An arbitrariness of the collection agencies is one of the hottest topics today. Therefore everyone who has credit obligations needs to know how to communicate with collectors that will keep normal health and not to give in to psychological pressure.
How to communicate with collectors by phone - councils
If you were tortured infinite calls at any time and also infinite insults and threats, then you need to acquire the basic rules how to communicate with collectors by phone.
- Mentally adjust yourself on fighting back aggressors, you have to be morally ready to attack in reply. Be not afraid of shouts and threats, it only words, insults are unpleasant, but they are not material.
- Talk most politely, do not react even to obvious insults.
- At the beginning of the conversation try to find out from the interlocutor, of what bank it acts on behalf on what basis. Surely check all obtained information: call the agency, find its website in the Internet, find out whether they have official permission to collection activity.
- Do not give any information on yourself. If the employee-collector obtained your data in bank in the lawful way, then at it and so has to be all necessary data.
- Ask the collector to state quietly reasons concerning how it is possible to work in the circumstances. Explain why you cannot repay a debt now. Report that are ready for judicial proceedings.
- If constructive dialogue is impossible, hang up a receiver and you do not answer phone any more.
How competently to communicate with collectors at a personal meeting?
It is also important to know how it is correct to communicate with collectors when they come to you to the house. If the visit has obviously aggressive character, do not open a door and call the police. If unexpected guests are ready to dialogue, demand documents that the employees who were to you are authorized to demand a debt on behalf of any bank in the beginning. It has to be not just the copy of the contract, and notarized official paper. If it is, then you all the same should not let collectors in the house, invite them to the street, to a ladder, somewhere to other place. If you do not accept terms of payment of a debt offered by the collector, threaten with court. Also do not agree to sign any documents.