Most likely, you have to at least once in life to use the services of credit.But not every one of those who took the credit, was able to repay it on time.In this case, the duty to obtain a particularly negligent payers, it takes collection companies.Communication with these gentlemen deliver many unpleasant minutes.Particularly hurt when accused of collectors in foreign debt.It is fair to say that this happens infrequently, but that communication becomes more desirable.Why is this happening and what to do - talk below.
Who are the collectors, and why they call
This is unusual for us, the word "Collector" in the literal translation means "collector", but he must not collect stamps or butterflies collection, and the money from the negligent taxpayers.Collectors can act as individuals and entire organizations - collection companies.Sometimes these "collectors" are also full-time security officers of banks.Their main duty - by any means (law) to force the debtor to pay its financial obligations.Sometimes well-established pattern failures occur, which can result in unpleasant consequences.
collectors Calling other people's debts for different reasons, but most often it happens by mistake, you fix it is sometimes very difficult."Collectors" has long been accustomed to working in unusual situations, and often do not respond to your entreaties and explanations, because people do not want to pay the loan, too often say they do not have any relation to it.
you a guarantor?
If you constantly call on someone else's collectors debt, remember, you are not a guarantor of the loan your friend, relative or colleague.It was?Then calls "collectors" at very likely, the person who has taken credit, formed a solid debt, and the bank took the decision to collect money from the guarantor, that is with you.
The first thing to do - contact the person makes out a loan and try to find out whether the failure to pay was formed and how soon it is going to extinguish it.You may want to look for along the way to solve the problem - to negotiate with the bank to refinance the loan or try to refinance with another organization (of course, in this case should not act as a guarantor for the second time).
If it turns out that the debtor is not really in a position to settle the obligation, debt actually transferred to you.And it will have to pay.The best thing you can do - contact the bank for a joint search for a solution.Once you calculate the credit organization, you have the right to recover from a relative (a friend) on the loan that you are a guarantor, the entire amount of the debt in court.
Blame relatives
Quite often there is a situation when the loan was taking someone from your family, and you know and do not know.As part of the responsibility of the collector to get money from the borrower by any lawful means, in the case of formation of delay they start pestering calls all his relatives and friends whose phones can be found.
worth knowing that as long as you are not a guarantor of the loan, the repayment of the debt you can have only two cases:
- in case of death of the borrower, if you are the heir of a person who has taken credit, and have already madeinheritance;
- if you are the wife (husband) of the debtor, but in this case, to force you to pay the debt only by court order.
Therefore, if the collectors are calling on someone else's debt, which was formed your brother / sisters, parents, uncles, aunts, and any other relatives who boldly declare that you do not have any relation to the duty and are not obliged to pay it.
in Charge of the neighbor
Often collectors, seeking to achieve the desired result, begin to act on all fronts.Many of them, without achieving anything directly from the debtor or his relatives start phoning all the neighbors, colleagues and friends of the borrower in the hope that such an "attack on all fronts" will bring early results.In that case, when you call the collectors of other people's debts, to which you have absolutely nothing, politely and firmly explain that absolutely no obligation nor by the "collectors" or the client.And ask no more calls.If it does not help - do not hesitate to law enforcement agencies.
I do not know him
Sometimes, though, it happens that collectors call on someone else's debt stranger to you man.This happens for various reasons - for example, your phone number previously belonged to a man, really receive a loan, or you have moved into the apartment, the former owner who took a loan, please include your old address.Sometimes there are banal typos in names, telephone numbers and other data.
Unfortunately, in this case, to get rid of collectors simplest explanation is unlikely - will have to make more effort.To get started find out data of the person for whom you are taking, then make a request to the bank, which is the caller.In a letter to designate that your contact details are registered incorrectly for a stranger to you and ask the person to make changes to the database.Wait for an answer.It is best to take this further bank certificate stating that you are not being in arrears on the loan.Remove the copies of all these documents and send them by registered mail to the address of the collection company.If, after all of the above manipulation prosecution will not stop - write to the prosecutor and the police.
