This will apply to all types of loan given out by bank. 3. Debt collectors cannot harass you Under the "Fair Debt Collection Practices" guideline issued by Bank Negara Malaysia, debt collecting agents must not use improper methods or any form of harassment when contacting you. This means debt collectors agents are not allowed to use abusive language, to humiliate or intimidate borrowers. 4. Debt collectors cannot call more than 3 times If a debt collector constantly calls you, or hounds you at your workplace, you can submit a complaint to the bank and Bank Negara Malaysia. Debt collectors are not allowed to call loan defaulters or borrowers more than three times a week. You have the right to complain if your phone has been ringing off the hook. 5. Debt collectors cannot threaten you Debt collectors are not allowed to threaten you, or take any actions that are illegal to make you repay your debt. This includes trespassing and the use of scare tactics. They are not allowed to follow you around after work, or hang out outside your home.
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