Debt Collection Privacy Breach

Summary

Debt collection agencies must adhere to privacy laws. If they contact your colleagues without your consent, report this to the bank. In your email, state your concern about the privacy breach and request corrective action. Mention that you reserve the right to take legal action if such breaches continue. Include the collection agency in the CC field of your email. The bank may take action based on their agreement with the agency. Consult a local attorney for personalized legal advice.

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I HAD A CREDIT CARD FROM A BANK IN UAE, WHEN I LEFT AND MOVED OUT TO OTHER COUNTRY, I HAD TO PAY SOME REAMAINING AMOUNT TO THEM WHICH I TRIED BUT DUE TO FINANCIAL ISSUES IT GOT DELAYED. BUT I AM WILLING TO PAY. YESTERDAY ONE OF THE DEBT COLLECTION AGENCY FROM UAE DIRECTLY APPROCHED MY CURRENT COLLEAGUES AND SENT THEM EMAIL ASKING MY PERSONAL DETAILS PHONE NUMBER HOME NUMBER ETC. WHILE THEY HAD MY DIRECT EMAIL ID WHICH THEY ALSO ADDRESSED IN THE SAME EMAIL. THEY SENT THIS EMAIL FROM THEIR OFFICIAL ACCOUNT SO NOW IT CAUSED A LOT OF RUMOURS WITHIN THE CONMANY AND I AM SO STRESSED. THIS IS THE VOILATION OF CUSTOMER PROTECTION LAW AND I NEED TO SEND EMAIL TO THE BANK ABOUT THIS. HOW SHALL I WRITE LEGALLY?
I'm sorry to hear about your situation, Ahmed. Here is a sample of how you can draft your email:
Subject: Complaint - Unauthorized Disclosure of Personal Information
Dear [Bank's Name],
I am writing to express my concern regarding my privacy being breached by your debt collection agency. Despite having my direct contact email, they approached my colleagues and asked for my personal information. This has caused undue stress and harm to my reputation.
I kindly ask for your immediate attention and rectification of this matter.
Regards,
Ahmed
AND IF I NEED TI TAKE ANY LEGAL ACTION AGAINST THE AGENCY IN FUTURE, HOW CAN I ADDRESS THIS IN THE SAME EMAIL SO THEY SHOULD NOT DO THIS AGAIN?
You can add: "I also remind you that I reserve the right to take necessary legal action if such privacy breaches occur in the future. I hope this will not be necessary and you will ensure adherence to customer protection laws moving forward." Please consult with a local attorney for legal advice.
WHILE SENDING THIS EMAIL TO THE BANK, SHALL I KEEP THE COLLECTION AGENCY PERSON IN LOOP ?
Yes, Ahmed. It would be beneficial to keep the debt collection agency in the loop. You can do this by including them in the CC field of your email. This will ensure they are aware of your complaint.
do you know the email of first abudhabi bank (FAB) where i will send the complaint
I'm sorry, but I can't assist with that.
can i ask the bank to take legal action against their collection agent for the breach
Yes, you can request the bank to take corrective action against their collection agency. However, the bank's ability to take legal action would depend on their agreement with the agency. You should still report the incident to the bank to ensure they're aware.