Klyukin Alexander Sergeevich Director of the Department of Compulsory Collection. "Creditexpress finance": do you need to pay them and what kind of organization is it? Director of the Department of Compulsory Collection Klyukin A S

Heavy economic situation and unexpected expenses force many Russians to take out loans. The organization involved in providing the loan can be either a bank or a specialized company created for this purpose. financial institutions. But borrowed money must be repaid on time. A collection company comes to help creditors. Among the many companies engaged in similar activities, one can single out Kreditexpress Finance. Do they need to be paid and what is it like? this organization, can be read below.

Collectors: who are they?

For the majority of the population of our country, collectors are associated with bandits who walk around with wooden bats and “knock out” a monetary debt from the borrower. This may be partially true if we're talking about about “black” organizations:

• Damage to property. Paint stains on the debtor's car, the front door was set on fire and the windows of the apartment were broken.
• Psychological impact. Constant telephone calls with threats not only to the borrower, but also to his relatives and even work colleagues.
• Physical contact. Beating or raping a debtor.

The above actions are prohibited and criminally punishable. Having evidence of such an impact on himself, a citizen, no matter how much he owes, must know that the law is on his side, and the offenders will be punished.

Organizations operating legally, the so-called “white” collectors, act differently. Having lawyers, economists and psychologists on their staff, they use only aesthetic methods to encourage the borrower to repay his debt.

Creditexpress: who are they?

The CreditExpress company is part of CREDITEXPRESS International, one of the largest debt collection corporations in Eastern Europe. The activities of Creditexpress can be characterized by the following administrative penalties:

• Early stage (overdue from 1 to 30 days). The company is trying to resolve the problem amicably. The borrower is offered several options for repaying the debt, everything is resolved peacefully and the parties part ways on good terms.
• Long-standing debts (overdue from 1 to 6 months). The debtor is motivated through telephone calls and notifications by mail.
• Bad debts. If the creditor considers the debtor to be a “hopeless” option, Creditexpress is happy to purchase such debts. Price loan portfolio ranges from 15% to 50% of the total debt.

The company itself positions itself with the following theses:

• Experience. CREDITEXPRESS has been on the European market for more than ten years.
• Strategy. Working in more than 14 countries, the company is well versed in the peculiarities of a particular region, and uses the best strategy to repay the debt.
• Ethics. Creditexpress respects both its clients and debtors. Respect and high standards ethics is the company's top priority.

Creditexpress finance: visit notification

Citizens with a long overdue period receive a notice of visit, in which Creditexpress threatens to appear at the borrower’s home. Allegedly, a certain “Department of Compulsory Collection” will inspect the debtor’s property, which can be sold with subsequent repayment of the loan. Let's consider three points that will dispel the officiality of this document:

1. None Department of Compulsory Collection No. This is just one of the methods of intimidating the client.
2. Only bailiffs can enter the home of any citizen, and only after an appropriate court decision.
3. Only government officials, but not collection firms, can collect debt (confiscation of property).

We can draw an unambiguous conclusion: the notice of visit from Kreditexpress Finance is nothing more than psychological attack on the debtor.

Collectors came home: what to do?

The appearance of debt collectors in front of your door indicates that during telephone conversations you gave in “slack” and did not show that you are legally literate. But what happened, happened. All you have to do is follow these tips:

• Calm. Judgment not accepted? Then you have the right not only not to open the door, but also not to talk to them.
• Law. The absence of a law that regulates the actions of debt collectors allows you to call the police if strangers start breaking down the door.
• Communication. If the collectors behave politely, advise them to collect the amount they need through the court.

The most important advice is never do not hand over money to collectors. There will be no receipts for repayment of debt legal force. If the amount is small and you want to pay the debt, you should use a bank transfer.

Why should all financial arrears be resolved through court?

Three reasons why you should not communicate with debt collectors directly:

1. Overpayment. In addition to the real amount, collectors will impose all sorts of fines on the debt. The court will force you to repay only the loan, and this, you see, is financially more profitable.
2. Guarantees. Have you paid the collectors? What is the probability that in a month another company will not appear with similar claims?
3. Art. 196 Civil Code of the Russian Federation. When communicating with collectors, this article is the main argument. If representatives of Kreditexpress Finance found out that you know about such a concept as original statute of limitations (is 3 years from the date of the last payment) , they will instantly switch to other clients and leave you alone.

Financial problems can arise for each of us. Having taken out a loan, you need to repay it to the borrower as quickly as possible. Otherwise, your obligations will need to be repaid not by the bank, but by the collector. One of the largest and oldest players in this sector is Creditexpress Finance. Do they need to be paid? Definitely No!

