Yes. Face-to-face contacts or using means of distance communication with defaulting bank customers, promoted by the credit institution itself or other contracted entities, cannot be disloyal, excessive or disproportionate. The following are considered to be unfair, excessive or disproportionate, inter alia:

• They give the bank customer wrong, inaccurate or misleading information;

• They do not accurately identify the credit institution or service provider or do not indicate their contact details;

• They have an aggressive or intimidating content;

• They take place between 10 pm and 9 am in the bank customer’s time zone, unless expressly agreed between the credit institution and the bank customer in advance;

• They are addressed to an address, telephone number or other contact information that has not been made available by the bank customer to the credit institution, unless where the contact information relating to the bank customer is publicly accessible.