We have all heard about the collection agencies.Someone even had the experience of working with them after a bad loan or a simple delay in the payment of utility services or telecommunications services.
Everyone knows how unpleasant may be a relationship with the representatives of such companies.One of them is the agency "MBA Finance."Reviews of him, of course, is not the most optimistic.Nevertheless, the company is working with different types of debts and perform their tasks at the highest level.It will be devoted to this article.
«MBA Finance."About Company
So, a company that is dedicated to this material belongs to the Czech holding MBA Empire, represented by two offices in Russia.So, its branches are located in Moscow and Bryansk.According to the experts of the credit market, on the grounds that the agency did not have the representation of a wide network, they work remotely.
As stated on the website of the company, collection agency "MBA Finance" is only part of a large Russian group working in 18 countries.In total, this agency serves about 6.5 million debtors.They also (according to the official page) are included in the top three leaders of the credit market recovery in our country.His work is called an effective and well-coordinated.
However, if the "MBA Finance" reviews debtors simple to learn, you can understand how brutal and immoral ways of the actions of this company.People complain that they precipitated calls, concerned in different time, trying to get paid by threats.On the working methods of the agency and how to confront it, tell you later in the article.
Areas Agency
And while we consider the scope and the ways in which works of "MBA Finance."Feedback from those who faced with this company, indicate the broadest profile of the agency.Thus, it covers debts that arise not only in the field of bank lending, but also for housing and communal services, and even the Internet and communications.It can be called "MBA Finance" wide-player.However, experts say the gradual entry of the banking market and further conquest of a niche here.
company's mission
And what they say about themselves in the collection agency?In fact, everything is explained somewhat differently.Statement "MBA Finance» leaves entirely different responses.Thus, the site they have a section "Our mission", where representatives of the company describe their principles of operation in the market.Allegedly, their main aim is to fight against debt and equitable recovery of the participants of legal relations in their property rights.The focus of the "MBA Finance", by the way, makes the pre-trial stage of settlement of the conflict.In fact, simple language you can call the methods of dispute settlement calls, threats and intimidation of the client.
working methods
For more information about how the company operates "MBA Finance" reviews will tell the borrowers.If you read them, it can be concluded that the agency's employees are ready to call anytime, day or night, often represented by different names.In addition, they can use clever psychological tricks (like a constant moral pressure on the person).It is often also cases where a debtor requires a completely different amount of compensation.The worst thing is that they can vary from day to day, and sometimes even more often!So how many people actually have to pay in the end, no one can really know.
main theses in communicating with borrowers
course, the main interest in the work that is performed by the company "MBA Finance", reviews of which we have analyzed, made threats.It is in this way collectors "convince" people to pay their outstanding debt.
What is most interesting is the fee for the services of the company.Judging by the reviews of borrowers, in addition trifling overdue in the amount of 500 rubles, "the IBA Finance" might require further additional payment of 300 rubles for their services as an intermediary between the creditor and the person.Of course, this amount should be paid by those who made the debt.Many of these reasons are outraged, go to lawyers and strongly opposed by collectors.
scheme impact on the debtor
company "MBA Finance" (2015 reviews say it is just like the older witness borrowers) can effectively influence the person who has to return the money.As already clarified in the course of going calls, threats and letters calling repay.If a person tries to somehow object requires to provide the appropriate documents, the employees' MBA Finance »go to more confrontation and simply release the borrower 3 days for payment.The amount of money to pay people for this reason can grow several times.
general, "MBA Finance" reviews the structure is called, often are strict and even illegal methods.To learn how to stand up to them, tell more.
collectors How to resist?
In order to successfully communicate with collectors trying to force you to pay by using illegal methods such as regular intrusive calls under false names and threats, you just need to clearly understand my position and her power.
As a debtor, you should be aware on what basis you are forced to pay.According to the actual legislation (namely - article number 385 of the Civil Code), the debtor has the right to ensure that the right to demand repayment of debt really was ceded to a third party (namely, in this case, "Finance IBA").
