pointless to argue about whether or not to take out a bank loan.It all depends on the circumstances: one, this opportunity really helps, but for others turns into a real servitude.Often, lenders turn to collectors - to private firms offering their services on debt collection.The activities of such organizations poorly regulated by law and, therefore, often arise from them a variety of abuse of its powers.How to deal with collectors and defend their interests?This was just discussed in this article.
What are the rights of the defaulter loan?
Despite the fact that the law is a special law on the organization involved in the return of overdue loans, the activities of any company should not go beyond the regulatory field.And so the experts who know how to deal with collectors, it is strongly recommended to remember the following rules:
- If the obligation is transferred to the new creditor, the debtor may it not to perform as long as it did not produce an agreement with a banking institution, as well as a written requestrefund the debt.
- In the case of the three-year period of limitation, any claims are illegal collectors.At the same time, according to the law, counting from the date of last contact with representatives of the Bank (telephone conversation, the payment of money, receipt of the letter, etc.).
- How to deal with collectors who threaten to take away property?Remind them that this is possible only by court order, and doing it extremely bailiffs.
- amount of debt, penalties for late payment and the order of debt repayment are determined solely in the contract with the bank and if the headers are called other figures, remind them that these conditions can not be changed by them unilaterally, iewithout your consent.
Communication with collectors
main reception, which is the basis of all the methods of work of these organizations is the psychological pressure on the debtor.Usually it takes quite legitimately - to explain the citizen than he could face the failure, but collectors often focus on the fact that the borrower does not know their rights and use crude methods, including open threats.How to deal with collectors in this case?First of all, check the statute of limitations debt.If it is less than three years old, call the bank and verify how the agency is now engaged in the recovery of non-performing loans.After that request from collectors relevant documents confirming their right to demand a refund of your debt.As long as they do not, you should stop any communication with them.
Before starting the conversation warned just in case the creditors that you intend to audio.It is not necessary to inform the collectors personally identifiable information: the place of work, the amount of income, addresses and telephone numbers of relatives.During the interview, keep calm and do not try to persuade creditors or excuses.If a large amount of debt - it is better to entrust the interaction with the collection agency a good lawyer.In this case, you can make quite an effective strategy and to count on a favorable outcome of the case.
