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Cobranzas Extrajudiciales y Derechos de los Consumidores
Cobranzas Extrajudiciales y Derechos de los Consumidores
12 Abril 2007
Los consumidores no pierden sus derechos por tener deudas morosas o atrasadas.
Alex Soto >
authenticated user CorresponsalLas empresas deben respetar los montos máximos a aplicar por concepto de intereses y gastos de cobranza. De la misma forma, no pueden utilizar mecanismos de cobranza que puedan afectar la tranquilidad, privacidad o estabilidad laboral del deudor:
Pasado 15 días corridos, desde la fecha de vencimiento de la deuda, los consumidores tienen derecho a que los gastos de cobranza no superen los montos máximos que establece la Ley. Estos son:
- un 9%, para las deudas o cuotas de hasta 10 UF
- un 6%, para la parte de la deuda que exceda de 10 y hasta 50 UF
- y un 3% para el monto que supere las 50 UF
Las empresas no pueden realizar amenazas ilegítimas o enviar a los consumidores cartas que parezcan escritos judiciales para realizar cobros.
Para reconocer una demanda judicial, sepa que el documento debe tener el número de rol de la causa en un extremo superior, el nombre del tribunal que lleva el juicio, individualización de empresa demandante y demandado y el procedimiento. Además, tiene que estar firmado por un juez y secretario judicial.
Cualquier escrito que llegue por correo y parezca demanda, verifíquelo en tribunales utilizando su número de RUT. La demanda judicial, se le debe comunicar a través de un funcionario del juzgado (receptor judicial) y no a través del correo.
De la misma forma, las empresas no pueden realizar comunicaciones o llamados telefónicos a personas que no estén involucrados en la deuda (jefe, familiares u otros) o cobros fuera de los días y horas hábiles que señala la ley, es decir, de lunes a sábados, de 8 a 20 horas.
Frente a las cobranzas de las empresas, los consumidores tienen derecho a que se respete su privacidad en el hogar, la convivencia normal de su entorno personal o su situación laboral.
La normativa se aplica a todos los créditos otorgados por bancos, financieras, casas comerciales u otros otorgantes de créditos (farmacias, supermercados, cooperativas o compañías de seguros).
Si la empresa con la que mantiene la deuda impaga hace efectivos los gastos de cobranza antes de los 15 días de vencimiento de la obligación; exige más de los porcentajes establecidos por ley o realiza procedimientos abusivos de cobranza, está cometiendo una infracción que puede ser sancionada por los tribunales competentes.
Comentarios
Consulta algo similar a la
Consulta algo similar a la de Gamara.
En los call center específicamente en televentas.
Cual es el horario de llamados a los clientes que establece la ley para el dia sabado?
Por la gran ayuda muchísimas gracias
Estoy a la espera de su respuesta.
quiero saber cual es el
quiero saber cual es el tribunal competente para denunciar a una multitienda, puesto que me siento hostigada con llamados teléfonicos de tipo "la volveremos a llamar". lo encuentro absurdo puesto que yo pague y por tanto no estoy en mora.
Hay alguna actualizacion de
Hay alguna actualizacion de la ley de cobranza q impida llamar al cliente depues de las 14 hrs el día Sabado ?
Me gustaría saber, ya que recibi muchas quejas de clientes q nos reclaman estar fuera del horario.
Saludos.
espero la respuesta.
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