The best way to get rid of annoying collectors is to hire a loan lawyer. He knows all the nuances of this process and will be able to place everything into its place. And although independently, without the involvement of a specialist, it is quite difficult to achieve a positive solution to the issue, many are trying to counter collectors on their own. How to do it?
1
If you cannot pay a full loan fee, contact a bank asking for restructuring, providing a grace period. If there is an adequate reason (the financial situation has deteriorated, there was expensive treatment, a child was born, fired from work) the bank could meet and resolve the issue in peaceful way. Before visiting the institution, prepare: Check how much you can pay monthly.
2
Collectors can work under a cessia agreement either by agency agreement. In the first case, the right to debt is rendered by the Bank by a collector firm, which acts at its own discretion, independently choosing the impact methods on non-payers and their guarantors. If there is an agency agreement, the right to require the Bank remains, and collectors perform intermediaries - remind of debt, force the situation. Therefore, the very first task for the period is to find out who owns debt.
3
After you determine what kind of relationships are associated with banks and collectors (who have rights to demand a delay from you), you should ask you to write an account or certificate of debt. The document must be certified by the seal, signatures of responsible persons. Then calculate yourself how much you owe to the bank. It is necessary to take into account the main amount of debt, interest, penalties, penalties for late repayment. Sometimes collectors artificially overstate the amount of delay in the hope that the borrower will not recheck the information.
4
If the client did not agree to the processing of its personal data in the Bank, the organization has no right to transfer any information about it to third parties, including manifiers. If such a statement was signed at the issuance of a loan - it can be withdrawn by sending a letter to the bank or visiting the separation personally. After that, it is necessary to write a letter to collectors and to the credit institution in which it is indicated that you did not give permission to disclose your information and you will complain about Roskomnadzor, the prosecutor's office. Some collector firms already at this stage cease to make claim to borrowers.
5
If collectors violate the law, contact the prosecutor's office, the police, you can also write a statement to Rospotrebnadzor. The reason can serve:
the visit of collectors home (an application for an attempt to illegally penetrate your housing, for hooliganism);
night calls by phone (application for administrative violation);
the requirement to pay debts without the provision of documents confirming such rights (statement on extortion).
6
Submitting any application, leave yourself a second copy with a note about the adoption of the document. A copy of the document should be sent to the collector agency. Download from us:
If collectors behave aggressively, incorrectly, try to fall on video, photos, audio products. This will make proof of the violation of law enforcement on their part. Or find the witnesses of your meeting, such as neighbors.
Application for collectors when trying to illegal penetration;
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