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პრობლემური აქტივების მართვის კომპანიები კანონდარღვევებით მუშაობენ

არსებული უმწვავესი სოციალური პრობლემების ფონზე, საბანკო და სხვა საფინანსო ინსტიტუციების მიმართ დავალიანებების გაპრობლემების შემთხვევები მზარდია. ამ ფონზე, “ახალგაზრდა ფინანსისტთა და ბიზნესმენთა ასოციაცია – აფბა” ყურადღებას ამახვილებს, მანკიერ პრაქტიკაზე, რომლის თანახმად, საფინანსო ინსტიტუციები პრობლემურ ვალდებულებებს გადასცემენ ე.წ. „ამომღებ კომპანიებს“, რომლებიც ძალიან ხისტი, ხშირ შემთხვევაში, უკანონო მეთოდებით ცდილობენ გაპრობლემებული ვალდებულებების ამოღებას. „ასეთი კომპანიების საქმიანობის სტილი და შინაარსი, ისედაც რთულ მდგომარეობაში მყოფ პრობლემურ მსესხებელს კიდევ უფრო გამოუვალ მდგომარეობაში აგდებს, შესაბამისად, არსებული სოციალური პრობლემატიკა მწვავდება“, – აცხადებენ აფბაში.

„აფბას ინიციატივაა დაეხმაროს პრობლემურ მსესხებლებს ე.წ. „ამომღებ კომპანიებთან“ ურთიერთობაში, საბოლოოდ, კი დაუკარგოს ამ კომპანიებს საქმიანობის მოტივაცია. ინიციატივის მიზანია, შეიქმნას ინსტიტუცია, რომელიც უზრუნველყოფს პრობლემური მსესხებლების საქმეების სასამართლომდე მიტანას, სასამართლოში ადვოკატირებას, რითაც პროცესი გადავა ცივილურ ჩარჩოებში და პრობლემური მსესხებლები თავიდან აირიდებენ სხვადასხვა სახის ხარჯებს, რაც ერთმნიშვნელოვნად გააუმჯობესებს მათ მდგომარეობას და შეამცირებს სოციალურ პრობლემებს“, – აცხადებს აფბას ანალიტიკოსი ზურაბ კუკულაძე.

აფბას განცხადებაში, ნათქვამია რომ, ე.წ. „ამომღები კომპანიების“ საქმიანობაში ფიქსირდება შემდეგი სახის დარღვევები:

  • პერსონალური მონაცემების მესამე პირზე გადაცემა (დარეკვები ახლობლებთან, თანამშრომლებთან);
  • მუქარის და შანტაჟის ტონით ურთიერთობა;
  • უკანონოდ მოპოვებული ბაზებით მუშაობა;
  • არარეალური და უკანონო მუქარის გამოყენება. მაგალითად, კლიენტებს ეუბნებიან, რომ საზღვარგარეთ გასვლას შეუზღუდავენ, ან სამსახურს ვერასოდეს ვერ იშოვიან, ემუქრებიან გამოსახლებით სასამართლოს გადაწყვეტილების გარეშე, ართმევენ ქონებას, სასამართლოს გადაწყვეტილების გარეშე;
  • რეპუტაციის შელახვა;
  • ხდება ფიზიკური დაპირისპირებები და სხვა სახის კონფლიქტი;

ფინანსური ზიანის მიყენება:

  • არ უფორმებენ ხელშეკრულებებს;
  • კლიენტის მიერ გადახდილ თანხას უშვებენ ჯარიმის მომსახურებაზე და არა ძირი თანხის დასაფარად;
  • აცოცხლებენ ხანდაზმულ სესხებს;
  • ცვლიან უკვე გაფორმებული ხელშეკრულებების პირობებს;
  • ხანდაზმული სესხის არსებობის შემთხვევაში, ატყუებენ კლიენტებს და მაინც აიძულებენ ასეთი სესხის გადახდას;

წყარო: bfm.ge

 

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