thank you for your content. This great article has really peaked my interest. I will bookmark your blog and keep checking for new information about once a week. I opted in for your Feed too.

An outstanding share! I’ve just forwarded this onto a friend who was doing a little homework on this. And he in fact bought me dinner because I stumbled upon it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanx for spending some time to discuss this matter here on your web page.

There are some intriguing times in this short article however I don?t know if I see every one of them center to heart. There is some legitimacy yet I will hold viewpoint till I look into it additionally. Excellent post, thanks and we want much more! Added to FeedBurner as well

This is the perfect webpage for everyone who would like to understand this topic. You realize so much its almost tough to argue with you (not that I personally will need to…HaHa). You certainly put a brand new spin on a subject which has been written about for decades. Excellent stuff, just excellent!

I’m amazed, I have to admit. Rarely do I come across a blog that’s equally educative and amusing, and without a doubt, you’ve hit the nail on the head. The issue is an issue that not enough folks are speaking intelligently about. I’m very happy I stumbled across this in my search for something relating to this.

I was pretty pleased to uncover this web site. I need to to thank you for ones time due to this fantastic read!! I definitely loved every part of it and i also have you book-marked to look at new things on your website.

Комментирования закрыты.