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How to knock out money for overdue loans: 7 facts from the former collector
Bashny.Net
situation with consumer lending in Russia is striking: nearly every modern adult has a debt to the bank, and even more than one. If the delay on the loan are becoming too frequent, the bank has the right to sell the debt collection office -. Professional beater debt Website publish the story of the former employee of the Office, from which it becomes clear how the collectors and why it is better not to get them in hands.
1. Embossing debts can not kazhdyyDlya such cases need guys with hardened nerves - most are former employees of law enforcement agencies. Perfectly suited to such cases "thick-skinned" serving prison system, for various reasons, the remaining without a job, the former military. But most of all agencies in the immigrants from the Interior Ministry. Talk in raised voices they do not get used. Psychologists attribute this resistance to stressful conditions with the professional deformation of the person.
2. Bonuses for most embossed debt agencies to encourage collectors provided premium - a percentage of the sum of them embossed. That is not got the money to the borrower - was hungry
3.. Purchase dolgovTe offices that buy debt massively (from unpaid bills for the phone to many thousands of bank loans), as a rule, has a staff of well-trained collectors. From the point of view of the law in these agencies are all relatively transparent.
Client Processing is carried out in several stages. "According to our teams," applets "(similarity of personal affairs of the borrower) spread out only after the client failed" ratchet ", - explains the former collector
. - But there's little that's the most persistent defaulters. If the task has fallen down to us, the size of the debt is not important, at least a hundred rubles, a hundred thousand. We use all the available arsenal.
4. As a "ratchet" harassed nerves "ratchet" on the professional slang called exhausting debtor dialer system with the use of computer technology. That is, a special machine with a certain time interval dials home, the borrower's mobile phone, and reminds him of the obligations. set time intelligent system calculates according to the time zone, the number of responses to the call - the robot human frequently guess when the defaulter is home
5.. Dirty priёmy- If the borrower is not going to pay the bills, shall apply other measures of influence, there is already switched on imagination and creativity - ironically our interlocutor - Immediately say, our actions were not of a criminal nature. I have known cases, When called to the school, where children of the debtor, and asked teachers to discuss at the parents' meeting inability to pay the bills parents Vasey and Petit. Or do come into contact with the debtor's children by phone or in person. If the son or daughter ask, "Daddy, why do not you give away other people's money?" Is unlikely someone will not pay after this, not because of iron. Although there are those who do not pay ever. At this point, not all collectors have enough self-control. Hard work, however, and left.
Some try to mentally crush their prey. A very popular method - accommodation in the area of the insolvent borrower accommodation leaflets offensive content, where the debtor is charged with a variety of infamy, from addictions to serious crimes
. Through social networking friends of the victim collectors send messages insolvency of their comrade, are advised not to trust him in anything and do not lend money. Another popular hit below the belt by the debtor - placement of his phone numbers on websites of erotic services
6.. Most opasnye- much more dangerous reservoirs another level with a "residence permit" private security firms - continues our guest. - They beat out a serious amount, and we are talking about these criminal groups. < There's the violence, and property damage. These guys can easily set fire to the car. Of course, in the capital and other major cities such teams get quickly into the field of view of the police, but in the regions they are usually serious patrons.
A few years ago, they made life hell a Muscovites. Her only fault was that once she was married to the hapless borrower.
- My client and her husband divorced long before he had time to take out a loan and owes the bank about 200 thousand rubles, - says head of the Legal Center "Man and Law" Mars Tarasov
. - There were personal data collectors woman, and they just did not give her a pass, called, sent letters demanding money. She complained to the district, but to no avail - to institute criminal proceedings was refused. In the end, her dacha in the suburbs came brazen thugs and stated that it will take away the things on account of debt. While there her uncle started the moped and told Hammam that he was going for the police. Then one of the collectors took a traumatic gun and repeatedly shot him. Injuries were fatal.
< The former employee of the Metropolitan Police, Vladimir D. collector was found guilty of murder.
7. And the law? .. Blind clear that such tragedies occur due to a legal vacuum formed around the activities of collectors. The structures involved in the recovery of arrears, have emerged on the market, together with the proliferation of consumer lending. But the legal mechanisms that regulate this activity, still do not work. And Bill theme is designed for a long time. But lawmakers are seeking a compromise to please and credit institutions, and individuals, and collectors. Meanwhile, the dashing people regularly go too far with impunity terrorizing debtors. Only egregious crimes reveal the enormity of the situation of those who conspired against creditors.
via toomth.livejournal.com/4204485.html
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