Integrity Debt Management is committed to the superior execution of debt management strategies and to acting with integrity, honesty and transparency in every transaction with every stakeholder. To that end, the owners and employees of Integrity Debt Management are required to comply, without exception, with the following code of conduct.
We will:
- Maintain and uphold uncompromising professional, ethical and moral standards in all dealings at all times.
- Act in the best interests of our clients, presenting them in the most positive light at all times.
- Act in a manner that will produce good relations with debtors.
- Use appropriate and discrete techniques for the collection of debts, avoiding techniques that are unnecessarily intrusive or oppressive to the debtor or which threaten harm or violence against debtors, their reputation or their property.
- Contact debtors at reasonable times and intervals, namely between 8.00am and 9.00pm local time on weekdays and between 9.00 am and 7.00pm on Saturdays.
- Identify themselves as collectors at the commencement of every conversation with a debtor.
- Take all possible steps to verify that the person being contacted is the debtor.
- Use clear and unambiguous language in all spoken and written communication with debtors and refrain from using obscene or profane language.
- Preserve the privacy of debtors at all times and refrain from disclosing any indication of indebtedness to any third parties, especially neighbors, relatives or employees, unless instructed to do so by the debtor. Debts may not be discussed with an employer of the debtor unless it is for the purpose of deductions from wages.
- Accept all reasonable offers by debtors to pay in installments, unless instructed otherwise.
Respond to complaints promptly and according to Integrity’s 24 hour Promise.
- Refrain from falsely implying that debtors may be arrested or deported for failure to pay.
- Refrain from threatening legal or other action which may not legally be taken or which there is no intention to take.
- Refrain from sending a document that looks like an official court document when it is not.
- Refrain from pretending to be a solicitor or a government employee.
- Refrain from implying that criminal action will be brought or that civil action has been instituted in default of payment.
- Refrain from implying that a judgment has been brought against a debtor.
- Refrain from knowingly pursuing statute barred debt unless the debtor acknowledges the debt and a willingness to pay.
- Refrain from accepting any gratuities, gifts or favours that might compromise the service, reputation or judgment of the client or collector.
- Safeguard the security of clients’ monies.
- Comply with all relevant legislation and industry guidelines in dealing with clients and debtors.
- Cooperate with qualified community counseling services and other agencies, whilst continuing to act in the best interest of the client.