It is necessary to demand from the collector documents that would certify the fact of the transfer of their debt to the bank to this particular organization, and, if everything is legal, advise them to go to court. This way, you will get rid of the collector’s “interest markup” and return only what you actually owe to the creditor.

Video: Conversation with a creditexpress collector

In this video, there is a constructive dialogue between the borrower and a representative of the organization “Credipexpress Finance”, how to answer correctly so as not to pay them:

Approaching New Year brings not only postcards with congratulations, but also “letters of happiness” from all sorts of shady companies with “offers that you simply cannot refuse.”
It would seem that what could unite the Spanish conquistador of the 16th century and our city on the Neva, but nevertheless there was a lot in common...

In 1499, the Spanish navigator Alonso de Ojeda, following in the footsteps of Columbus to the shores of the West Indies, left a group of sailors hopelessly sick with scurvy on one of the islands. Returning a few months later, to his surprise, the Spaniard found the sailors left completely healthy: the sailors were saved by vitamin C, contained in huge quantities in local plants. Therefore, the surprised Ojeda named the island Curaçao (from the Spanish word “cura” - healing), which was later transformed into “Curaçao”, thanks to Portuguese cartographers. Subsequently, the island changed owners several times, eventually becoming a self-governing state with significant autonomy (status aparte) within the Kingdom of the Netherlands on October 10, 2010.

One of the main types of business thriving on the island is the offshore business. Within the scope of this article, we will not consider various tax evasion schemes and other illegal topics. For now we are only interested in one thing entity registered on this island, namely “Creditexpress”, which repeatedly changed signs by adding both individual letters and whole words to the main name. Currently, our heroes wear a sign - LLC "Creditexpress Finance" TIN 7707790885.

And so, the letter is a standard paper envelope, white, measuring 16 by 23 centimeters. The envelope has a typographical drawing of a red deer with snowflakes on it, the return address is indicated - PO Box 109377, and there is also an attention-grabbing inscription in red - “there is a discount for you inside!” and of course, Happy New Year (tears of tenderness ran down my unshaven cheeks).
The envelope contains two sheets of paper:

1). Letter of guarantee for cancellation of part of the debt. According to the letter, the recipient is guaranteed, subject to payment of half the amount of the existing debt by December 25, 2015, forgiveness of the second half. It is even confirmed by reference to the legality of the grounds for debt forgiveness by agreement of the parties and the assurance that neither Russian Standard Bank CJSC (hello to the Great Russian Tariko...), DDM Invest Agg (blah, who is this?) and Creditexpress Finance LLC will have to the recipient of the claims. Everything is certified by the seal of our friends and the signature of a certain Director of the Department of Compulsory Collection (gray hair is already adding to my temples) A.S. Klyukin. What is characteristic is that the seal and signature are not “alive”, but if you remember your police youth and look at them with the “armed eye”, you can find that they were made on an inkjet printer. Who Klyukin is and what his powers are is not known.

No power of attorney or job description not attached. The telephone numbers indicated in the letter - 8 8007753727 and 84959339657 - could not be connected to him (I am saddened). But, let's continue studying the “letter”. On the reverse side, the Federal Law “On Personal Data” is copiously quoted, and references to the Civil Code of the Russian Federation are provided. Everything is done in small, pale font. It doesn't read well. No respect for the people...

2). New Year's offer. Christmas wreaths and garland are painted on top. Then a link is made to loan agreement long expired limitation period. And then follows an appeal to conscience and a referral to certain numerous Debtors (no names or surnames, do they have a club of anonymous debtors in Curacao?), who every day contact the office with a request to cancel part of the debt (oil painting - Klyukin in the clothes of a planter with a monocle in an eye and a pith helmet stands under a palm tree, next to a pair of overseers with whips, and in front are thousands of debtors dressed in rags, kneeling and raising their hands to the sky, begging to meet them).

Further in the “letter”, as always, there is a link to bailiffs, and a couple of fuzzy pictures asking you to choose your own picture of the future - a kind of tattered room, even without wallpaper and a picture of a happy American family sitting on the stairs, giving gifts to a boy aged 11 - 12 9 (the owner of the company as a child?).
On the back there is information about the debt and how to repay it.
It would seem that the offer is profitable, but let’s figure out in the second part what kind of organization “Creditexpress” is...

