The new rules entered into force on 01.04.2010 – the so called scoring amendment to data protection has considerable influence on the receivables management companies. Keep up on the field with thought-provoking pieces from Pegasus Books. Above all the requirements for the transmission of customer data have to credit bureaus have increased. The following information about the new regulations. What is a scoring method? The scoring method is a method of using mathematical and statistical means the probability is measured, with a certain person shows a certain behavior. You want to estimate consumer behavior thus. For example, companies in the awarding of credit interested in, the probability to determine whether the credit of a customer will be refunded. Perhaps check out crowne plaza rosemont for more information. How is it in the transfer of customer data to use? Also at the conclusion of rental and insurance contracts, scoring method be used. To cover bad debts, companies pass on customer information to external agencies or credit insurance, so that they take up the investigations and create calculations can.
This happens already, if there is a due, still-not-culprit or that have legal claims of the entrepreneur against the customer. Thus, the regulations of the Bundesdatenschutzgesetz (Federal Data Protection Act) are affected. Transmission of customer data: benefits of consumer companies are concerned due to the regulations valid from 1.4.2010 a significant aggravation of the Receivables Management. Some companies forecast an approaching “wave”. Consumers, however, enjoy a higher degree of data protection. Companies are forced to check your reminders and to comply with the rules. You are encouraged to the customer to observe time limits and to teach him properly about the transfer of data to external service providers.
Transmission of customer data: what remains and what has changed? It must be at the call of the entrepreneur to the defaulting customer a claim, where despite maturity performance still not provided. Data transmission must be the company or a To maintain a legitimate interest to serve third parties. No changes for creditors who passed open claims to a debt collection company to the realization. Rather, the provisions introduced with the amendment to 28 BDSG regulate the work of rating agencies. Credit bureaus must therefore receive debtor data only, if the claim is legally titled the claim according to 178 has been found with InsO and not disputed by the debtor or the debtor the demand explicitly recognized has or the debtor at least twice in writing is been warned after the due date of the claim, between the first reminder is sent and at the Agency, at least four weeks are the transmission of data, the creditor or as the commissioned collection agency in a timely manner, but no earlier than has taught the defaulting payer when the first reminder is sent in, that his data to a reporting agency would be delivered, and the defaulting payer has not disputed the claim or that the claim underlying Contract because of payment arrears may be terminated without notice and the holder or his representative has informed the debtor about the upcoming delivery of its data. If, however, creditors appoint debt collection company with retraction of claims, they may transmit them continue data of their debtors. This is regulated in 28 para 1 BDSG. Press contact: Alwin of all ADF General database for debt indenting GmbH page 2 and industry RT 3 35463 remote forest Tel.: 0641 / 940 14-0 fax: 0641 / 940 14 51