Crisis is a terrible event for many people. However, as practice has shown, it is beneficial for some. Collectors are no exception. They are trying by any means to intimidate a person if he owes a certain amount to the bank.
Collection business is a profitable and profitable business. After all, employees receive a good percentage of the amount of debt for their work. Most often, they succeed in influencing a person so that he sells his property and pays off his debt.
Who are collectors? How do they affect the client and what can be expected from them? In the article, if possible, we will study in detail the collection agency VostokFin.
Who are collectors?
There is such a company of collectors VostokFin. How to deal with them, not everyone knows. After all, many consider these collectors to be very serious.
You can be calm - these are not bandits. Collectors must collect debts only legally. They convince debtors to repay the amount in full. Very often, lawyers are invited to work in a collection agency,who know the laws, security guards, psychologists or financiers. That is, those people who know how to communicate with people properly.
Banks cooperate with collectors on favorable terms. Most often they pay a certain percentage of the debt. It all depends on the complexity of the work. This is done for the simple reason that agency employees are interested in the work.
As a rule, collectors do not collect the amount of the debt in installments, but require full repayment. After all, they are more profitable. They do not think that the person is in trouble and will not listen to problems. For them, one thing is important - to get their own.
Many people are interested in the actions of VostokFin collectors. Each company requires a refund in different ways. It all depends on how experienced people work in the agency. Collectors of VostokFin always try to influence the debtor in a cunning way. They put pressure psychologically and deal with the courts. First, they look for the weaknesses of a particular person.
Collection agency VostokFin collects all the necessary information. This is not only the address of registration or residence, they are also looking for relatives, friends, neighbors. First of all, the employees of the VostokFin agency communicate with the debtor himself.
VostokFin collector tactics
Employees of the company first culturally explain what will happen in one case or another if the debt is not repaid. As practice has shown, communication with the debtor rarely affects the situation. After all, if a person could not pay, then there are good reasons for this, and he does not havemoney.
Therefore, collectors often influence the situation with the help of close relatives or acquaintances. In other words, they put pressure on people. They call or come not only home, but also to work. Regular calls and visits begin. Reviews about this agency are mostly negative.
If the above methods do not help, then a lawsuit is filed against the debtor. A person is called and a specific monthly amount is approved in court. It all depends on how much income the debtor has. A percentage is calculated from them, and the person is obliged to pay within the time specified by the judge.
Remember that the law on collectors is small. Basically, it prescribes the rules of cultural communication and tactics of behavior.
Powers of collectors
If the collectors of the VostokFin agency came to visit you, do not rush to communicate with them and answer their questions. First, find out who they are and what their rights are. There are no specific rights for collectors in Russian law. Therefore, they often communicate illegally with people and violate laws. What can debt collectors do if you owe money?
The collector has the right to call the debtor from 7.00 to 22.00. At the same time, he is obliged to communicate culturally with a person. An employee of the company reminds the amount of the debt and the bank where you need to pay.
If the debtor claims that now he has no money, the collector is obliged to offer an alternative and find a way out of the situation. To do this, asks the person to offeryour debt repayment schedule. After all, both parties benefit from a positive result.
Since the law does not specify the number of calls and debt reminders, collectors can very long and fruitfully remind themselves of themselves in any way. Most often they call or come home. It is VostokFin that people who find themselves in an unpleasant situation often complain about.
Abuse of authority
Collectors of VostokFin don't communicate well. How to deal with them in such a situation? Many people claim that they are grossly overstepping their authority. They use their power over a person, and it comes to the point of absurdity. They call at any time of the day or night and do not allow people to live in peace. This is a violation of human rights. Therefore, you can safely write a statement to the prosecutor's office. Remember! Collectors are not allowed to call after 10 pm until 7 am.
People often complain about the VostokFin agency, as they not only call, but also threaten the lives of both the debtor and those close to him. You also have the right to sue them for such communication. However, conversations of this nature must be recorded on a voice recorder. After all, evidence is needed in court. If you received an SMS from VostokFin, you do not need to respond to it. If this happened at night, do not rush to delete the message. Most likely, you will need it in court.
Collectors of the VostokFin agency like to threaten with criminal liability. Many people believe. However, if a person has made a payment for a loan at least once, then there is no fraud intent. Therefore, no one will call you to the police.
Employees of the VostokFin firm often persuade the debtor to take a loan from another bank in order to repay their debt. They may also offer to buy equipment, real estate, etc. from you. Do not succumb to provocation. What can collectors do if you refuse to sell your property? Lawyers say they can't do anything else because they don't have the right to do so.
How can a debtor communicate with VostokFin collectors?
Don't know what to do in this situation? Most importantly, don't worry. Are you tired of vostokfin collectors? Lawyers know how to deal with them. Remember! Debt collectors must be treated in a polite manner. Don't try to be rude to them. After all, they can record your conversation. Therefore, avoid harsh words and statements.
You must not show your weaknesses. Whatever the agency employee tells you, try to be calm. After all, if the collector understands where your weak point is, he will put pressure on it until you agree to all the conditions.
If, nevertheless, unwanted guests came to you in the form of collectors, you have the right to demand:
- A document containing the employee's details.
- Power of attorney. It must be transferred by the bank to the agency. The power of attorney indicates that the company has the right to collect debt on the loan from the debtor.
If employees refuse to provide you with the required data, you have the right to refuse to communicate with them until they provide you with documents.
Court and collectors
As a rule, debt collection firms try to solve problems themselves. They don't want to go to court. After all, they will pay big money. What then would be the benefit of working with a bank if legal costs are much more expensive?!
When a person is unable to pay a debt, collectors sometimes try to intimidate the court. Don't be afraid of it. If things have taken such a turn, even to your advantage. Agree to be sued by collectors. In the meantime, take proof of income from your employer.
If you are really in a difficult financial situation, the court will take your side. You only need to present supporting documents. These can be certificates of a serious illness, a death certificate of a loved one and other serious documents. The court will decide to pay the debt. However, it will take into account your income. Therefore, debtors are often assigned small monthly payments.
VostokFin: search for a debtor
They have no right to look for a person at work, much less talk about financial problems. It's against the law. VostokFin employees have the right to communicate only with the debtor. If they call, let alone threaten relatives, friends or parents, feel free to write a statement to the prosecutor's office.
Now you understand who the collectors of the VostokFin agency are. How to deal with them, you already know. The main rule: do not be afraid and do not let yourself be intimidated.