now quite common to encounter a situation related to loan defaults.To deal with this phenomenon is designed manifold.This specialist, which aims to collect the money directly from the debtor.Simply put, the collector - a professional creditor debts.In the CIS such a business is very young.If the states of its activities are thousands of companies that provide services to collectors, that in Russia such organizations only about 100.
What to do if you, for whatever reason do not pay the loan and call you a collector?It's not as scary as it may seem at first glance.There are many methods that can help you properly behave in a conversation with a specialist, as well as to furnish the most advantageous situation for itself.However, it should be understood that the struggle with collectors - an occupation which is subject to certain risks.But let's talk more about methods of struggle.The first option, which you need to remember when calling you a collector - a legal method.Its essence is the focus on the accuracy of the various documents.
The first thing you need to do - re-read the loan agreement.It should be stated whether the bank has the right to transfer your debt to a third party.If such a clause in the contract is absent, there is a direct violation of banking secrecy.If the right to present, urging the collector a copy of the contract between his company 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 that you provide the collector, have been certified by signature of the official and the seal of the bank.In that case, if the papers are in order, require confirmation of authority of the person who signed all the copies.The main thing to remember that to be responsible for unpaid debt you're only after a court decision.
As you can see, if the collectors call you, still not so scary.Remember that the collector - this is also a man, but because with him it is possible to fight and psychological methods.It is necessary to correctly use the technique of communication, as well as a good command of their emotions.
One of the objectives pursued by the collector - a compilation of proper psychological portrait of his companion.
you need to make your portrait he created did not match reality.This error does not allow the use with respect to you the correct method of operation.You should not avoid talking to the collector, but make sure that they have been ordered.At the end of each conversation, arrange a time for the next call.After that, do not take the tube until there will come a time, which you have agreed.
Remember that collectors will never want to bring the case to court.Most often it is not beneficial to them, since legal costs may be much more of your debt.Therefore, sometimes it is enough just to say that they can apply to the court, after which you can leave in peace.
