Respectful, compliant engagement is not merely a regulatory obligation — it produces better and more durable outcomes.
Aggressive recovery tactics generate complaints, regulatory attention and reputational damage, and they rarely produce durable payment arrangements. Debtors who feel pressured into unaffordable commitments default again, and the file returns in worse condition.
Compliant practice starts with accuracy. Contacting the right person about the correct balance with complete documentation prevents the majority of disputes before they arise.
It continues with proportionality: contact at reasonable frequency, within permitted hours, through channels the debtor has acknowledged.
And it ends with sustainability. An arrangement the debtor can actually meet recovers more, over a shorter horizon, than one that collapses after two instalments.