Now quite often you can face a situation related to non-repayment of loans. Collector is called to fight this phenomenon. This is a specialist whose activities are aimed directly at collecting money from the debtor. Simply put, a collector is a professional debt collector. In the CIS, such a business is very young. If in the states there are thousands of companies providing collection services, then in Russia there are only about 100 such organizations.
What to do if for some reason you did not pay off the loan and the collector called you? This is not as scary as it might seem at first glance. There are many methods that will help you behave correctly in a conversation with such a specialist, as well as arrange the situation in the most beneficial way for yourself. However, you need to understand that the fight against collectors is an activity that involves some risks. But let's talk in more detail about the methods of struggle. The first option to remember when a collector calls you is the legal method. Its essence lies inshifting emphasis on the correctness of the compilation of various documentation.
The very first thing you need to do is re-read the loan agreement. It should indicate whether the bank has the right to transfer your debt to a third party. If there is no such clause in the contract, there is a direct violation of bank secrecy. If the right of transfer is present, ask the collector for a copy of the agreement between his organization and the bank or a power of attorney that gives the collector the right to represent the interests of the bank.
Also require that all copies provided by the collector be certified by the signature of the official, as well as the seal of the bank. In the event that the papers are in order, ask for confirmation of the authority of the person who signed all these copies. The main thing to remember is that you will be responsible for unpaid debt only after a court decision.
As you can see, if the collectors call you, it's still not so scary. Remember that the collector is also a person, and therefore it is quite possible to fight him with psychological methods. Here it is necessary to use the technique of communication correctly, as well as to have good control over your emotions.
One of the goals pursued by the collector is to draw up the correct psychological portrait of his interlocutor.
You need to make sure that your portrait created by him does not correspond to reality. This mistake will not allow you to apply the correct method of work in relation to you. You should not avoid talking to the collector, but do soto keep them in order.
At the end of each conversation, agree on a time for the next call. After that, do not pick up the phone until the time you agreed on has arrived.
Remember that debt collectors never want to take things to court. Most often, it is far from profitable for them, since legal costs can turn out to be much more than your debt. So sometimes it's enough just to say that they can sue, and then they can leave you alone.
