Collectors are threatening what to do? Do collectors have the right to threaten?
Economists say that loans are an enginedevelopment of the economy. However, this judgment is true only with decent credit conditions and a decent performance of its obligations by all the parties involved in this process.
If these conditions are not respected, then the problems begin, which at one time hit hard on the financial well-being of many countries and the international economy as a whole.
When the bank starts to file claims forcredit, a person is usually not protected in front of this financial machine. In this article, we'll figure out how to behave properly when collectors threaten what to do and where to turn for help.
Why are there such problems?
People take loans mainly for one reason -there is no way to pay the whole amount at once to buy the necessary thing. When making a loan, borrowers choose a time frame in which the level of the monthly payment will be low enough to negatively affect the family budget.
However, only fortune tellers know what awaits everyoneof us ahead. And sometimes there are situations when incomes fall sharply, and there is no possibility to make payments on the loan on time. In this case, there is a delay in the loan.
There are also such moments when the bank itself increases the interest rate under the contract, and it is no longer on the payer's part.
When such situations occur, the bank maysell your debt to the collector. And their methods of work can not only affect your health, but also your physical health. If you are in this situation, and you collectors are threatening what to do, we'll figure it out further.
Knowing the laws is your weapon
People, professionally engaged in the repayment of debts, are accustomed to taking their victims in a snare. Threats of physical violence, phone calls at night to relatives and other tools become their assistants.
However, their powers, given by the state, clearlyare defined in the legislation. Relevant articles can be found in the Law of the Russian Federation "On Consumer Credit," which clearly spells out the rights of collectors. So, if you collectors are threatening what to do in this case? First of all, read the letter of the law.
For example, there is a clear rule governing the time period in which you can call "extortionists": on weekdays from 8:00 to 22:00, and on weekends - from 9:00 to 22:00.
It is also worth noting that the collection organizationdebt has the most common rights that other commercial firms and companies have. This means that they can not do anything to contradict the law. Understanding this will help you not to lose control when collectors threaten you. What if they violate these rules?
We need to boldly tell them that they go beyond the laws, with a clear tip over a specific article. Believe me, they do not expect this.
Any threats are outside the scope of the legislation of the Russian Federation.
Do not agree and go on about“Extortionists”. Do collectors have the right to threaten? Of course not. No matter how terrible a collector may be or by his voice, he is not allowed to indirectly or directly threaten you.
And this is precisely the main weapon“Extortionists”. The main threats boil down to the fact that you are advised not to walk late in the evening in the dark alleys, take the children out of school on time and turn off electrical appliances at home.
In these statements has the fact of hidden threats:
in the first case, you are threatened with personal injury;
in the second variant they hint that children can be kidnapped;
in the third case they talk about arson.
Undoubtedly, all this can bring any personout of balance. In such a case, collectors may be held accountable under Article 163 of the Criminal Code, which describes signs of extortion under threat of physical violence or damage to property. For this, a term of imprisonment of up to 4 years and a fine of 80 thousand rubles.
Threats from a financial institution
If the bank threatens collectors, then you canto worry about. First, it is against the law. And secondly, not all banks can afford to carry out competent and effective work using collectors.
Of course, it makes sense to solve the growing debt issue.immediately, having drawn up an additional loan restructuring agreement with the bank. In this case, the likelihood that your communication with a financial institution will reach the hiring of collectors is much reduced.
However, if you agree amicably with the banksucceeded, and the collectors are calling and threatening you, see the steps below. Compliance with these points will help you to talk with “extortionists” not as with hunters, but as with victims.
Concrete actions
If you are threatened by collectors with a court or something else, do not panic. The first step is to figure out how they relate to your credit relationship with the bank.
After all, a person signs a contract forgranting a loan with a bank, but not with a collection organization. Therefore, check with them what company they represent, what claims they have against you and on what basis they are presented to you.
Depending on their answers, choosecorrect conversation tactics. Maybe two different ways. The first is when an agency agreement has been concluded between the bank and the “extortionists”. Second, if the bank has sold your loan to a collection company.
Agreement between the bank and collectors
In the first situation, they only have the right to callto remind you about your debt to the bank. There are no legal consequences for you such calls do not carry, even if the collectors are threatened by the court, so you can not even respond to them.
If you are called from an unknown number and youunderstand that this is a collector, then say that any conversations will only be in court, and hang up. Immediately add this number to the black list so that you can no longer disturb you from it.
Seeing that you are not picking up the phone orblocked their numbers, you can start sending SMS, with the help of which collectors are threatened with violence. They can be of a very different nature. For example, there are such options:
A rapid response team has been sent to you; be ready to open the doors in 15 minutes;
tomorrow an appraiser of apartments will come to you, we will decide how much you can sell your property;
if you do not want to have health problems, then return the money within a week.
Other, more rude phrases are possible.
Their task is to scare you
The meaning of this whole thing is that youscare and create moral pressure. You do not need to reply to these messages, save them in the phone’s memory and print them on paper so that the date and number from which they were sent are visible. This will help you in court to prove the violations that the collectors have committed in the course of their work.
And if they came to your house and knocked on the door,immediately contact the police. The attire of law enforcement officers will cool them down. Do not be afraid of this action, because your police loan is absolutely not affected, and they can not do anything to you. But hooligans are able to pull down from the landing.
If your loan is sold to collectors
If the bank, clearing its balance sheet, has resold your credit debt to a collection agency, then matters are somewhat more complicated. After all, the latter are legally entitled to demand the return of your debt.
However, banks do not always have the right to doin this way with your borrowers. In this case, when you are looking for where to turn if collectors are threatened, it is better to choose a lawyer who specializes in such cases.
Usually, professionals are immediately advised to complain about such actions. Recalling your personal data and drafting a ban on their processing can, at first, cool down the fervor of extortionists.
You will also be advised and will help you in the event of threats to your relatives in case of threats to the police, as well as the prosecutor's office.
Draw conclusions
First of all, do not panic. Find out who represents the employee who calls you and says about the debt, ask how he relates to your loan.
Operate with the letter of the law, speak to collectors about their violations. If it does not work, then contact the relevant authorities, send copies of the statements to the “extortioners”.
It will be useful to appeal to lawyers whodeal with similar issues. It will not be difficult for them to calmly collect collectors and agree on the restructuring of your debt in order to reduce the burden on your budget. There were also situations when they managed to write off part of the overdue debt in connection with the identification of various violations by the bank.
