A loan not repaid on time or a delay in the next payment for more than three months in a row often leads to the fact that banks transfer your business to collectors. Translated from English, a collector is, in fact, a collector, configured to collect the required amount of debt by various effects on the debtor. It is important to know how to properly behave with collectors in order to avoid unpleasant consequences, including in terms of health.
Instructions
Step 1
First of all, don't panic. Collectors are not bailiffs, and they have much less legal rights. For example, they cannot enter your house if you do not want to. And frequent calls after 22-00 on their part can generally be equated with telephone terrorism and contact the police.
Step 2
Read carefully the terms of your agreement with the bank. If it is indicated in the relevant paragraph that in the event of the forced transfer of your data to third parties (which are the collectors), the bank is obliged to notify you about this, and you have not received any letters or notifications - therefore, collection activity in relation to you can be safely considered an unauthorized initiative of the bank. And all unilateral actions of the bank that are not prescribed in the contract and not agreed with you can be challenged in court.
Step 3
If you do not want to communicate with the collector, call the bank hotline and describe the current situation. Mention that you are willing to pay as soon as you overcome financial difficulties. Many banks meet their clients in such cases and apply debt restructuring with interest recalculation.
Step 4
In the case when it is already impossible to agree with the bank, try to negotiate with the collector. In a telephone conversation with the collector, be polite and calm. Be sure to keep a record of your conversations! Before starting the conversation, notify the collector that the conversation is being recorded by the phrase: "Please wait, I will turn on the recording." Even if it is a bluff on your part, and you are not going to record the conversation or do not know how, use this phrase anyway. Some unscrupulous collectors hang up immediately after such a phrase of yours, because they are afraid of publicity and your going to court.
Step 5
If after the phrase about the record, the collector is still on the wire, ask him to give his full name, name of the organization and the position held. Write down this information in your notebook, it may be useful to you. Also ask for the telephone number of the head of the organization. After all, you must make sure that the person really works there. The collector can tell you any mobile phone number, so ask for a landline number. Any officially registered organization must have a landline phone number. This is not a secret military base.
Step 6
Most often, collectors in a telephone conversation try to exert psychological pressure, using the teacher's notational tone when talking with a naughty student, or outright rudeness. If you find this tone unacceptable, ask the collector to change it, otherwise the conversation will be over. Stop any questions about your personal life or phrases accusing you of fraud. After all, you are not being questioned by the investigator, and no one has yet canceled the presumption of innocence. You can only answer questions about debt - the reason for the debt, the approximate time frame for solving the problem.
Step 7
When collectors appear at your workplace, ask for their IDs to make sure they are not people from the street. Politely ask the collectors to wait until the end of the working day or set a different date and time for the conversation. They have no right to distract you while you work. As well as detaining you and demanding to go with them. This requires police and court sanctions. In case of rude behavior of collectors with the use of physical force, feel free to call the security or the police.
Step 8
Do not fall for the provocations of the collectors. They can threaten you with trial and even imprisonment. In most cases, this is just a psychological move in order to intimidate you and get the required amount of debt back faster. Many banks are in no hurry to sue debtors, as this entails unnecessary costs. And the court is not profitable for the collectors, since the collection bureaus are often incorrectly formalized in legal terms or do not have the status of an organization at all. The detention of you by collectors also cannot be carried out, since this is the authority of the police and requires appropriate grounds and evidence (for example, it was revealed that you took out a loan under a fake passport).
Step 9
Know and don't be afraid to defend your constitutional and civil rights. And in order to avoid problems with collectors in the future, soberly assess your financial capabilities when taking out a loan. Choose those banks that have a fairly significant positive reputation. It will not be superfluous to read reviews about banks, and at an appointment with a loan officer - a standard loan agreement (especially what is written in small print). Be careful and careful in obtaining a loan, and many problems associated with debt will bypass you.