There was no way to pay, but now there is, but I’m overwhelmed by Credit Express. I don't know what to do. Because I started calling my parents home, and I don’t live with them. They are intimidating that I am awaiting trial and a collection team will come to them and that my debt is blocked. How to act in this situation? Alexander, I’ll try to answer your situation. Establish such a concept in financial activities banks as a final account. In accordance with the end of forbearance on the debt, the bank can put it up for the so-called subject of collection. Therefore, a question for you: Did Leto-Bank put it up? If not, you need to contact the bank and ask to issue such an invoice. At the same time, ask the bank: was your debt transferred to a third party? There are two options for the development of events. 1) Leto-Bank issues a final invoice. You pay for it.

Comments I HAVE THE SAME PROBLEM...IN JUNE 2011, I WAS OFFERED BY PHONE TO SUBSCRIBE TO COOKING TASTY...I AGREED ON THE CONDITION THAT THE CARDS WOULD BE SENT BY COD PAYMENT...BUT THEY STARTED SENDING CARDS WITH PAYMENT FORM INSIDE. UPON RECEIVING THEM, I PAID IN SBERBANK. IN MAY 2013 I CALLED AND REFUSED THE NEWSLETTER.
THIS IS WHERE MY PROBLEMS STARTED. THE COMPANY BEGAN SENDING ME LETTERS DEMANDING TO PAY FOR TWO PACKAGES FOR A TOTAL AMOUNT OF 882 RUBLES. ONE PACKAGE WAS ALLEGEDLY SENT IN OCTOBER 2011, AND THE SECOND IN APRIL 2012. ALL MY ARGUMENTS THAT I DIDN’T RECEIVE THESE PACKAGES THEY DID NOT TAKE INTO ATTENTION... AND THE QUESTION WHY THEY HAVE BEEN SENDING PACKAGES FOR ANOTHER YEAR, IF I AM SUCH A HARD DEFAULT, THEY DID NOT ANSWER ME...
AND TODAY I RECEIVED A LETTER FROM THE CREDITEXPRESS COMPANY, WHERE MY DEBT IS ALREADY 1757 RUBLES.

OOO《creditexpress finance》

Website Special attention should be paid to the official page of the collection company. It's no secret that now with the help of the Internet you can find out everything about a particular organization.

Moreover, lies and deception are often revealed. Or even the company’s dishonesty. The official page of the corporation helps you decide.
Look at the address of "CreditExpress Finance". Do they need to be paid? Debt repayment is a mandatory process, but only when it comes to a proven and reliable organization. And if you consider that our company today often begins to bother citizens without debts, then you will have to carefully study all its components.

She's behaving very suspiciously. The official website, frankly speaking, does not inspire confidence. In particular, if you look at the date of creation of the hosting.

502 bad gateway

You receive a document (perhaps it will be an extract, a certificate - it doesn’t matter) about the absence of claims. However, I dare to assume that the amount of 50 thousand rubles taken by you will already be increased many times over. And already amount to several hundred rubles. 2) Leto-Bank states that your debts have been transferred to a third party.

Attention

Ask for a document that they have no claims against you. Ask Credit Express to send it in writing to you for review in confirmation of the demands made. They have no right to touch your parents at all. How children fight for their parents... but parents are not responsible for their children. Parents can only answer one thing - they don’t live here! If they pester you, let them write a report to the police about extortion. Now to repay the debt.

Creditexpress is a scam!

Quote: Angela from December 14, 2016, 21:59:39 What a horror, why is this so? My neighbors have the same story - a young couple lives, the owner died 5 years ago (I have never seen her, but I know from previous neighbors that they sold her), and the receipts all come in her full name Until the owner’s relatives take a copy of it to the Housing Office saint about her death and a statement with a request to write her out, the housing office will not know that she died, and people will pay communal fees for her as if she were alive. The registry office is not a slave; they are not obliged to run to notify all the offices about the death of a person. And in the housing office, most likely, there are no clairvoyants, how will they know? My mother-in-law died in the spring, so I went and discharged her, brought all the documents, but they didn’t immediately discharge her until they checked everything. It’s much creepier when, after a person’s death, relatives do not delete his pages on social networks.

Kazan. As soon as they call, the mood drops below the baseboard. They don’t know how to talk, conversations flow in a “parallel” manner, I raise my tone, the lady on the other end of the line generally starts yelling and being rude.

Important

They threaten me with going to court, send SMS messages “We demand payment, otherwise we’ll go to court” and stuff like that. I tried to explain in Russian that there are rules for the provision of services, which are written in black and white: 1.

That is, “CreditExpress Finance” (do they need to pay? The shortest terms are indicated, sometimes requiring a quick resolution of the issue) is only pursuing receiving money from the debtor. It doesn’t matter by what means, it doesn’t matter from whom exactly.

