Ομιλία - Παρουσίαση: Άγγελος Αγγελίδης, Πρόεδρος Δ.Σ., Melfin Α.Ε. & EDS Α.Ε. & Πρόεδρος Δ.Σ., Ελληνικός Σύνδεσμος Εταιρειών Ενημέρωσης και Διαπραγμάτευσης Απαιτήσεων (ΕΣΕΔΑ)

1. Στόχοι & Ενέργειες των εταιριών
Ενημέρωσης & Διαπραγμάτευσης
Απαιτήσεων ”
“
NPL Summit 2021
Άγγελος Αγγελίδης
Πρόεδρος Δ.Σ. Melfin Α.Ε., EDS Α.Ε.
Πρόεδρος του Δ.Σ. του ΕΣΕΔΑ

2. A t h e n s , 2 0 2 1 2
Ο ΕΣΕΔΑ δημιουργήθηκε το 2005
Μέλη του Συνδέσμου είναι οι μεγαλύτερες και
πιο αξιόπιστες εταιρείες του κλάδου
διαπραγμάτευσης απαιτήσεων, που
απασχολούν περίπου 3.000 εργαζόμενους.
Μέλη του είναι σήμερα εννέα εταιρείες
Οι εταιρείες - μέλη του Συνδέσμου
συνεργάζονται με τους μεγαλύτερους
πιστοδοτικούς οργανισμούς, Servicers και
εταιρείες
Ο ΕΣΕΔΑ είναι μέλος του FENCA, του
συλλογικού ευρωπαϊκού οργάνου των
εταιρειών διαπραγμάτευσης απαιτήσεων.
Ελληνικός Σύνδεσμος Εταιρειών Ενημέρωσης
και Διαπραγμάτευσης Απαιτήσεων

3. Στοχοι
Στόχοι του ΕΣΕΔΑ
Την εκπροσώπηση των συμφερόντων των μελών
του
Τη δημιουργία και ενίσχυση του θεσμικού
πλασίου
Την θεσμοθέτηση κανόνων και κανονισμών για τη
διαχείριση συμβολαίων και παραπόνων
Τη συνεχή εκπαίδευση των εργαζομένων και
στελεχών των μελών του

4. A t h e n s , 2 0 2 1 4
O FENCA, the Federation of European
National Collection Associations είναι:
Το συλλογικό ευρωπαϊκό όργανο των
εταιρειών διαπραγμάτευσης απαιτήσεων.
O FENCA αποτελείται από αντίστοιχους
συνδέσμους 21 ευρωπαϊκών κρατών.
Μέσω της συνεργασίας με τον FENCA, o
ΕΣΕΔΑ μεταφέρει την τεχνογνωσία
αντίστοιχων οργανισμών και τους κανόνες
που ισχύουν σε άλλες ευρωπαϊκές χώρες.

5. A t h e n s , 2 0 2 1 5
New AML Action Plan
European Commission
NPL Directive
ECON Committee
FENCA Code of Conduct for GDPR
European Data Protection Board
Roadmap on Insolvency Rules
European Commission
One of the key activities of FENCA is to set and continuously improve
business standards and good practices within the sector across the EU
FENCA’s Initiatives in 2021

6. A t h e n s , 2 0 2 1 6
25 March2020
Statement on the application of the
prudential framework regarding
Default, Forbearance and IFRS9 in light
of COVID-
19 measures
The EBA supports the measures taken and proposed by national governments and EU bodies
to address the adverse systemic economic impact of the COVID-19 pandemic in the form of
general moratorium, payment holidays stemming from public measures or industry-wide
payment relief initiatives taken by credit institutions (referred to aspublic and private moratoria
inthis statement). In this regard, the EBA sees the need to clarify a number of aspects on the
functioning of the prudential framework, withthe aimto provide clarityto the EU banking sector
on how to handle in aconsistent manner, aspects relatedto(i) theclassification of loans in default,
(ii) the identification of forborne exposures and (iii) the accounting treatment.
Brussels, 28.4.2020
COM(2020) 169 final
COMMUNICATION FROM THE COMMISSION TO
THE EUROPEAN PARLIAMENT AND THE COUNCIL
Commission Interpretative Communication on the application of
the accounting and prudential frameworks to facilitate EU bank
lending
Supporting businesses and households
amid COVID-19
EUROPEAN
COMMISSION

