In their eagerness to press their delinquent customers, banks in Mexico fall into a harassment is illegal, but few people claim.In late 1994, Mexico fell into one of the most serious economic crisis in its history. The persistent inflation, overvaluation in the exchange rate, accompanied by slow economic growth were factors that build up, eventually unleashing the carnage that resulted in a rise in prices, and a severe unemployment crisis.

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The 1995 banking crisis

One of the factors that were crucial in this economic crisis emerged in the banks, particularly in its credit card service. The illusion that Mexico was a period of prosperity in terms of economic growth, led many Cardholders make an irresponsible use of plastic and its liabilities, Sparking a problem of national dimensions, to the extent that the federal government decided, in 1998, the Bank Savings Protection Institute , to rescue from bankruptcy credit institutions and savings.

In subsequent years, banks were more selective in granting loans, however, no longer offer the service of plastic money, but now comes with a number of strategies that they can be categorized as harassment, to press the cardholder to make payments promptly.

Bullying banks advertising

In recent years, banks in Mexico turned to the call center to keep in touch with your customers. The first strategy was to call the homes to provide services, especially those relating to life insurance, extension of credit or the provision of additional cards.

However, competition between banks unleashed a wave of calls to its customers to the degree of fall in the harassment, which forced the National Commission for the Defense of Users of Financial Services , establishing the registration system Public Register with which they are prohibited for banks to make calls to customers for advertising given the number of complaints and claims of citizenship.

Harassment of banks to delinquent customers

Rather than comply with the request to respect the privacy of its customers, the banks rejected the use of call center, but rather it focused toward other needs. To not allow it to expand its non-performing loans, banks resorted to telephone harassment. Banks such as BBVA Ban comer account holders call several times a day (even after 22:00 hrs.), Either your home or cell phone to remind you of your due dates, to demand immediate payment even the question, with great arrogance, the reason why the client has not fulfilled its obligations.

What’s more, these banks rely on the public display of their customers, leaving the doors of their homes documents (full of spelling mistakes) on the assumptions that by law firms threaten to repossess or press charges against you if do not pay what they owe.Others such as Banco Azteca, not just resort to telephone harassment, but also have a bad squad faced collectors, who on motorcycles through the city to stand up to the homes of delinquent customers, regardless of time and force them to give them something of money owed “to cover his own day.”

Mexico’s banking harassment is against the law

Unfortunately, many Mexicans are victims of harassment and abuse of the banking institutions for fear of being seized and the lack of legal framework. In 2007, the first room of the Supreme Court of Justice (SCJN) resolved that “it is unconstitutional banks to relinquish their nonperforming loans to delinquent customers and private firms of lawyers to dispute the payment required. ”

On the other hand, both Commission National Banking and Securities (CNVB) the Condusef has stated that the harassment banking institutions is against the law for what they have offered both a website and a hot line for them to report the account holders and are for attention.

No doubt, banks are entitled to claim payment of the debts of citizens who use their services, however the resolution of disputes between banks and customers should be given in a framework of respect for the law, Otherwise you can avoid the risk that banks are awarded powers that are not theirs and that the harassment becomes normal or acceptable in Mexican society.