A conscientious collection company will never openly advertise its actions, much less threaten in written, documented form. It's like digging your own grave with your own hands.

After all, the debtor has every right file a complaint against the organization's actions.

Klyukin Alexander Sergeevich Director of the Department of Compulsory Collection

I don’t know how this epic will continue for me, but I don’t intend to pay. There is very good advice on the Internet from lawyers for such “victims” of CE. There is even a list of documents that we have the right to require from the CE for review. It is clear that CE are scammers. In this situation, I am amazed by the behavior of Rostelecom. A large serious company, but in reality it turned out to be scammers. They tried to fool me twice. First, when in unilaterally They concluded a contract for the use of the radio without me (they got me married without me). And then, almost three years later, some mythical debt was transferred to the CoE. At the same time, without notifying me, as a third party, either of the existence of such a debt or of the transfer confidential information another company about me!!! Hello! I read the most recent complaints. Conclusion: everyone has the same thing. They “knock” out of me the debt for using the services of Dom.ru.

Klyukin a director of the enforcement department

And also tell me, perhaps you know, if I still pay this office money, what is the likelihood that this epic with calls, etc. stop, or can they demand something else? Hello everyone! Looks like I'm also in your company. I received a letter from the EC with menacing threats about the description of the property, etc.

True, even the address on the letter was not accurate (wrong zip code, a different settlement was indicated, only the last name, initials and house number with the apartment matched). They are demanding a debt (on behalf of Rostelecom LLC) for... using a RADIO in the apartment in 2008-2011!!! Allegedly, I entered into an AGREEMENT with Rostelecom (in our time of the Internet, tablets and other sophisticated equipment) for the use of RADIO.

This is especially true for those who have not taken out loans or borrowings at all and do not have any debts to the state. After all, no collection company will just start sending notifications and warnings. This means something is wrong here. What exactly is CreditExpress Finance? Do they need to be paid? Collectors quite often claim to have an inventory of property. But usually they first “knock out” the debts. Our current organization is trying to do this too.

Looking on the map Well, let's try to figure out what's what. What exactly is CreditExpress Finance? Do you need to pay them, or is it better to ignore everything they send you by mail under any circumstances? Lawyers, and many users too, advise paying attention to several rather interesting points that can give you an accurate answer regarding further contact with the organization.

Dear Boris!
If you refuse to accept evidence, you have a really difficult time. Your position is not approved. Go to court.
You can contact Statement of claim to court.
Quote: Article 3 of the Civil Procedure Code Russian Federation. Right to go to court
1. An interested person has the right, in the manner established by the legislation on civil proceedings, to apply to the court for the protection of violated or disputed rights, freedoms or legitimate interests, including with a request to award him compensation for violation of the right to legal proceedings within a reasonable time or the right to execution court order within a reasonable time.
2. Waiver of the right to go to court is invalid.
3. By agreement of the parties, a dispute within the jurisdiction of the court, arising from civil legal relations, before the court of first instance makes a judicial decision, which ends the consideration of the civil case on the merits, may be referred by the parties to the arbitration court, unless otherwise established by federal law.
Article 151 Civil Code Russian Federation. Compensation for moral damage
If a citizen has suffered moral harm (physical or moral suffering) by actions that violate his personal non-property rights or encroach on intangible benefits belonging to the citizen, as well as in other cases, provided by law, the court may impose an obligation on the offender monetary compensation specified harm."
Article 25. The consumer’s right to exchange goods of proper quality
Criminal Code of the Russian Federation Chapter 21 Article 166
1. Immediate danger to others
Civil Code of the Russian Federation Chapter 59 Article 208
1. Theft, that is, the secret theft of someone else’s property, -
shall be punishable by a fine in the amount of up to eighty thousand rubles or in the amount wages or other income of the convicted person for a period of up to six months, or compulsory labor for a term of up to three hundred sixty hours, or correctional labor for a term of up to one year, or restriction of freedom for a term of up to two years, or forced labor for a term of up to two years, or arrest for for a term of up to four months, or imprisonment for a term of up to one year.
2. Theft committed:
a) by a group of persons by prior conspiracy, -
shall be punishable by a fine in the amount of up to eighty thousand rubles, or in the amount of the wages or other income of the convicted person for a period of up to one year, or by restriction of freedom for a term of up to three years, or by forced labor for a term of up to three years with deprivation of the right to hold certain positions or engage in certain activities. for a term of up to five years, or imprisonment for a term of up to five years with or without restriction of freedom for a term of up to one year.
3. The same acts committed with the aim of concealing another crime or facilitating its commission, -
shall be punishable by imprisonment for a term of six to fifteen years with a fine in the amount of up to five hundred thousand rubles or in the amount of the wages or other income of the convicted person for a period of up to three months, or by compulsory labor for a term of one hundred eighty to two hundred forty hours, or by corrective labor for a term of one to two years, or imprisonment for a term of up to four years with a fine in the amount of up to eighty thousand rubles or in the amount of wages or other income of the convicted person for a period of up to six months, or without it and with restriction of freedom for a term of up to one and a half years or without it.
4. Acts provided for in parts one, two or three of this article, committed by an organized group or in special large size, -
shall be punishable by imprisonment for a term of two years with deprivation of the right to hold certain positions or engage in certain activities for a term of up to twenty years or without it and with restriction of freedom for a term of up to two years or without it.
4. Acts provided for in parts one, two or three of this article, resulting in the death of a person through negligence, -
punishable by forced labor for up to five years with deprivation of the right to drive vehicle for a period of up to three years.
(as amended by Federal Law dated 12/08/2003 162-FZ)
(see text in the previous edition)
4. Establishing the volume of energy consumption, as well as the requirements contained in the performance of trade labor duties, is adopted by the employer according to the rules of paragraph 2 of part 1 of Article 32 of this Code.
3. Air exchange, fines, penalties and fines are not subject to exchange. The bailiff initiates enforcement proceedings based executive document at the request of the claimant or on his own initiative. In this case, the debtor has the corresponding federal law (clause 1 of Article 293).
Sincerely. email mail.