So to start you can feel free to request that you provide the full set of documents confirming the right to claim.For a company that does not work in your town (unless you're from the capital or Bryansk), of course, to do this will not be easy.This is your task - to deliver maximum inconvenience collectors.
show the "MBA Finance" reviews, another option to get rid of persistent collectors is easy to ignore.Yes, if you know your rights, you can feel free to dissociate themselves from the pressure of the company.The main thing - do not sign documents that you received a letter with a demand to repay the debt.As a rule, I sent him a couple of days after the call.Thus, talking with collectors on the phone, you have to rush to the company that is the lender and repay the debt directly from them.
repay bypassing collectors
As they say people who are on the "MBA Finance» Reviews 2015 left more profitable option to part with a direct debt repayment.Let us examine this situation as an example.
Let's say you have a utility company from the sphere of housing and communal services 500 rubles.Because you do not pay, the right to demand the return of the company to assign the debt, "Finance MBA."Collection Agency (opinions about which we have cited in this article), in turn, begins to operate on Forced you to repay the debt.And this is an additional cost.What do you think, who will carry them?Of course you are.
Once collectors call you, they will demand not only to repay the debt of 500 rubles, but also to pay, say, 400 rubles for services to repay the debt.Yes, it sounds absurd, but that such techniques and running this agency.Even about the "MBA Finance» feedback from staff saying the same thing - they just give instructions according to which they can assign a rate for their services independently.For this reason, it turns a situation where a single debtor to call several members of the agency require to pay 400, 600 and 300 rubles for services rendered to repay debt.
«MBA Finance": reviews on the work
In general, if we talk about how to work the employees in the company, should examine the experience of other similar structures, namely the collection agencies.There, as we know, most of the work make several categories of workers: those that are directly involved in the delivery of mail;those that deal with debtors and work in the call center, as well as lawyers - people that protect the interests of the "MBA Finance" in court.
In fact, from the employee of each of these three categories is increasingly dependent on the fact whether the debtor to pay.And, contrary to popular belief, lawyers involved in the collection company's core business is less than the others.The reason is simple - the vector of the company is not aimed at the settlement of disputes under the law, and in the banal side knockout money from people through informal means.
On this basis, it is possible to draw conclusions about how to work in the company as a whole.Enjoy a little here: the person must be mentally stable and know that for which it works and what is its mission.Work in "MBA Finance" is considered to be paid by the format of the company.And to get there is not so difficult.
obvious that working in such agencies can be beneficial from a material point of view, can bring some experience in credit and financial sphere, however, is unlikely to give a substantial opportunity for career growth.Experience shows that for a long time experts in the collection agencies do not linger.At least, it is possible to find out if you read the reviews of the work in the "MBA Finance" (Bryansk).Perhaps in the Moscow office at all of them different.
moral side of the collector works
general, collection agency work aims to pay off as much as possible the amount of arrears.This is done, of course, with the help of influence on debtors who, citing fear or discomfort that brings them to communicate with company representatives, do it willingly.Accordingly, the interest of ordinary employees is to "knock down" as much debt.
According to those about the "MBA Finance" (collection agency) reviews as employees leave, their pay is made up of two parts: a fixed rate, and interest accrued, depending on the amount of debt recovery.Accordingly, it motivates a person to work harder, to ring up customers is doubly intense, more pressure and threats.You understand that the moral, not everyone can do that.Therefore collectors salary is higher than the lawyers and call centers to other companies, but at the same time and staff turnover is rather big.
Results
As an outcome we would like to give some advice as to those who collection agency "MBA Finance» rings with the requirements to repay the debt, and those who would like to get back to work.
first: do not panic and do not despair!There is legislation, which is studying, you can know exactly how you do that.In fact, by following them, you will always find yourself in profit.Just do not give up ahead of time, you know that you have to repay the original lender, and do it as quickly as possible!
In the same case, if you want to work in the collection company, I would like to remind you that it is - a good start for both career and recruitment experience, and for ways to make money.Therefore, if you are sure that you will not feel remorse on this occasion, to arrange!And good luck to you!