If collectors call your relatives
course, very unpleasant to get into a situation when collectors call on other people's debts.Especially if these debts really yours, and callers are concerned, for example, parents' old age.
First of all, you need to explain the family that you actually have a debt, you are going to pay off in the near future and ask them not to worry.Next you need to ask loved ones to remember what you can and can not talk to collectors and how best to build a conversation.To avoid further problems, in any case, do not divulge any personal information about themselves or relatives of the debtor.Your family do not have to give any information collector: a new name, address, telephone number and other data - is your own business.It is best to patiently repeating that they do not have with you any direct contact, did not interact and absolutely no idea where you can find.If your family will adhere to such tactics, sooner or later, the collectors will be restrained.
Letters "happiness»
Besides that collectors call on someone else's debt, sometimes they are also engaged in "targeted delivery."One morning you can find in my mailbox a letter stating how much and to what bank you need, as well as reports that the debt collection company transferred.Over time, the letter may appear more often, and the amount they may continue to increase.To deal with this kind of activity Debt collectors are very simple - do not react to it.Most often, such "masterpieces" are simply printed on the office printer and do not involve any of the seals and signatures, so it's just a piece of paper that has no legal force.
I rang ...
phone calls from debt collectors on someone else can deliver incomparably more trouble, because often they are repeated every day and at any time.Even if the operator call center extremely polite, the fifth call is already causing irritation and fifteenth infuriating.
Sometimes a telephone conversation amounts not just to communicate with the bank (the collector company), and takes a pretty tough character, with the use of foul language and threats of the debtor and his family.Remember that such actions are illegal and entail criminal liability under article 163 th and 119 th of the Criminal Code (extortion and threats of bodily harm respectively).
Physical impacts
Even rarer threats debt collectors for others moving into a stage of physical contact, for example, you can complain to the home or to work.If the office is still a public place, the most that you can threaten in this case - a hideous scandal, and sidelong glances colleagues.But at home you need to be especially careful:
- in any case it is not necessary to let uninvited visitors to the apartment;
- try to record a conversation on the phone or a voice recorder;
- all conversations lead only in the presence of witnesses, such as neighbors.
collectors call on someone else's debt - what to do and how to be
If you're still out of luck and you are faced with persistent employees of the bank or collection agency, first of all do not panic.To as quickly as possible to stop the unpleasant communication, you need to develop a clear strategy, in fact hope that you will be left alone, it just is not necessary.
So what if you get a call from someone else's bank debt:
- first need to find out with whom you communicate, learn the name and patronymic of the interlocutor, as well as its position;
- further try to find out the full name of the organization, its factual and legal address and phone number;
- record the personal data of the debtor, who is looking for a collector (bank employee);
- quietly listen to the requirements of the caller and ask him to contact you later;
- if the caller refuses to inform you of the above data, quietly shut the conversation, warning that they intend to apply to law enforcement authorities.
Next will have to act according to circumstances:
- in the case when the call has a base (for example, you were a guarantor for the loan agreement a friend), wise to enlist the support of the credit a lawyer, and by employees of the collection agency (bank) to offer contactto court;
- if you just played the contact person at the conclusion of the contract, and even more so when you do not have any relation to the borrower - contact the bank to clarify the situation, the collectors during the second call, report the actions taken and ask more of you do not bother;
- in if calls will persevere - try to record the conversation on tape and contact the police with allegations of extortion;
- if it has not brought results - write to the prosecutor complaining about the inaction of law enforcement.
If all else fails
In the case where all of the above methods do not give the desired result, and collectors pestering people at night for other people's debts, the only true solution is to appeal to the court.Enlisting the support of a qualified lawyer, we can safely require the bank compensation for moral and, in some cases, physical harm.For example, if after talking with collectors have dramatically increased blood pressure and required the assistance of a doctor, the bank will be required to offset the costs of treatment.So if you chat with debt collectors brought you "to handle", do not forget to help keep all of the clinics and the checks for drugs.
