«National service recovery" - what is it?The issue in this formulation can only set a respectable business executive or the borrower to repay its debts on time.
professional debt collection, meaning outsourcing, emerging in the field of non-payment.With the collection company, which bears the name, face legal and physical entities that generate receivables.Who are "wards" we are considering legal entity realizing a claim?Contingent raznoshersty from law-abiding citizens or companies to fraud, obviously hiding from creditors.
often raised the issue of combating kollektorstvom.Is this wise?Collector organizations, meaning that activity - collection of receivables, there in all developed countries.Their activities are regulated by law.(Next we take a look at an overview of legal kollektorstva organization in the United States, Britain, France).Fight should not be a kollektorstvom, and the violations of individual collectors of legal norms.
Interior kitchen kollektorstva
collector activity itself
first - agency scheme, in which the "PDR" ("National service recovery"), guided by Article 52 of the Civil Code of Russia, received from the principal register of contractual debtors.Next, work on debtors repay debt collection company, serving in this case, the agent receives from its principal agency fees, which in the Russian collection market is 20 to 25% of the amount repaid receivables.However, the agency scheme, based on nationwide experience, provides approximately 20% of the revenue collection companies.
main direction in which the work "PDR" ("National service recovery") is a repayment of debt.
Currently, commercial banks and other partners of collectors willing to go to such a deal.Thus, they are, first, freed from the "headache" about the overdue receivables, are able to increasingly concentrate its human and financial resources on core activities.Secondly, it will automatically improve the financial condition of banks, increasing their market price when selling a business.
bank sells its debt collectors portfolios, t. E. Debtors register several thousand people.The legal basis for this is the line in the contract with the customer, giving the bank the right to transfer the debt to a third party collection.Portfolios are usually themed.For example, card loans, unsecured loans, mortgage loans, mortgage.Collection agencies are buying these packages for a certain percentage (the price).Currently, the price of the package ranges from 0.5 to 2% of the total accounts receivable.
value pricing package has a term of the debt.After all, if the recent debt collectors manage to repay 60-80%, the overdue sometimes it is impossible to collect 5%.
Thus, registers of debtors fall to the collectors, debtors have the phone rings, and seems polite voice: "National service recovery ..." "What is it?" - In turn, asks the debtor.It is through belief and negotiations patiently fed to the right decision - still pay off the debt.
should be noted that one should not "run" their duty to repay it to the stage of collection.To do this, the time to contact the bank with a request to restructure the debt, deferred payment.In short, it is not necessary to neglect a situation.
If "everything is running" that the conversation was held with the collector, we recommend to use the phone with caller ID, and voice recorder.You can also request from the collection agency to mail you sent the bank agency agreement and a copy of the power of attorney of the agency.Demand that the collector, of course, introduced himself and announced the name of the collection agency for which he works.Here
principle balance of interests.If the collector is going to meet you in your part of the preparation by the repayment schedule of debt, it is - the right approach.It should not be a good citizen defy the absence of the law on debt collection activities and "go into denial."The draft law is, do not forget about it.
Another thing, if you feel moral pressure.By law, the collectors do not have the right to inform about your debt loved ones, co-workers, call them, break into your house.Nor has the legal force of "horror stories" on the application of Art.159 of the Criminal Code, which defines the responsibility for fraud if you have made at least one scheduled payment.Do not "fooled" and Art.177 - "willful refusal", it is used very rarely.If you took for excessive zeal, talking with collectors through a lawyer.
And now look at the same situation from the other side.How to properly conduct a conversation with the debtor collector - no single recipe.However, there is a recommendation to the general plan: a seasoned collector is required to carry on a conversation with the client so that he took it seriously.As a rule, better staffed by individuals - former district.
How sees the typical debtor Director General "NCW" Arthur A.?This is the man credited the 50 thousand rubles, which came up with the "bright idea" to take credit as a gift.So he leaves to Moscow, settling in a hundred and fifty kilometers away, even without thinking to pay.At the same time the debtor thinks that his "no one sees."
Federal level work collection companies
According to statistics, today over 80% of Russian banking institutions to outsource their debt collection companies for loans.Clients are also collectors and debtors utilities, and their debt for 2013, according to the Ministry of Regional Development of Russia, was neither more nor less - 736 billion rubles.With collectors massively collaborating and mobile operators for customers, fraudsters (realizing the profitability of the outsourcing).
The scale of this activity indicates, for example, the fact that the company "OFS" ("National Service of penalties") carries out collection activities of 83 regions of Russia, becoming, in fact, now the federal level.
payment discipline and kollektorstvo
The objective reality is that in a crisis business arising in the "good times" as a dope, man, begins to fall, accumulating accounts receivable.On the other hand, individuals who have taken the back-breaking financial commitments on loans and can not cater for their repayment.Receivables generated by them acts as a kind of blood clots in the financial system.Repayment it healthier economy.Therefore, collection activities, forming the payment discipline objectively need society.When a person or company cease to exercise the contractual payments, collectors meet with them and explain why the pay should be.
civilized market of collection services
Why has authority partners "National service recovery"?What is it - a professional code of ethics of collection?The company entered the right of subsequent control over the activities of their employees - collectors.The discipline of the rights of debtors is achieved by a special in-house training and coaching, and in some cases (explicit violation) - Hard Response Administration "NSW".Also on the website of the same collection company debtors are explained their rights in relations with collectors.In addition, there is a "hot line" of the Association collectors to which the debtor can call and complain about the unprofessional actions of the employee-collector who violated.
company management persistently and systematically implanted and implemented internal rules of operation, which is guided by the "National service recovery."Reviews of former debtors really testify to it.
