If you haven't been called, you've probably heard of cases where representatives of loan companies call citizens and ask about people they don't know. Naturally, the question arises as to where they got the number, or who has the right to provide your contact information anywhere without your consent.

In this regard, lawyer David Kldiashvili explains that it is likely that borrowers themselves indicate the numbers incorrectly, randomly. After a problem arises, the borrower calls the number they indicated.

However, as the lawyer says, if a citizen does not know the problematic borrower and does not want to be called again, there is a relevant regulation that he can use. According to Davit Kldiashvili, in such cases, the National Bank is obliged to respond to him and remove the phone number from the database.

"Theoretically, it's possible that when a person takes out a loan and is asked to name a contact person, they could give someone they don't know and the wrong phone number. Then, when the loan goes into default and goes to the loan originator company, they call the contact person they provided."

I've also had it happen in my practice when someone calls me and asks me if I know a specific person. I tell them I don't, and they don't call me back after that.

"If you refuse and they still continue to call, this is a violation of the law. There is a special legislation of the National Bank that regulates such types of relationships, called the Code of Ethics. In this case, citizens can contact the NBG's Consumer Rights Protection Department and request that their number be removed. This organization may even be fined for this," says Davit Kldiashvili.