Action breeds opposition.

[InfoPoisk]

In any case, when something new arises, a counterweight arises. If Someone says it well, there will be many people who, for various reasons, will look for the bad in it. The emerged institute of collectors, aimed at repaying debts, is developing various methods for how to do this, from communication to various technical operations. So in contrast to how to behave to the collector with the debtor, a counterweight arises as to how to behave to the debtor with the collector. In their daily activities, detectives are constantly faced with the issues of returning something. In fact, not being a collector, they carry out the same events. Remember, for example, the topic "No one can help," where the property was returned for almost 1 million rubles, while initially there was a practically losing situation that could be resolved positively only in court, and then to the fact.
Why am I? But I remembered. On one of the resources I found a methodology for communicating with collectors. I think it will be useful to many.

Here is the text:

It happens that a person has difficulty repaying debt on a loan, and the bank resorts to collector services. I really hope that this does not happen to you, but just in case, here are a few rules that will help resist collectors. Even if I did not want these tips to be useful in life ...
First, do not conduct any negotiations with the collectors, generally reduce communication with them to a minimum. Your contract is concluded with the bank, here with the bank and communicate. If you will be called out of hours - write a complaint about telephone hooliganism to your mobile operator. They can bar incoming calls from certain numbers.

The second is to communicate with the bank. The bank is interested in the return of funds, therefore, it is often ready to make a number of concessions, and can coordinate debt restructuring. This means that you, for example, can extend the loan term (which will reduce monthly payments), or revise the interest rate.

If the bank does not compromise, show your loan agreement to a lawyer who specializes in the financial sector. It happens that there are a number of dubious points in the contract, because the bank transfers all credit risks to the borrower. This is not entirely fair, right? A competent lawyer will tell you on the basis of which the contract and your obligations can be challenged in court. With this information, your position in negotiations with the bank may become more significant.

In any case, do not believe the tales of collectors that your debt will grow hundreds of times and go to your children. Or that the debt will not allow you to go abroad. All these are tools of psychological pressure, and have little in common with reality. For example, you will not be allowed to go abroad if there is a court decision in your case that actually prohibits travel.

Here are a few tips to counter psychological pressure.

show a minimum of emotions when communicating with collectors,
don't show fear
do not let the collectors come into your home,
immediately set a condition: no talking on elevated tones,
demand that the collectors do not communicate with your relatives and friends (warn loved ones)
in brief conversations with collectors, it is best to be a bore; in the documents provided, fault with each comma. And there should be a lot of documents, starting with the bank’s instructions to deal with your debt and ending with statements of operations on your accounts.
In addition, if the collector makes any statements and statements, request to repeat this in writing, be sure to refer to the regulatory act or provision of the contract,
record conversations on the recorder and in case of threats immediately write a statement to the police,
do not accept offers to borrow money from friends,
stop conversations where it will sound: "How are you not ashamed?"

 

[НСК-СБ]

Re: The action hits the counteraction.

Thanks, interesting! Only the debts of the bank's borrowers can be at the collectors already owned or outsourced i.e. already sold to collectors ...

 

[InfoPoisk]

Re: The action hits the counteraction.

Thanks, interesting! Only the debts of the bank's borrowers can be at the collectors already owned or outsourced i.e. already sold to collectors ...

But communication remains: D: D: D

 

[Орлан]

Thanks, interesting stuff.

 

[ТИМУР]

Thank. Interesting.

 

[Детективное агентство. Москва. Арбат.]

Thanks, interesting!

 

[Плотников Юрий Михайлович]

Thank you, the material is interesting!

 

[Евгений СБ]

Thank.

 

[Частный детектив. Тайный советник. Омск.]

Thank you Michael! Interesting and useful material.