Automated Dialler Systems

Automated Dialler Systems

Summary

In this report, the use of automated dialer systems and the laws and policies related to the use if dialer system as set the regulatory by Ofcom. The major part of this report focuses on the regulations that must be adopted by the all type of businesses using automated dialer system. The report also discusses the impacts and effects of these regulations on the firm using automated dialer system for the purpose of collection. These steps have been taken by the regulatory body to protect consumers from silent calls. The report coves various aspects including silent calls, abandoned calls, playing of messages and unanswered calls. In the end, the report also throws light on the specific use of this system by the companies for the purpose of collection. There are certain instructions as well which should be taken in consideration while making repetitive calls to debtors.

Conclusion

In most jurisdictions, debt collectors and creditors have the right to contact the debtor for the purpose of collecting debts. However, in UK, there is a law against harassment by debt collectors. If consumers are being harassed by debt collectors, one of the most important things consumers can do is to learn from the laws in their area. The law prohibits debt collectors from harassing by calling several times and at inopportune moments. Debt selectors have the right to call, but not to harass them by calling at night or early in the morning or call more than three times a week. When consumers are subjected to harassing behavior by any means like continuous calls, silent calls or by automated dialer system, then consumers or general public will be able to inform debt collectors that they are violating harassment laws. If consumers have experienced repeated phone calls from a debt collector or an automated system, they should find a lawyer to protect them from harassment.

If consumers have been harassed in the collection, they can sue the debt selector. Federal and state law protects people against unfair and deceptive debt collection. The Protection from Harassment Act 1997 is the law that protects consumers all over the UK. This law restricts companies to a certain percentage of calls per day and allows individuals to sue debt collectors for his misconduct.

It should be noted that many lawyers working on the basis of a contingency fee. This means that consumers will not pay money up front. The law also allows the company to pay legal fees. Today, millions of people suffer from overwhelming financial debts causes divorce, job loss or an unexpected illness. Finding money to pay debts is very stressful and besides this, these frequent and continuous calls could be huge problems. Consumers are entitled to be treated with respect. Debt collectors may not harass, oppress or do not abuse you or any third parties they contact. They cannot:

Threatening violence or harm.

Use obscene or profane language.

Use the phone several times to embarrass ...