FAQ: Как общаться с инкассо по поводу «договорных штрафов»


Уже ни раз писалось про письма от инкассо по поводу «штрафов» за парковку — это всё абсолютная ерунда, не имеющая никаких юридических основ. Если вам позвонили или прислали SMS из Creditreform, Julianus или тому подобных контор, то у вас есть 2 варианта развития событий. Но перед этим очень важно знать несколько правил:

НИ В КОЕМ СЛУЧАЕ не давайте им свои контактные данные! ни имя, ни емайл, ни адрес. Если у них этих данных нет, то это 100% заказ от мошеннических структур частных парковок, либо просто звонок от мошенников. Дав им свои контактные данные, вы предоставите им очередную возможность действовать вам на нервы или использовать ваши личные данные в противозаконных действиях.

Что делать, если вам позвонили из инкассо:

1. Вы кладёте трубку, вносите их номер в чёрный список и больше никогда от них ничего не слышите, ибо кроме вашего номера у них ничего нет. Они даже не знают, с кем говорят.

2. Если вы всё же решили пообщаться с работниками инкассо-конторы, то неплохо уже иметь хоть какую-то базу знаний законов и юридических формулировок. Общайтесь без эмоций, выдержанно, кратко, по факту.

— Сразу задайте вопрос, с кем вы говорите (имя фамилия), кому адресован звонок. 99,99999999…% что они вам скажут, что «владельцу автомобиля с номером ХХХ». Никаких имён у них нет.

— Спросите, с чего они взяли, что это номер владельца, и кто вообще владелец данного авто. 99,99999999…%, что они ничего назвать не смогут.

— Спросите о каком правонарушении идёт речь. Какой пункт Закона вы нарушили, место, время, свидетели и письменные доказательства правонарушения. Как вы уже все знаете, речь идёт о «неустойке за нарушение пунктов договора», т.е. так называемом «договорном штрафе». Работник инкассо будет вас обманывать, называя требование «штрафом за парковку», но вы то в курсе. Скорее всего работник инкассо предложит вам выяснить эти детали непосредственно с парковочной компанией. Откажитесь, ибо вы в первые слышите об этой компании и каких-либо требованиях. Вы не получали никаких требований. Налицо несоблюдение процессуальных норм с целью последующего вымогательства денег через инкассо.

— Дайте высказаться работнику инкассо. Скорее всего он будет говорить на повышенных тонах, угрожать, возможно вменять вам нарушения Закона и т.д. Это всё полная чушь. Попросите предоставить вам всё вышесказанное в письменном виде. Т.к. у инкассо нет никаких ваших данных, то посоветуйте обратиться за информацией к заказчику, ведь он должен знать, с кем заключал договор.

— Если работник инкассо укажет вам на инфо-табло на парковке, с которым вы якобы согласились, то напомните ему, что с 1.7.2015 вступил в силу Закон о недействительности всех самодельных знаков. Они не имеют никакой юридической силы и должны быть демонтированы.

— Далее вы можете сообщить работнику инкассо, что вы вообще никак не связаны с данным автомобилем. Попросите удалить ваш номер из их базы данных и впредь не делать подобных звонков, иначе вы будете вынуждены обратиться в полицию с заявлением о вымогательстве денег и личных данных. Скорее всего они это не сделают.

— Если до этого момента работник инкассо еще бросил трубку, то попрощайтесь и посоветуйте впредь готовиться к подобным разговорам заранее и иметь базу знаний Законов. Вы можете высказать свои глубокие сомнения в законности данного разговора, ибо звонящий вам не оперирует, в принципе, никакими данными, пытаясь получить от вас личную информацию. У вас нет по рукой УК, но там эта статья прописана.

ВАЖНО: соблюдайте спокойствие, ведь вы ничего не нарушали. У инкассо и их заказчиков нет никаких законных возможностей получить ваши данные. Если они их получили, то это 100% незаконно и вы можете сразу обращаться в полицию. Если речь идёт о «договорных штрафах», то вам ничего не грозит, ибо вы ни с кем ни о чём не договаривались.

Источник: STOP Europark

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