In particular, there is a time limit when the debtor can call (from 8.00 to 21.00), and it is not broken.An employee of the company, always represented the other party, gives him an official collection company phone number.Telephone conversations with the debtor made no more than once every 2-3 days.The main work of the employee "NCW" boils down to, to understand the situation the person who created the debt, know when he will cash flows and together with them to plan payments, and, of course, to monitor their implementation.
main argument collectors - a significant increase in costs for the customer in the event of a transfer of its debt in the judicial plane.So, quite openly conducting their daily activities to collect receivables "National service recovery."Phone it (+7 (495) 363-13-30) is always available to clients if they have any questions or suggestions on the order of debt repayment.
Also, in certain cases the debtor's fundamental disagreement with the lender about the contractual debt.In this case, the collector becomes a mediator, helping to establish the truth.
necessary legislative settlement kollektorstva
no paradox there is a lack of legislation of the word "collector"?And it's on the market, employing more than a thousand collection companies, whose activities are coordinated NAPCA (national assotsitsiya professional collection agencies)?
question arises about the appropriateness of these theoretical disputes and artificial postponing legislative regulation at a time when the collection market annually increases by half.Perhaps we should listen to the comments made by Minister of Justice Konovalov at the II St. Petersburg Legal Forum a critical delay of the regulatory legal act, which prevents the care of collection activities in the "unknown, opaque and uncontrollable segments."
Why "NSV" is waiting for the legislative regulation of the market kollektorstva
abundance collection companies along with the lack of state regulation results in a variety of business, including unscrupulous entrepreneurs.After talking with them and learning about their methods of work, the debtors have to go to the prosecutor's office with complaints of extortion and coercion to perform civil contract.
problem of legislative regulation kollektorstva
proverbial "protracted" is a draft law "On the collection activity".The plan was discussed at the government level in May 2012, but has become a tradition to send this "inconvenient" the bill for revision.The problem is that at a time when the Supreme Administrative Court recognized the project to the relevant civil law, Prosecutor General's Office and Rospotrebnadzor considered unlawful exercise assignment of claims, without the agreement of the debtor.The "Sovereign men" not particularly bother to take as a basis "homespun practices" works collection of the most successful Russian companies, such as LLC "OFS" ("National Service of penalties").
company's lawyers are actively involved in drafting the law, as a fully transparent business - the key to its future prosperity.Currently, Russian collection market with difficulty, but it enters a phase of regulation.
example, moved forward the issue of insurance of professional activities of collectors, as well as the licensing of technical protection of confidential information.This once again confirms the fact that the Russian economy is no longer in transition, finding traits stability.It is in this area works LLC "OFS" ("National Service of sanctions") to repay the loan debt for utilities, repayment of receivables entities.Furthermore, this company shows legislative and organizational initiative, organizes extensive professional cooperation with various entities of the Russian market.
history: the integration of the national economy
company was established with the participation of foreign capital August 31, 2005.Registrar - Moscow Interdistrict Inspectorate of the Federal Tax Service № 46 in Moscow.Then she called the debt agency "bailiff."Now LLC "NCW" can be called the leader of the Russian market of performing receivables management at its various stages: pre-trial, during the examination of the ship, as well as the executive stage.The fact that the company is closely integrated into the national economy, confirmed its membership in the BDA (Association of Russian Banks) and founding function in a professional association of collectors NAPCA.By the way, the initiative to create such an association owned by the leadership "NSW".
Russian leader collection market works including accounts receivable abroad.This contributes to the membership of "National service recovery" in international associations CSA, ACA International, GCS, FENCA.
Clearly, the company which do not operate a really big strategic goals, objectively can not achieve in its development at the federal level.There are goals and the "NSW".They clearly stated on the official website:
- professionally working on autosorsingu receivables constantly seek more efficient than specialized departments finuchrezhdleny;
- "National service recovery" (debt) for its efficiency motivates themselves legal entities with accounts receivable, ask her for outsourcing;
- constantly on the control of managers "NCW" are internal financial indicators: reduction to take on outsourcing of arrears and thus increase the profitability of collection work.
Management determines the method of operation
Chairman of the Board "NCW" David Jones has not only a degree in finance and the US economy, but the track record of leadership in the field of energy and media, private foundations, investment companies in the United States, and inRussia.Director General Arthur A. has experience in legislative work, membership on the board of a commercial bank, the bank's retail business in Europe.These managers are supporters of the most advanced and civilized methods of work.
The aforementioned top managers to conduct effective management of the company "National service recovery."What is it - this collection company services rendered by it to its partners?This multi-step process.
Firstly, the company helps to determine whether a natural or legal person for the role of the borrower.Experts 'NSV', using the experience accumulated technique, makes the verification of wanting to get a loan, monitor reliability, solvency.
As part of the pre-trial debt collection are produced to inform the debtors through sms-mailing, meeting with them, phone calls.
At trial debt "NSV" is preparing for his papers, he produces accompaniment gets his hands on the ship's certificate.
with the executive production company is also in the legal field pursues its goals, thus contributing to the ship's officers in their work.
all employees more efficient financial intermediary, liquidated receivables acts "National service recovery", feedback from staff testify to this.We analyzed them to the fullest extent possible to introduce you to this company.At the same time, of course, was taken into account, it is unlikely that any society sympathetic to the collectors.However, an objective approach is still important.On the one hand, employees are generally satisfied with wages, collective.They paid tribute to in-house studies.Many have significantly increased their knowledge of civil and criminal codes.
However, they recognize that employee "NCW" essential character, the inner core.It does not matter where he works: "National service recovery", Moscow or other regional unit - an important motivation and tranquility, because this work is not for the weak.