Phoenix LLC - collection agency: feedback from employees and victims

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

"Phoenix" is a collection agency, reviews of which from victims are most often negative. It was created on the initiative of Tinkoff Bank. Despite the fact that the organization is registered as a separate legal entity, everyone knows that it works exclusively with clients of this bank.

What is Phoenix for

The position of the organization officially looks very noble: they position themselves as a service that is designed to get in touch with debtors and various methods of influence to help them pay off their debt.

But in fact, like any organization in this area, the Phoenix collection agency (reviews of St. Petersburg and Moscow Insurance Companies about which are not always biased) does not disdain various unworthy methods of influencing debtors.

History of LLC creation

September 17, 2016 Oliver Hughes (Chairman of the Board of TKS Bank) announced that as of August 2014years of delinquency on retail loans at the bank amounted to almost 13%.

For this reason, on the basis of "Tinkoff" was created its own collection agency "Phoenix" (reviews about the work of which will soon spoil the initial opinion about the noble purpose of its creation). Technically, the agency was created by a completely separate organization, it was officially registered as an independent legal entity. But formally, "Phoenix" entered the TKS group and is deservedly perceived as one of its divisions.

The purpose of the agency

At first glance, the purpose of the creation of this organization was very generous: to help debtors find a real way out of debt problems and develop an optimal debt repayment scheme for both parties.

Phoenix, a collection agency whose reviews would soon debunk its initially positive image, had to work with debtors whose monthly payments were more than 180 days late. The main goal of an employee of such an organization is not to bring the case to court and do everything possible so that the client pays his debt.

Phoenix LLC - a collection agency (reviews from employees who actually worked there are very difficult to find about the activities of this company) initially planned to recruit only 10-15 people who had previously worked at TCS and knew the structure of the bank from the inside. It was also announced that this collectionin the next few years, the firm will only deal with debtors of Tinkoff Bank and will not deal with clients of other organizations.

Officially announced principles of work and advice to debtors

A special section "For Debtors" has been created on the Phoenix official website, where the principles of work are explained. The first thing that catches the eye and causes a certain amount of bewilderment in a simple layman is the statement that if employees of this organization are trying to contact a person, it means that he has an outstanding debt to one of Phoenix's clients. The phrase “in front of one of our clients” is not entirely clear, since it was previously announced that this organization would have only one client - Tinkoff Bank.

Employees of the agency advise debtors not to hide from them and avoid contact. After all, as they say, their main task is to help. They promise to find the most suitable debt repayment options for a person and find alternative solutions to the current problem.

Further, "Phoenix" - a collection agency, reviews of which are far from the most pleasant, voices options for communicating with its clients:

• writing letters to a postal address;
• phone calls;
• sending a debt reminder SMS.

On its own official website, the company states that a mobile group, which has extensive experience in returning money and in its arsenal, can go to the debtorshas a huge store of knowledge on how a person can be forced to return the money. "Phoenix" is a collection agency, the feedback on the work of which the victims of its employees often leave far from positive, uses not only acceptable and harmless methods to return money.

What are the victims of the agency complaining about

Fortunately, today you can share your experience on various information resources, which is done with joy by those who had the honor to communicate with employees of this company. The Phoenix Collection Agency (the reviews of the victims about whose work make a thinking person understand that the purpose of its creation is solely to knock money out of debtors in any way, and by no means to help those who really cannot pay off their debts for personal reasons) uses in his work various tricks. For example, calls demanding urgent repayment of a debt can come not only to the debtor himself, but also to his acquaintances, relatives, friends, colleagues, in general, to everyone whose numbers have ever been provided to Tinkoff Bank as contact or alternative numbers. At the same time, it will not be easy to call in order to ask where the debtor is now, or for what reason he does not pay. Calls will come with specific requirements: help a bank client pay off a debt, lend him money, or, in general, pay a debt instead of him.

Appeal to the debtor is not limited to calls, letters and SMS. There are complaints on the network that Phoenix employees can comeat the registration address, outline the debtor's entrance with offensive inscriptions and put on display for all neighbors the information in which apartment the one who owes money to the Tinkoff bank lives and exactly how much he owes. With such paintings, they can disfigure elevators, entrance doors and entrance walls.

Such actions can be assessed as hooliganism and damage to public property, do not say that this is a direct disclosure of bank secrecy. At the same time, one can imagine the moral state of a person whose financial problems become the subject of review for all neighbors. But this is exactly what the work of "Phoenix" is aimed at: to break the debtor morally, to let him know that he will not be left alone and there will be no life for a person until he repays his debt.

Tinkoff's position for Phoenix's work

The existence of such firms was originally based on the fact that the bank, which could not repay the loan, sold it to collectors. Collection firms paid the bank only about 10% of the total debt, and took the rest of the amount “knocked out” of the debtor. Tinkoff considered that 10% is a very small amount, and therefore decided to create its own company that would deal with such problems. At the same time, Phoenix is registered as a completely separate legal entity, and when affected clients contact Tinkoff with complaints about the work of collectors, they may hear that their debt has been sold to Phoenix andthe bank has nothing to do with the work of collector employees.

Which side is the truth on?

Working in the Phoenix collection agency, reviews of which are quite difficult to find on the net, will require high stress resistance from a person. On various forums, the call center employees of this organization are expressed in a very unflattering way.

They are called "not very smart", unscrupulous and not "overshadowed" by special intelligence. This is due to the fact that they are forced to conduct a conversation strictly according to the script and do not have the right to deviate from the scheme approved by the management. Of course, it is understandable that people who have financial problems are unlikely to speak flatteringly about those who demand to pay off debts. On the other hand, before deciding to work as a collector, you need to understand very well what this job entails.