mercoledì 2 maggio 2007

Un esercito di cattivi pagatori


Di cosiddetti “cattivi pagatori” negli ultimi tempi è piena l’Italia. Basta aver pagato con ritardo (e non sempre per proprio dolo) una o più rate di un finanziamento, prestito o mutuo che sia, e ci si ritrova in men che non si dica schedati nei cosiddetti SIC, Sistemi di Informazioni Creditizie (ex centrali rischi private). In pratica viene totalmente inibito ogni accesso al credito, favorendo peraltro in alcuni casi più difficili “soluzioni alternative” poco ortodosse.

Queste società in Italia sono tre (la CRIF di Bologna, la CTC di Milano e l’Experian di Roma) e sono direttamente finanziate dal sistema creditizio (banche e finanziarie), detti per questo enti partecipanti. Sono in pratica degli immensi archivi alimentati dalle informazioni che inviano direttamente gli istituti di credito sia in fase di istruttoria di una richiesta di finanziamento, sia nel corso del finanziamento stesso che alla conclusione, anticipata o a termine che sia.

I SIC possono gestire sia informazioni di tipo positivo-negative o solo negative, come nel caso della CTC di Milano; a questi archivi, come si è poc’anzi detto, hanno acceso diretto solo gli enti partecipanti, quindi banche e finanziarie, che li consultano ogniqualvolta un cittadino inoltra una richiesta di finanziamento. Se all’atto della consultazione dovesse risultare che il cittadino in questione ha avuto in passato dei ritardi nel pagamento di alcune rate, la richiesta verrà inevitabilmente bocciata. Risulta poi del tutto inutile rivolgersi ad un altro istituto, in quanto l’esito sarà invariabilmente il medesimo; ciò avviene in quanto tutti gli istituti di credito accedono alle stesse fonti informative (i SIC, appunto) e quindi le informazioni ricevute sono esattamente le stesse per tutti.

La nascita di queste società, iniziata a partire dai primi anni ’90, si è resa necessaria per snellire le istruttorie dei finanziamenti e soprattutto per cercare di limitare le frodi, di cui gli istituti di credito sono stati in passato (in parte ancora oggi) sovente vittime; bastava infatti inoltrare delle richieste multiple di finanziamento a più istituti diversi e poi, una volta accolte, sparire semplicemente col bottino. Ora ciò non può più avvenire, in quanto tutti gli accessi al credito vengono registrati tramite la consultazione nei SIC, di cui rimane una traccia che tutti gli istituti possono vedere nelle successive consultazioni.

Veniamo ora al nocciolo della questione: se questo sistema funziona così bene, perché ci sono migliaia di cittadini che lamentano di non avere alcun accesso al credito, pur non avendo commesso nessuna infamia? Le risposte al legittimo quesito sono fonadamentalmente tre:

L’estrema facilità con cui gli istituti di credito hanno finora segnalato il ritardo degli utenti, anche se si trattava di importi irrisori, ritardi minimi e spesso neanche imputabili al cliente stesso (RID non pagati, disguidi bancari o postali,ecc.);


Il cospicuo e sistematico superamento dei tempi massimi di conservazione dei dati negativi previsto dalle leggi da parte dei SIC;

L’assenza per lungo tempo di una normativa chiara, efficace e vincolante sulla spinosa materia.


Analizziamo ora i tre punti: gli istituti di credito hanno la pessima abitudine (più volte stigmatizzata dall’ Autorità Garante per la Protezione dei Dati personali) di segnalare i loro clienti per un nonnulla; questo ha fatto sì che il fenomeno dei “cattivi pagatori” si sia allargato a macchia d’olio, assumendo proporzioni gigantesche. Un “esercito” di innocue casalinghe, onesti operai, impiegati e padri di famiglia trasformati d’un tratto in pericolosi criminali per il solo fatto di aver pagato anche una sola rata in ritardo, il più delle volte senza alcun intento doloso, ma magari perché quel giorno c’era troppa fila alla posta o motivazioni simili.
La questione si dovrebbe essere risolta con l’entrata in vigore (dal 01/01/2005) del nuovo Codice di Deontologia e buona condotta dei SIC, una normativa da anni invocata che mette finalmente ordine e chiarezza nella materia. Nel testo, consultabile sul sito Internet del Garante (http://www.garanteprivacy.it/) viene stabilito che si possono segnalare ritardi solo superiori alle due rate consecutive, e ne va dato specifico avviso al cliente con 15 giorni di preavviso; si dovrebbero così evitare tutta una massa di segnalazioni incongrue.

