financial system in which we live today, implies the existence of a tool such as lending.It is carried out by various actors in the different spheres of activity.We've learned that there is bank lending (and, in turn, is divided into different types - consumer, automotive, housing, and so on).The principle of providing funds to the debtor one - is the formation of debt that should return after a certain time or after the occurrence of an event.
Meanwhile, the debtors are not only in the sphere of bank loans.Very often, the debt is formed after providing services in the telecommunications sector, for example.Of course, not always the debtor hurry to return.
What do to repay the debt?
In the practice of banking (and not only) relationships between entities formed a mechanism such as debt collection.This tool is not new, since it is natural that the person who gave the money in debt, wants to return them with interest, at the expense of which will be a profit.On the other hand, of course, the person who received the money loaned, unwilling or unable to repay the debt in some situations.The mechanism aims to return the debt depends on who is the creditor.
There are many stories about how it used for the formation of large debt a person could become a victim of physical violence or threats on the part of the lender.Today, if we take into account the scope of civilized bank lending, the situation has changed, and now the debt is collected in court.
laws are written so that if a man can not repay, recognized by the court, it is obliged to do so due to his property.We all know of cases where repayment of the loan taken for the apartment, car, deposits and other assets - assets that were pledged as security under the loan, and whom the debtor is to ensure the proper refund.
This mechanism is functioning well today, but despite this, it is not perfect.There is always a situation where, for example, a person does not possess any property, through which you can pay off your debt.Formed loss that takes the lender (eg bank).What to do in such a situation?In such cases involve, for example, Ltd. "Lindorff".What is it - tell you in this article.
Industry collection companies
for extreme cases where the creditor can not in any way to return the money (if we speak of course about the limits of the law), there are collection companies.Their profile - is the collection of debts.They differ from banks in that they are only a tool for "knocking out money" for people who are unwilling or unable to pay its debts.Therefore, the whole profile of these organizations - is the development of ways to influence the people to make them pay.The agency "Lindorff" can be considered one of these.
industry such companies came amid growing popularity of credit and, consequently, increasing the amount of bad debts.Profile of banks somewhat different - they are engaged in the promotion of its products and the further issuance of loans.Roughly speaking, what banking institutions to communicate with the debtor, if it can be left to professionals?
That is what, in most cases, and refer cases of those who do not pay, the collector.It is carried out under the scheme: some of "Lindorff" (what is it and how to act, we will describe later) buys from the bank's business borrower owes millions, roughly speaking, for 100 thousand (though actually it all depends on how muchhard to force a person to pay).The rest of the funds the company "knocks" on their own, getting a profit.
methods of the collectors
In fact, the methods with which the work collection companies, quite a lot.Not all of them, of course, can be called public and those about which we can speak.For example, on the website of the company says "Lindorff", that is - debt management company.This means that the agency cooperates with those who have to return the money, and those who should pay.And how to do it - is another question.
known that the method of operation of collectors depends on who the debtor, what amount should be returned, and what causes that the money will not be returned.In the legal field, the company "Lindorff" conducts activities of recommendation explaining debtors that they are required to return the funds;It helps to understand the financial situation, as well as conducts litigation with people drawn to the bailiff, soliciting the compulsory collection of the debt from the assets of the defaulter.
In this network there are a lot of stories about that "Lindorff" threatens their debtors, demanding to return the funds as soon as possible.This vector collectors work most know of the stories from friends who did not return the loans.Companies in this specification are able to work not only by legal means, but also psychologically, affecting the client.For example, they may include night calls, threats by phone and mail, frequent personal visits of collectors at home.It does it all with one purpose - to make life difficult for the client to intimidate him and get back the debt.Of course, the professionals involved in this, so resist them hard enough.
reaction debtor
on techniques such exposure reaction of ordinary borrowers is different, to take at least "Lindorff".Reviews suggest that some people ignored the message headers in every way, steadily endured all the attacks from their side, so everything went well.There is another category of people - those who are really trying to repay the debt.If a company says that a person sincerely working hard to repay, the pressure on it is reduced - this is natural.
As regards another category of people, they can be called victims of the collector system.Some borrowers are looking for different ways to get rid of debt, finding even the most extreme ones.We all know about the suicides that occur after prolonged pressure from such structures.Stories such, unfortunately, quite a lot.
