"Philbert" is a collection agency. Reviews of debtors

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In 2015, more than 75% of the loans issued by the bank were returned through collection agencies. Why do banks prefer to turn to collectors, and not go straight to court? Let's try to figure it out.

Filbert (collection agency): reviews, phone number, address

The head office of the agency is located in Moscow (near the Komsomolskaya metro station). Address: Komsomolskaya Square, 6. Hot line (calls are free): 8 800 333 01 25. Working hours: from 9 am to 7 pm.

All reviews about the agency are divided into 2 categories. Negative ones are written by debtors, and positive ones are written by creditors. If you read reviews on the Internet about the Filbert collection agency, you can see that negative ones prevail.

Such responses are written not only by debt collectors, but also by former employees. If you study the reviews of employees about Filbert (collection agency), it becomes obvious that the company treats its staff in the same way as with debtors. Former employees accuse the company of the lack of a social package, of the impossibilityswap shifts and “pull” debtors from each other. Relationships in the work team are not easy.

History

Filbert Collection Agency has been in existence for more than 8 years. It was formed in 2007. The main task is to provide services for the recovery of overdue obligations from individuals. The company works with companies from different sectors of the economy in Russia. Provides a full package of services for the return of unpaid debt on time. Specializes in pre-trial settlement of debt legal relations with a non-payer. If the debtor is unwilling to make contact, initiates the beginning of a lawsuit with subsequent control of enforcement proceedings.

Filbert agency workflow

Work is underway with the debtor in the mode of pre-trial recovery. Collectors collect information about the non-payer and systematize it. Then telephone informing about the state of the debt begins with recommendations for accelerated repayment, SMS notification, and sending emails. If successful, then there are personal contacts with the non-payer.

If you read reviews about Filbert (collection agency), it becomes obvious that its employees consult on financial and legal issues. At this stage, collectors are campaigning to fulfill their financial obligations.

When making calls to a defaulter, the collector is obliged to maintain a neutral tone, not to allow a voice to be raised, not to use offensive language against the debtor. But if you study the reviews of people about the Filbert collection agency, thencomes the understanding that agency employees do not even comply with these rules. Moreover, they mislead the debtor, threatening him or someone close to arrest.

When making a call, the collector is obliged to introduce himself (voice last name and first name), indicate the name of the company on behalf of which the call is made, and state his purpose.

At the second stage, hard pressure begins: collectors make calls to relatives and guarantors, friends, search for the debtor at the specified address of residence and place of work. They look through the pages of the defaulter on social networks and supply photos with comments about the amount of debt. If you read reviews on the forums about the Filbert collection agency, it becomes obvious that the incorrect work of its employees leads to the fact that the debtor or members of his family write complaints to the police or the prosecutor's office.

At the third (final) stage, the collection agency begins legal proceedings. This process is triggered when the period of non-payment of the debt is from 150 to 190 days from the moment the overdue obligation arose. A court session takes place, after which a decision is made on execution or an act is drawn up to write off the debt.

Studying about Filbert (collection agency) reviews of debtors, you find out that sometimes they use traveling groups.

What is a traveling team?

These are employees whose task is to ensure the return of an overdue obligation. Goalsfield technicians:

1. Inform the borrower of the full amount of the debt, focusing on the accrual of pen alties.
2. Notify the debtor of the consequences of his evasion of payment: the creditor goes to court, while all legal costs (in the case of a decision in favor of collectors) are borne by the defaulter.
3. Learn about the causes of arrears.
4. Create an explanatory note stating the reasons for late payments. The debtor must sign it.
5. Together with the defaulter, draw up a schedule for making payments to repay the overdue debt.
6. With the consent of the debtor, inspect the property and draw up an appropriate act.

Every borrower knows who a collector is, but most do not understand why he should interfere in the relationship between the bank and the debtor. After all, if the borrower does not repay the loan, the bank sues, and the bailiffs will collect the debt forcibly.

Why doesn't the bank sue?

There are several reasons for this:

1. The accrual of fines and pen alties is stopped. By filing a claim with the court, the bank fixes the amount of the debt and does not have the right to accrue a single penny on it. And if you transfer the debt to collectors on the basis of an agency agreement, then pen alties and fines continue to accrue, plus the collectors add something "on their own".
2. When selling debt, the bank receives a lump sum of 20-40% of the overdue debt. And in court, Art. 333 of the Civil Code of the Russian Federation, and the declaredthe amount will be reduced.
3. Lack of supporting documents. Paradox? The bank does not have an agreement signed by the borrower? But the mass mailing of credit cards by mail did not benefit these structures. The borrower did not sign the contract, and it is practically impossible to prove in court that activating the card by phone is also the conclusion of the contract. The collection agency does not care about such "little things" as the absence of a contract.

Filbert (collection agency): branch addresses

The head office is located in Moscow, but branches are located throughout the country. In Yekaterinburg (Mamin-Sibiryak St., 52), Rostov-on-Don (Working Square, 19), Nizhny Novgorod (Maxim Gorky St., 50) and in 30 other cities of Russia. The agency is constantly expanding, striving to become a leader in the Russian collection market.