zlacker

Who defines what is a legitimate business purpose? Let's say I comply with all that, but someone makes a complaint and particularly bitter civil servant judges that the collection is not legitimate, because he doesn't like the content of the website?

>>merino+(OP)
That’s like arguing that we shouldn’t have laws in case a cop is having a bad day and follows you around writing tickets. This is a legal process like anything else: your standard should be what you’re comfortable defending in court. Being able to show a good faith decision process, compliance with common industry practice, etc. are going to help the case that any lapse was unintentional.

If your angry ex is hired by a regulator you’d appeal it but there’s no reason to think that’s a common problem.

>>acdha+V2
But appeal might take forever and by the time it is resolved you file for bankruptcy because the fine ruined the cash flow. I've seen in it many times in the EU, for example in Poland. Civil servants are immune from taking responsibility and if you manage to get any compensation you'll find yourself spending years in courts.