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Tuesday, June 23, 2015

Who are the collectors?

Collectors and collection agencies have appeared in the Russian reality not so long ago. This phenomenon, like many in the financial world, in Russia come from the West. Let's start with the etymology of the word - the collection (from the Latin. Collectio - fee). The collector is the same collector, that is garbage. Today, this phenomenon is taking more and more character, as the number of consumer and other loans is growing, accordingly increasing the percentage of defaulters on these loans. Despite the seeming paradox why give more loans on them if not able to recover all payments. The answer is simple. Profits are so great that it covers all costs. All of this business. All of this profit. Sometimes profit at any cost, no matter how crushed, push, intimidate the borrower - the main t
hing to pay. Collectors - just plain ordinary workers Ltd.-Company-nis, or nis that they were clearly nothing in their rights to you different from the master setup man, waiter, mechanic. The collector is not an officer, he had no specific job rights for one reason only - there is no law on collectors or collection activities, and it is beneficial to banks, by companies, all but the citizen-borrower. To clarify the situation, even now there are some courses for 2-3 months, or even less, in which collectors are prepared. Take likely to those who come to the big cities, in the hope to stay and live "gorgeous like a movie", but so far they have to survive somehow. Education at the collector if there is, it is certainly not a higher legal. If one of them is suddenly formed, it remains to sympathize. When you do not know the rights of man and citizen, I do not know how it's actually on the Law, then you can carry all nonsense, that you have trained "professionals" or, which is written in the statement. If you are even a little aware of the real situation and the possibilities of collectors, as well as realize that nothing they can not do but to inform, or to start on a slippery path of lawlessness, that carry all this nonsense becomes much more difficult. One can not help such people will ask themselves: "What kind of nonsense I am and why I'm here at work?". Stress from all sides. Not the best option, especially with a legal background.

If something can actually do, they will do if threatened, afraid, do not do it. When there is no opportunity to recover the arrears, and it is necessary, because the head of the department said that if to seek the, the prize will be, all that remains is to frighten, or follow the path of the application of cultural psychology of influence. Weight collectors begin to borrow from one another and apply the same pugalki: threaten criminal case, visiting a group inventory of the property and many others, to which imagination will suffice and illiteracy. They are afraid of them as employees of the bank and all the same that do not respect themselves. Applying high-profile names to indicate their positions trying to belong to something "power", the court, pristavskomu. In the course of such positions as specialists - all experts! There are no junior specialist, all either professionals or senior experts or senior specialists or heads of departments. When there is no real significance, it is very often like to portray. Department name also affect the immature psyche and are designed to frighten children ... such names as "department of pre-trial verification of fraudulent loans," "judicial department of the enforcement proceedings", "recovery department", "Investigation Department dodgers loans' and plenty of other options. The let in a lot of significance, the more people be led and paid for something. And this is something that's better in a way not to pay, because the collection agency could cheat a penalty, the court that it would be written off, and a week later they can call again and come up with even more debt. More than sure that if they're calling departments, Pontois each other, they will laugh at you when you pay, say what we are tough, crushed by phone that debtor.

None of the collectors do not call the legal form of the firm, although obliged, pursuant to Part 3 of Article 18 of the Law "On Personal Data". The answer to the question "Why?" Is simple. Not all that well with the phrase sounds chief of department on struggle against economic criminality of a certain company. Anyone heard LLC, thinks so, too, because the shop opposite Ltd., and the service for the delivery of clean drinking water, too Ltd., so it turns out that they did in fact can not really? The answer - yes, can not do anything. No documents, no one could only frighten or is somehow illegally affect you.

You should not apply to all collectors negatively. Let's try to look at them from the other side. The first is the same as the citizens of Russia and we are with you. So they have the same rights that we do. Secondly, they are unlikely to have gone to a collection agency because a childhood dream to be collectors. Third, any collection agency aims to profit by its founders crave fast money and it is desirable in large numbers, putting pressure on the collectors, respectively, so that they put pressure on borrowers. Fourth, probably at the collectors have a plan, how and what they should do, maybe they think of them more than the number of borrowers "forced" to pay for it is possible they have a percentage of the premium. It is not known exactly what they pay and how much it depends on the customers have paid. After all, if no one is going to pay through the collectors, they can quickly close your LLC-shku. A source other than "negotiate with defaulters payment" they do not. Fifth, the job descriptions and wiretapping, wiretapping conversations total. After all, the job descriptions not only of collection companies and banks written so much disputed in terms of the Law "On Personal Data" provisions that workers are obliged to carry out, if licensed by the Central Bank of Russia the organization is doing, what to say about the simple, anyone not controlled by the company whose only source of income - recovery. Banks on the bona fide payer row such denzhischi that neither every small state GDP for this year, they have in the past month. Sixth, many customers pass the nerves and they insulted more choice and matter collectors, and both girls too, so you know work is not sugar.

Do not think that only the collectors we have, in fact think so strange, because the word has come from the West. It is logical to assume that these firms have in the West, in Europe and America, and it is true, but there are not afraid of health threats by phone and visiting teams. There is already a system worked out. In fact, everything is simple, you just inform, wishing good day, and then served in the court, which shall decide, on as we FSSP - Federal Bailiffs Service. Needless called differently. Lending developed around the world, this is a big scam financial instrument, but more in the cultural and protsentnovmenyaemyh variations. Legal culture is much higher percentages are much lower, much has been done for the people, the state controls a lot, there are special bodies that monitor and punish, so that no one would never take the risk. It's a shame not to pay if the loan at 5% a year, without any hidden and small fonts illegal loan fees, and individual fees zakidyvanie money through an ATM of the same bank, where he took a loan. No wiring, no one holds a stupid person for milking a cow, and that's like you have to pay and not uncomfortable. Public policy is defined at all, so there spoke. State and established in order theory to organize and provide a safe, healthy and happy life for its citizens. In any area where a citizen may be discriminated against, cheated, driven into some wild conditions everywhere should be maximum control and supervision. Lawlessness is not is not because no one is trying, but because someone constantly monitors to prevent this from happening.

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