Per quanto riguarda il superamento dei tempi massimi di conservazione dei dati negativi, si tratta di un’altra pessima abitudine dei SIC: quindi non solo segnalati, ma anche a vita!! Già un provvedimento generale dell’ Autorità Garante del 31 luglio 2002 stabiliva un tempo massimo di conservazione di dati negativi di 12 mesi dalla data di estinzione o regolarizzazione del finanziamento.
Questa prescrizione è stata a lungo disattesa dai SIC, in quanto ritenuta (a torto) non vincolante; con la nuova normativa citata poc’anzi, invece, i tempi massimi di conservazione sono certi e pari a:

12 mesi, per ritardi fino a 2 rate o 2 mensilità;
24 mesi, per ritardi superiori alle 2 rate anche sanati su transazione;
36 mesi per gli insoluti.

Allo scadere dei tempi massimi di conservazione dei dati negativi, i SIC devono cancellare automaticamente questi dati, senza bisogno di alcuna richiesta da parte del cliente.


Per quel che concerne invece l’ultimo punto, possiamo affermare che si è per anni invocata da parte dei clienti e delle Associazioni dei consumatori una normativa che fosse finalmente in grado di fare chiarezza su una materia rimasta finora assai oscura e dare ai consumatori delle legittime certezze.
Dopo lungo tempo, si è arrivati alla fine del 2004 ad approvare una nuova normativa denominata “Codice di Deontologia e buona condotta” dei Sistemi di Informazioni Creditizie, che è entrata in vigore dal 1 gennaio 2005.

Questa normativa regolamenta di fatto l’intera materia, introducendo degli elementi di certezza nei rapporti tra cittadini, istituti di credito e SIC; vengono quindi codificati i comportamenti da adottare da parte dei SIC e degli enti partecipanti, ossia banche e finanziarie. Questa normativa ha effetto vincolante sui destinatari dalla data di entrata in vigore. Alla stesura del testo, durata ben due anni, hanno partecipato anche associazioni di categoria rappresentanti i consumatori, gli istituti di credito ed i SIC.

Ricordo nuovamente per quanti volessero approfondire l’argomento che il testo integrale del nuovo “Codice di Deontologia e buona condotta” dei SIC è consultabile sul sito Internet dell’ Autorità Garante per la Protezione dei Dati Personali all’indirizzo http://www.garanteprivacy.it/.

Vorrei ribadire ancora una volta per coloro che non conoscono la propria posizione nei SIC che è diritto di ciascun cittadino, ai sensi dell’ Art. 7 della legge 196/2003 (ex 675/1996), richiedere l’accesso ai propri dati personali contenuti nei SIC: si tratta di un’operazione semplice e gratuita; basta infatti inoltrare una richiesta firmata dal diretto interessato via fax allegando solo la fotocopia del documento d’identità e del codice fiscale. Dopo circa 20/25 giorni si riceve una lettera al proprio domicilio da parte del SIC interpellato con le informazioni richieste, ribadisco gratuitamente.
Suggerisco sempre di inoltrare tre richieste distinte, visto che i SIC in Italia sono tre, quindi una per ciascuno: si riceveranno quindi tre risposte tramite lettera.

Qualora infine dalle risposte ricevute ci si accorgesse che risultano ancora dati negativi riferiti a finanziamenti che abbiamo già estinto prima del 01/01/2005, quindi prima dell'entrata in vigore del nuovo Codice Deontologico, possiamo in quel caso inoltrare direttamente al SIC che li detiene una formale richiesta di cancellazione essendo scaduti i tempi massimi di conservazione previsti dalla normativa precedente (31 luglio 2002).



A distanza di oltre due anni dall'entrata in vigore della nuova normativa ci auguriamo che si semplifichino i rapporti, oggi non troppo idilliaci, tra istituti di credito e clienti, nella speranza per questi ultimi di una maggiore facilità di accesso al credito.

209 commenti:

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Ciao, normalmente non faccio spot ai miei post, ma ricercando l'argomento sono capitato qui e siccome, oggi, ospito un amico avvocato che sta trattando l'argomento penso che magari ti possa interessare, ecco quindi il link, ti prego di scusare l'invasione
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