Κωδικας Δεοντολογίας

In the absence of a comprehensive legal framework, ESEDA took the initiative of developing a strict Code of Ethics/Practice, as well as concrete guidelines pertaining to the ability of debt management agencies to ensure reliability towards their clients, while upholding an ethical approach and adhering to a strict code of ethics. ESEDA aims at promoting best practices which will ensure the delivery of high quality services. In this respect, HADMC has formulated its Code of Ethics, the strict upholding to the principles thereof is an assumed obligation by all its members. Nevertheless, ESEDA monitors all members for complying with the agreed Code of Ethics/Practice and retains the right to apply sanctions to any member breeching the provisions set therein. CODE OF ETHICS A Member company of ESEDA should ensure that all its employees are aware of the principles and provisions of this Code. A Member company of ESEDA bears full responsibility for all actions or failures on the part of its staff or its agents. A Member company of ESEDA should abide by all legal and contractual obligations deriving from the agreement with its Client. In respect of the above, all procedures pertaining to the transfer of debtors’ personal data by the Client to the Member should fully abide by the provisions made by the Hellenic Data Protection Authority, with due regard to the strict observation of the obligations and transfer of responsibilities which derive from the relevant contractual agreement signed by the two parties. A Member company of ESEDA must ensure that all negotiations with the debtors of its Client are made only by means of lawful and legal instruments. When attempting to contact the debtor, the staff of a ESEDA member should always operate with the highest ethical standards, and avoid actions in breach of the relevant legislation, or in breach of the business ethics. They should behave in a polite, decent and ethical manner. More particularly: Under no circumstances are they entitled to use improper language or psychologically oppressive methods towards the debtor. They are obliged to trade fairly and to make no discrimination on the basis of sex, origin, marital status, or financial condition of their interlocutor. They are not entitled to use arguments or mechanisms that put psychological pressure on the debtors, but only to inform them about delinquent or in-default payments, and to make proposals about possible payment plans, as instructed by the Client. They are not entitled to falsely imply an identity different than their own, so as to put additional pressure on the debtor. They are not entitled to use ESEDA name as a means of bringing pressure upon the debtor. They are not entitled to use abusive language or threats of any kind during the communication with the debtor.