Resistance to collectors

[DronVR]

Resistance to collectors

The work of the collector is very profitable and no less interesting, you directly crack a person’s brain with the help of words and make him do his will, and your will is motivated by the bonus part of your salary, which is 2-3 times more than your salary and depends on the number of people you “convince” go and pay the minimum payment.

So, if you still didn’t listen to your grandmother and took out a loan and even made a delay, then be sure that they will call you soon and remind you of your obligations, but for the first time everything will be quite polite, although it happens in different ways but in general, the first time, and then you yourself know. To begin with, you have the right to completely not pick up the phone, but the annoying bank will call your relatives, colleagues and acquaintances, because you yourself provided all the numbers, and the bank suddenly something happened to you to take care of your customers. And since it’s better not to spoil your reputation in front of loved ones, it’s better to pick up the phone and simply lie, say that yes you ran a little and forgot it, but if you don’t pick it up, then the system, yes, yes the system (or rather the software, most of the famous banks work with the siebel system) and not a person personally dials your number, he will ring you with a certain frequency for all the numbers that you indicated and which are discovered additionally.

Based on the foregoing, you already realized that the collector is the person who, by any means at all, forces you to pay the min payment. The main weapon of the collection is the tone and speed of information. Those. if you hear a terrible voice that draws in your head the image of a hefty uncle with a club and all sorts of media constantly say that they can come home and all that --- all this is FALSE calculation exclusively for psychology, my eighteen-year-old colleague did it perfectly. Everything becomes complicated if you have more than one or two delays, and then a collector of a higher rank begins to engage in you, an experienced person with analytical skills and ingenuity who is provided with the maximum information about you, up to the last purchase on the card with reference to the coordinates. I can say for sure that in some banks there are services that track debtors on social networks. So this man is free to play with you practically as he pleases. He analyzes the Old about you and, on the basis of this, selects the strategy of your exposure. For example, he may send you a letter to work and you will be fired, as it is not prestigious to keep debtors at work. Or he will send you a fake subpoena with a request to pay off all the debt and while you think where to find 300 pieces, he calls and says that he has agreed and you have enough to pay 10 to start. Everything is determined by the degree of complexity of your situation. And believe me, he will never be on your side, so that he doesn’t speak, while you’re thinking how to get out of the situation, he turned on the mute button and wildly burns on the other side of the wire. But these are all extremes.

Speaking about the specifics of the conversation, you need to understand that you are initially a loser, since you are a debtor, you are a debtor who is psychologically tormented by this delay, and the collector only helps you with special conversation schemes, let us turn to some of them.

1. Greetings (no comments)

2. The purpose of the call (it reminds you of your unfulfilled obligations)

You naturally make excuses

3. An argument follows, for example, a clause of a contract that you violate, an article of the civil code or criminal.

You naturally agree.

4. He takes you to the next step, recalling the amount

5. Next, the payment term

6. Summarizes the conversation, in which he once again repeats the amount and due date

7. And finally goodbye

In general, the conversation lasts 50 seconds, this is an experienced collector, because he has people like you hundreds and the more he processes, the more his profit will be.

This was a scheme to plunge into it in more detail. There are listening techniques, i.e. at the very moment when you make excuses he analyzes what you say and resorts to one of the methods:

1. Paraphrase - paraphrases your words conveying the same meaning.

You say that you didn’t pay the cost that you were in the hospital, he says the same thing but adds in the end, did I understand you correctly? Of course you understood correctly and you say - Dada, in fact you are already a third in processing

2. Echofraz- he repeats literally with a similar question at the end.

3. Speaking is sensitive, that is, if you can determine your emotional state by your voice, then he says something like that, I understand that you are at the wedding and have fun, but you understand that this does not exempt you from paying payment mines and naturally you say yes. The essence of this technique is that you say “yes” three times, and according to one psychological law, for the fourth time you will also say yes, and the question will be appropriate.

Speaking of questions, they come in 3 types:

1. Closed - this is a question about the wedding, i.e. in fact, you have no choice, you can answer either yes or no.

2. Open - here you can’t answer briefly, because it will be asked in this way- "can you name a specific reason why you did not pay MP?" while you continue to give out information, followed by a question to which you answer - "yes."

3. Alternative - are set in the form of open but you have no choice. Something like, "that is, you refuse to fulfill your obligations, did I understand you correctly?" and fucked up, you are again at a dead end. My favorite was an alternative, people just went crazy.

Here are the main techniques of psychological impact on our brain that collectors use and they work everywhere.

The best way to avoid meaningless dialogue, I called at the beginning, the meaning of wasting your time? But if you still wanted to have fun and you found yourself in a similar situation, then just knock him off the dialogue scheme with his own techniques, for example, ask him to name the last 4 digits of the phone number from which he is calling, it will be fun.

Do not abuse knowledge, live within your means and remember - the bank is not your assistant!

@onionteam