BEST can contact you on behalf of the entity with which you have financial arrears (e.g. on behalf of a bank or a mobile operator) or on behalf of an entity to which your debt has been sold (e.g. on behalf of BEST I NSFIZ).
If the client fails to comply with the terms of the contract, the creditor has the right to transfer the case to another company or sell their claims.
Personal data protection is our priority; therefore, out of concern for our clients' security, we always confirm the identity of the person that we talk to on the phone.
BEST operates in accordance with the Principles of Good Practices (Debt Collection), which regulate, among other things, the frequency of contacts with debtors. Staying in touch is extremely important. In this way you have an impact on how your case is handled and you receive current information on subsequent measures that we undertake. During each call we help you to find the best way out of your current situation.
You can contact us by phone, e-mail or ordinary mail. All communication channels to contact BEST are listed in the CONTACT tab.
BEST offers various forms of debt repayment. Contact our consultant by phone and he/she will help you choose the most convenient arrangement.
The amount of the instalments depends on the progress of your case, the amount of debt and your financial capabilities. In order to determine the most advantageous form of repayment, please contact BEST by phone.
Yes. You should send back a contract with your signature using the enclosed envelope within the prescribed period. This is the basic document confirming that the case will continue to be handled in an amicable manner.
You can close the case at any time by paying off the whole debt. To do this, you should call a BEST consultant to get the accurate information about the outstanding amount.
You are a member of the immediate family of the deceased, so you are in the circle of statutory heirs. In accordance with the provisions of the Polish Civil Code (Article 922 § 1 et seq.), upon the death of a person, all rights and obligations of the deceased pass to his/her heirs.
BEST S.A. cooperates with the largest Credit Reference Agencies (BIGs) in the market. If they have you on record, it may result in difficulties in signing contracts (including hire purchase contracts) with TV operators, phone operators, banks and other entities.
In order to have your record struck from a Credit Reference Agency's files, you should repay your debt or contact a BEST consultant to arrange the repayment in instalments.
BEST enters its clients into the Credit Information Bureau's (BIK) files. In order to update your status with BIK, you should repay your debt and report the fact to the entity that has reported you to BIK.
BIK is an abbreviation of the Polish name of the Credit Information Bureau (Biuro Informacji Kredytowej) – an entity whose services are used by banks. BIG is an abbreviation of the Polish name of the Credit Reference Agency (Biuro Informacji Gospodarczej) – an entity whose services are used not only by banks but also by other institutions and enterprises.
Yes, if you default on your debt-related payments, we charge late payment interest (commonly referred to as “penalty interest”).
Discontinuation of the enforcement procedure by a judicial enforcement officer is not tantamount to debt remission. Following the discontinuation of the enforcement procedure, the creditor may refer the case again to a judicial enforcement officer. Throughout the entire time, contractual interest may accrue on the debt. So do not wait – contact a BEST consultant and ask about the available forms of repayment.
If this is the case, it is best to immediately contact BEST to avoid the litigation process. This is possible provided that we agree the terms for repayment of your debt.
If this is the case, it is best to immediately contact the judicial enforcement officer's office in order to agree the terms for repayment of your debt.
Sensitive data is a group of specifically protected personal data, in particular data concerning health, addictions and religious denominations. BEST is not authorised to process such data.
If this is the case, you should report the fact immediately to the police or the public prosecutor's office and contact a BEST consultant.
To do this, please send to BEST a signed power of attorney, authorising the third party to contact us on your behalf. You can download a specimen POA in the DOCUMENTS FOR DOWNLOADtab.
All phone conversations with BEST employees are recorded and processed in accordance with the provisions of telecommunications law so as to ensure security for our clients.
BEST processes your personal data based on the agreement with the creditor so as to carry out debt collection activities. Such data makes it possible for us, among other things, to confirm the identity of a person that we talk to on the phone, which excludes the risk of disclosing information on your debt to third parties.
BEST does not charge any additional costs in connection with its debt collection activities.
You have the right to file a complaint, which may be done:
- in writing – personally at each office of BEST S.A. indicated on our website www.best.com.pl or by sending your complaint to the following mailing address: BEST S.A. ul. Stoczniowa 2, 82-300 Elbląg;
- verbally – personally to be recorded in a report drafted during the Customer’s visit at an office of BEST S.A. indicated on our website www.best.com.pl;
- electronically – by e-mail sent to: firstname.lastname@example.org.
A complaint regarding financial services may be submitted by telephone on +48 (58) 769-92-00. In this case, a response to the complaint is sent in writing and if requested by the Customer, electronically to an e-mail address provided by the Customer.
Each complaint should include the data allowing us to verify the Customer submitting the complaint, in particular the first name and surname or company name, PESEL or REGON number, residence/seat address and a detailed description of the object of the complaint.
The complaint is considered within 30 days of its receipt and in particularly complex cases, within no more than 60 days.