If the person for any reasons ceases to pay on the credit, then the meeting with collectors is inevitable. Such organizations build the work on the principle – all possible verbal ways to force the person to return money. They use different threats which many people do not maintain therefore it is important to know how to talk to collectors that they reduced an impact, or in general disappeared.
Most often the similar organizations threaten that they will file a lawsuit, will promote deprivation of the parental rights, will take away the apartment or any other property. Collectors not only call on personal phone numbers, but still can disturb neighbors, colleagues and the administration at work and even the management at school of children. From all options of threats which will be thought up by collectors of real only one is – submission of the claim in court and the bank does it.
How to talk to the collector and what to tell?
At once it would be desirable to tell that activity of the similar organizations is not supported with the law and does not submit to any public authority. If similar calls, then the first that needs to be made – to look at the contract began to arrive and to find there point where it has to be specified that the bank has a right to transfer debt to the third parties. When it was not succeeded to find such mark, then the bank secrecy was broken and it is possible to address in an institution with the claim. If such point is, then it is necessary to understand as it is necessary to talk to collectors.
The first that it is necessary to make – to demand the copy of the contract or the power of attorney from bank. Just throw the collector with simple questions, as How You Can Prove the Powers?, etc. It is important that documents were with the seals and all copies. Still surely ask documents which will confirm powers of the persons certifying the contract with collectors.
Councils how it is necessary to talk to collectors?
- Activity of the similar companies it is based on every day to implement a certain plan for calls, being in office. In that case it is necessary to agree about a meeting with the collector in the neutral territory to have an opportunity to confirm the personality of the person, to look at his documents and the contract. The task is in bringing to the extortioner of inconvenience.
- Activity of many organizations is based that the same debtor is called by different people, creating thereby additional nervous tension. In that case it is necessary to work on already considered scheme, that is to ask the identity card, documents and contracts.
- Lawyers, saying about what to do if collectors call and as to talk to him, give such practical advice – write down all talk on a dictophone and at receipt of threats at once go to police, prosecutor's office and other similar bodies, and write the application. It is important that complaints were the most reasonable without any emotions.
- Collectors already at the first conversation with the debtor form about it a psychological portrait, and then, find strong and weaknesses. In that case the task is in giving itself for other person.
One more important point, which it is worth understanding – as to relatives to talk to collectors if they threaten. In that case there are two ways on which it is possible to move in such situation. If close people are called by collectors, then they can state them everything rudely that they did not disturb. The second option – relatives can tell collectors that their victim has to not only to them, and they wait for return of money. It is possible to go and some other way, for example, relatives can call several times a day collectors to learn whether they could receive money.