Pay within one day… within two days… otherwise we will contact you at your workplace or take legal action against you.
Some defaulting customers are surprised by such messages from companies that are supposed to have offered them installment-based purchasing facilities. When a default occurs, the file is assigned to a collection agency that resorts to threats instead of professionalism. Our discussion here is about collection companies tasked with communication, not about the original obligation to repay. Delay is not justified, but the way recovery from default is managed is the real issue.
Threatening legal action, hinting at contacting the workplace, or involving parties with no relation to the matter is neither professional nor ethical behavior.
If there is a proven right, then take legal action according to proper procedures after a clear and specific notice—not through repeated messages that merely threaten the law without actually enforcing it.
I have been informed by one company of serious errors: sending names to people who are not their owners by mistake, which exposes the absence of data privacy control systems within these companies. In addition, there is inconsistent communication from multiple employees with no unified methodology, creating a negative experience that quickly spreads to digital platforms and harms the reputation of the entire market.
From here, we hope that collection services can be provided directly through banks to customers, via transparent contracts and clear mechanisms—such as direct salary deductions with proper regulatory approvals—ensuring the bank’s rights, helping customers maintain financial discipline, and integrating deductions into their expenses without making postponement easy.
On the other hand, we need strict regulation of debt collection companies’ operations: clearly defining their powers, obligating them to modern digital systems that protect privacy, enforcing quality and service standards, and establishing monitoring and oversight mechanisms that ensure compliance with laws and limit any professional or ethical violations.
The conclusion is simple: apply the law, do not threaten with it. Reforming the market begins with protecting data and implementing procedures without noise or verbal intimidation. Only in this way can we preserve trust and contribute to the financial recovery of those in default.