Now quite often you can encounter a situation related to non-repayment of loans. The collector is called to deal with this phenomenon. This is a specialist whose activities are aimed directly at collecting money from the debtor. Simply put, a collector is a professional debt collector. In the CIS, such a business is very young. If thousands of companies providing collector services are operating in the states, in Russia there are only about 100 such organizations.
What to do if for some reason you did not pay the loan and the collector called you? This is not as scary as it might seem at first glance. There are many methods that will help you to behave correctly in a conversation with such a specialist, as well as to arrange the situation as beneficial for yourself as possible. However, you need to understand that fighting collectors is an activity that involves some risks. But let's talk more about the methods of struggle. The first option to remember when a collector calls you is the legal method. Its essence lies in shifting the emphasis to the correctness of compiling various documents.
The very first thing you need to do is re-read the loan agreement. It should indicate whether the bank has the right to transfer your debt to a third party. If there is no such clause in the contract, there is a direct violation of bank secrecy. If the right of transfer is present, ask the collector for a copy of the contract between his organization and the bank or a power of attorney that gives the collector the right to represent the interests of the bank.
Also require that all copies that the collector provides you be certified by the signature of the official, as well as the seal of the bank. In the event that the papers are in order, require confirmation of the authority of the person who signed all these copies. The main thing to remember is that you will be liable for unpaid debt only after a court decision.
As you can see, if the collectors are calling you, it’s still not so scary. Remember that the collector is also a person, and therefore it is quite possible to deal with it with psychological methods. Here it is necessary to use the technique of communication correctly, as well as good knowledge of your emotions.
One of the goals that the collector pursues is to compile the correct psychological portrait of his interlocutor.
You need to make sure that your portrait created by him does not correspond to reality. This error will not allow you to apply the correct working method to you. Do not avoid talking to the collector, but make sure that they are streamlined.
At the end of each conversation, arrange the time for the next call. After that, do not pick up the phone until the time you have agreed on comes.
Remember that collectors never want to bring a case to court. Most often, it is far from beneficial to them, since legal costs can be much more than your debt. Therefore, sometimes it’s enough just to say that they can sue, after which you can be left alone.
