CODE OF ETHICS

The staff of Enses Credit Management adheres to the code of ethics of the category, in the performance of debt collection, in particular to the following directives:

 

  1. Disclose to its clients the content of this Code of Conduct;
  2. To avoid any detrimental action , of any nature, against the image and / or interests of the Companies / individuals or Collection Agencies assigning the case and / or Creditors,
  3. To Perform its commitments as per the letter of appointment / task, following scrupulously the rules of the Italian Civil Code relating to the mandate and the diligence of the agent;
  4. To answer the activities carried out solely and exclusively to the Customer to the Collection Company, respecting the directives received;
  5. Not to contact, in any case, the creditor company and its agents, dealers or third parties, without express prior written permission of the Collection Company assigning the case;
  6. behave in a scrupulously fair manner and independent from influences of any nature which could affect the actions against the debtor;
  7. Not to accept fees, gifts or favors of any kind from the debtor, and check also that the staff, in charge of the claim for, does not carry this type of action;
  8. Hold against the debtor conducted a firm and determined, never lead to oppressive attitudes, insolent and / or unnecessarily petulant. Do not exert undue pressure or threats against the debtor, in order to induce him to pay;
  9. To contact the debtor with discretion and care in appearance, having the utmost respect for the people contacted and their privacy;
  10. To provide comprehensive explanations on the individual components of the total amount due (including interest and costs of recovery), informing the debtor of the possible legal consequences of any non compliance;
  11. not to replace, in any case, the debtor in payment of sums due;
  12. not to demand payment of amounts other than those specified by the Collection Company for recovery;
  13. not to qualify, under any circumstances, employees or officers of the creditor;
  14. not to qualify in any case with titles, qualifications, duties and / or functions that are not true;
  15. To perform activities as per the mandate received, with loyalty, with maximum confidentiality and professional secrecy, with absolute prohibition to disclose, even partially to any person and / or for any reason, the news and the information learned while recovering of the debt;
  16. To comply with all applicable laws, with particular reference to the regulations regarding debt collection, privacy, mental and physical unrestrainable methods of coercion, the inviolability of the domicile.