2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
In recent years, the practice has become more and more common when a bank, unable to independently recover overdue debt from an unscrupulous borrower, transfers his case to collection offices. However, due to the gaps in the current legislation, the victims of these agencies are often honest citizens who have never taken out loans and have not acted as guarantors. Therefore, today more and more people are interested in how to get rid of collectors.
Is the activity of offices specializing in the return of problem loans legal?
Unfortunately, most borrowers mistakenly believe that the actions of agencies involved in collecting other people's debts are illegal in principle. In fact, everything is not so clear. Domestic legislation provides for the right of banks to get rid of bad debts by transferring them to third parties, which are not always credit institutions. ATin some cases, it is not at all necessary to sell the overdue loan for this, it is enough just to conclude an appropriate agreement. After that, a company that has nothing to do with banking gets the legal right to require the borrower to repay the debt.
How to talk to collectors on the phone?
One of the main methods of work of companies dealing with problem loans is to exert psychological pressure on the borrower. Therefore, many people who encounter them are interested in how to get rid of collectors once and for all. First of all, it must be clearly understood that such agencies do not have the right to disturb the debtor before 9 am and after 8 pm.
During a telephone conversation with collectors, you need to talk calmly, not allowing yourself to switch to raised voices. One of the most common mistakes made is to hang up the phone with the words about refusing to pay bills. Collectors are accustomed to such behavior and will definitely not leave behind such a debtor.
Those who want to know how to get rid of collectors legally and permanently need to follow a few simple guidelines. During the conversation, you need to find out point by point what the representatives of this agency want from you, not forgetting to clarify the name and address of the organization, as well as the name of the caller. If such information is not provided, the conversation should be ended. Also, it doesn't hurt to tellinterlocutor that the conversation is being recorded and will subsequently be used in a possible trial. As a rule, even the most persistent and impudent collectors calm down after these words. This forces them to enter into a constructive dialogue.
How to get rid of collectors?
Recently, cases have become more frequent when representatives of such agencies come home to the debtor and begin to bypass his neighbors, reporting an overdue loan. The same thing can happen with work colleagues. Borrowers who want to know how to get rid of debt collectors permanently and legally need to resist their threats. After all, often all their talk about court hearings and a prison term has no basis, since this is a rather long and expensive process. The calculation of such agencies is based on the fact that a frightened borrower will voluntarily return at least part of the money taken.
Those who are thinking about how to get rid of collectors must necessarily record all the illegal actions they have committed, if possible, involving friends and neighbors as witnesses. Having learned about the competent behavior of the borrower, they will moderate their ardor.
One of the most effective methods of dealing with debt collectors is considered to be a written requirement to provide the borrower with a copy of the agreement on the transfer of rights to collect debt. The document must indicate when and how much of the debt the bank transferred to this office.
How to get rid of calls from collectors?
Talkingwith a representative of the agency, you must inform about your desire to conduct electronic correspondence. It is also desirable to install filtering of incoming calls on your mobile phone. It is recommended that you program your phone so that it only accepts calls from those numbers that are listed in the contact database.
If collectors call a landline phone, you can simply contact the relevant authorities with a request to change the number.
Rules of conduct in person
According to the current legislation, representatives of agencies involved in the collection of problem debts do not have the right to come to his home or work without the consent of the borrower. Therefore, seeing the collectors at his doorstep, a person has every right not to let them in.
After meeting with the representative of the agency on the landing, you must demand from him any identification document, a photocopy of the contract for the transfer of rights of claim on the loan and a power of attorney issued by the director of the institution and confirming the authority of a particular employee.
Contact law enforcement
After trying all the legal advice on how to get rid of collectors, you can turn to the police for help. However, you should be prepared for the fact that this campaign will not give the desired result. Your perseverance and knowledge of all legal nuances will be the best assistants in such a struggle.
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