LLC "Lindorff" - what is it?
So, continue.As noted above, the Company "Lindorff" (St. Petersburg - one of the cities where their offices are located) - an international agency working with debtors and creditors.Based on the information on their official website, the company conducts its activities since the late 19th century - already in relationships of credit and financial nature there is a need for such instruments refund.In Russia, the company opened only in 2007.
Agency operates in different directions, buying distressed loan portfolios from banks, helping different organizations to repay debts for communal services, communications, internet, television and other benefits of civilization.The company has a regional network, for example, one of the centers of "Lindorff" - Nizhny Novgorod.It operates office and representation agency, which works to local organizations and banking institutions.
noteworthy that the company activities are carried out in the form of dialogue: it serves not only of creditors but also debtors.
Who may apply to the agency?
primarily for those who do not pay their debts on credit or for services that have been consumed.At the same time, as noted by the "Lindorff" reviews do not always appeal collectors shall entail any negative consequences for the debtor.If the debt is just beginning to form, and the person will go on dialogue and return to get money, a record of the fact that he - and not malicious infringer fulfills the commitments will not get in his credit history.
Flexibility collectors
company also sending notices to those who in the future may become a "victim", focuses on the broad possibilities for the settlement of disputes and disagreements.In particular, if a person genuinely wants to repay his debt, but can not do so, it may agree to postpone, for example.How to write customers 'Lindorff' reviews which can be found in the public domain, the company is often a compromise.
What to do if you got a call?
This is what should be borne in mind if you asked.Your task - to prevent the occurrence of conflict, to respond adequately and with an understanding of what effects you can expect.In fact, the machine collection company is much more powerful than you, so it is best to treat them kindly - why spoil your nerves?
Think about whether you can pay the money that is mentioned in the company "Lindorff", what kind of duty, when they host the term of payment and you will get the status of the debtor.All of these items must be carefully considered in order to understand how to proceed.Then, of course, necessary to establish a dialogue with representatives of agencies, get in touch with them and show that you are open.
How to collect debts "Lindorff"?
The most common debts LLC "Lindorff" (reviews debtors, at least on this show) to assemble peacefully and quietly.Some people adequately and sympathetic to their obligation to pay a particular amount, learns how to make appeals to the agency, so that there is lucidly explained to them all the details.
«Other» debtors
Of course, there are other categories of debtors.They LLC "Lindorff" (what is this category of debtors will not elaborate, just believe that there are such people always) working in the courts.Sued the man for what he is not fulfilling its civil liability to which you want to recover from a certain amount plus compensation.If the court approves the claim, collectors can refer to the bailiff to enforce the judgment.
Of course, there are other specific situation where there is a need to recover the debt, but there is a real opportunity to do it.Then, obviously, collectors have resorted to other methods, including those about which we hear in passing and from friends.Debtors complain that "Lindorff" threatens them, their loved ones and families, threatening to file the appropriate claims in court.Successfully Whether they do it or not - hard to say.As a rule, the agency of this nature are well aware where they are right, and where not.Therefore, to protect their interests in court lighter than ordinary debtor.
Whom should I contact for help?
Of course, in Russia LLC "Lindorff" (St. Petersburg this or any other city) can operate some its not entirely legal means.To guard against this, we must know who to contact for help.From collector we can save professional lawyers who are looking into the actions of the first that can be called illegal.You can contact a lawyer or the company that provides such services - and no company "Lindorff" (that is, any other agency) you are not afraid.You may even be able to avoid repayment - but then be prepared for an impressive account of the services of such lawyers.
Avoid debt!
In general there is the most simple and effective method to get rid of the pressure reservoirs.Like "Lindorff", a collection agency with a different name and is intended for debt repayment.That's their job, so expect some leniency from such companies are not worth it.
If you do not want problems, simply refuse loans.The same applies to debt in the housing sector, and any other.We must live within its means, allowing yourself to something that you can count on.Sometimes it is difficult, in certain situations - it is impossible, but in most cases the person to blame himself when he is addressed from "Lindorff".Collection agency only helps you to correct the error.Take this case, and to pay the debt, you will be at least psychologically better.