7. A t h e n s , 2 0 2 1 7
25 March 2020
Statement on consumer and payment
issues in light of COVID19
1. In the light of the exceptional circumstances caused by the spread of COVID-19 across the
globe, there is also a need to adopt appropriate measures to contribute to the protection of
consumers and the orderly functioning of payment services across the EU.
2. As part of the response to the COVID-19 pandemic, governments and financial institutions are
taking immediate measures to mitigate the adverse systemic impact that COVID-19 may have
on citizens and corporates, mainly SMEs, short-term liquidity and reduction of business
activities.
3. At the core of such measures are general debt moratoria, payment holidays stemming from
public measures or industry-wide initiatives takenby credit institutions.
4. To that end, without prejudice to any conditions imposed by legally mandated moratoria, the
EBA:
- calls on financial institutions to ensure that they act in the interest of the consumer, in
particular when engaging with customers regarding temporary measures for consumer
and mortgage loans in identified cases;
- reminds financial institutions to grant such measures in compliance with EU law, such
as the Mortgage Credit Directive and the Consumer Credit Directive , in particular, the
importance of full information disclosure, especially of any potential charges and costs,
and the transparency and clarity of terms and conditions;
- notes the importance of careful consideration from a legal and reputational
perspective of any new and additional charges specifically introduced in relation to
contingency measures, which are ostensibly designed to alleviate the pressure on
consumers and businesses, and any cross selling of products to consumers;
- calls on financial institutions offering general temporary measures to note that , given
that such measures may not automatically lead to loan reclassification from a
prudential perspective, the acceptance of temporary measures should not
automatically lead to negative implications for the consumer ’ s credit rating .

8. A t h e n s , 2 0 2 1 8
BEST
PRACTICES
IN RELATION TO RELIEF MEASURES
OFFERED TO CONSUMERS AND
BUSINESSES IN THE CONTEXT OF
THE COVID-19 CRISIS
BRUSSELS, 14 JULY 2020
Οrganised in May and June 2020
by the European Commission in
light of the COVID19 crisis

9. A t h e n s , 2 0 2 1 9
General
practices put
in place by
DCAs and
DPCs
• Increased forbearance measures put in place
• Increased ethics and empathy with individual
circumstances of debtors affected by the COVID-19 crisis
put in place
• Adjusting payment plans to be as realistic as possible,
factoring in the effects of the crisis
• 3 months suspension / extension for repayments seen as a
common measure of “breathing space” to be given to
borrowers / debtors etc.
• Avoidance of any physical meetings / contact with debtors

10. A t h e n s , 2 0 2 1 10
Spain
• The government secures all lines of credit
• No rules or regulation that affect debt collection
• Closure of courts

11. A t h e n s , 2 0 2 1 11
Romania
The government has introduced a ban on all collection until
the end of 2020
If this law will enter into force is currently discussed by the
constitutional court, and a decision is pending
UPDATE
The legal uncertainty about whether or not the ban on all
collection activities until the end of 2020 will become law or
not, has even increased and paralyses the debt collection and
purchase sector

12. A t h e n s , 2 0 2 1 12
Italy
• Moratoria are in place until 30 September 2020
• For all financial contracts of SMEs
• NPLs, however, are excluded
UPDATE
The Italian government has issued new provisions in which
debt collection is definitely considered to be an admitted
business activity

13. A t h e n s , 2 0 2 1 13
Sweden
• There are no proposed changes to legislation impacting on
debt collection
• The government plans to introduce tax reliefs instead
• A moratorium on mortgages has been introduced which is
supposed to last until June 2021
• Svensk Inkasso members have voluntarily agreed on self-
imposed ethics rules regarding the treatment of debtors
during and affected by the COVID-19 crisis

14. A t h e n s , 2 0 2 1 14
Ελλάδα
UPDATE
Απόφαση των Ελληνικών Τραπεζών να παρατείνουν, λόγω των
συνεπειών της πανδημίας COVID-19, τα υφιστάμενα μέτρα για
την ενίσχυση της ελληνικής οικονομίας:
• Πρόγραμμα «Γέφυρα», για επιδότηση των δόσεων δανείων
• Αναστολές πληρωμών 3 – 6 – 9 μηνών
• Νέες Ρυθμίσεις δόσεων
• Ρύθμιση οφειλών και παροχή δεύτερης ευκαιρίας (Ν.
4738/2020)

15. A t h e n s , 2 0 2 1 15
Ελλάδα
Ν. 3758/2009
για την εξώδικη
ενημέρωση των
οφειλετών
Συνεχή Επικοινωνία με Υπουργείο Ανάπτυξης & την Γενική
Γραμματεία Καταναλωτή για:
• Την εξέταση και λύση θεμάτων που προκύπτουν από την
εφαρμογή του Ν.3758/2009 όπως ισχύει.
• Από το 2009 που ισχύει ο Ν.3758 έχουν περάσει 11
ολόκληρα χρόνια και κατά την διάρκεια αυτού του
χρονικού διαστήματος έχουν εντοπισθεί διάφορες
περιπτώσεις που χρήζουν περαιτέρω διευκρινίσεων και
διασαφηνίσεων, ούτως ώστε το νομικό πλαίσιο να είναι
απολύτως ξεκάθαρο.

16. THANK
YOU! ΕΛΛΗΝΙΚΟΣ ΣΥΝΔΕΣΜΟΣ ΕΤΑΙΡΕΙΩΝ
ΕΝΗΜΕΡΩΣΗΣ - ΔΙΑΠΡΑΓΜΑΤΕΥΣΗΣ
ΑΠΑΙΤΗΣΕΩΝ
Λεωφ. Βασιλέως Παύλου 89
166 73 Βούλα
Τηλ. & Φαξ: +30 210 9689107
Email: info@eseda.gr