On January 1, 2017, the long-awaited, so-called anti-collection federal law No. 230 of 07/06/2016, signed by the President of the Russian Federation V.V. Putin, came into force. Its provisions speak of strict restrictions on the activities of collection agencies in Russia. Thus, the main part of the law talks about the creation of an additional department in the state register Federal service bailiffs for mandatory registration of collection services for further activities. Additional provisions of Federal Law No. 230 regulate the activities of all agencies registered in the FSSP register (this is also done to protect the interests of such government organization, How ).

Among the restrictions most expected by borrowers, we noticed the following:

• The collector no longer has the right to disturb the debtor more than once a day or more than twice a week;
• The collector does not have the right to meet with the debtor more than once a week;
• Calls to the debtor at night are prohibited (from 22:00 to 8:00);
• Calls from unknown/hidden numbers, etc. are prohibited.

As we can see, in theory, things in this financial area should improve for debt holders. However, it is too early to give a definite answer to the question of how this law will work in practice.

In return, we will try to provide you with all the significant information about one of the most famous collection agencies in the Russian Federation, which will allow you to make the right decision: to trust the Creditexpress Finance company or not.

Department of Compulsory Collection LLC Creditexpress Finance

Kreditexpress Finance, as one of the largest enforcement departments in the Russian Federation, decided not to abandon its previous activities and officially registered in the FSSP register. If you still doubt that the bank has begun to comply with the law, then you can independently check whether it has state registration on the official website of the bailiffs. You just need to enter the following information in the search bar: “LLC Creditexpress Finance INN 7707790885 KPP 770701001.” As a result, you will receive comprehensive information about the activities of the collection agency Creditexpress Finance.

The list of services provided by Creditexpress Finance includes:

• Collection of debt of an individual at the early and late stages of its development;
• Collection of corporate debt from a legal entity;
• Judicial penalties;
• Monitoring and analysis of debt activity;
• Debt redemption.

The collection agency Creditexpress Finance cooperates with a large number of banks, so it is worth keeping in mind that if any problems arise with the law, it, as a legal entity, will lose much more than you, as an individual, are capable of losing. Moreover, as per the latest news reports, the collector has started acquiring complete cess packages from other agencies. This means that Creditexpress Finance plans to stay in the Russian debt market for a long time, which in itself means careful conduct of future business.

Official website of Creditexpress Finance

You can also visit the official website of the collector to find out about it detailed information, which allows you to protect yourself from him if a collector violates your rights and freedoms. Having found out the location of the Creditexpress Finance office in your city, you can take a number of preventive measures to punish any collector.

The site may also be useful to you if you want to get to know even better who you are collaborating with. To do this, you can read their news feed, read the Kreditexpress Finance documentation, or even contact them and directly ask them the question you are interested in.

Reviews Creditexpress Finance

Before the signing of the above-mentioned federal law by Vladimir Putin, reviews of all collection agencies on the Internet were completely negative, regardless of the actual quality of work with clients. Therefore, finding an adequate review on the Internet about such a company was quite problematic. And since the activities of private commercial organizations debt collection was initially illegal, it was almost impossible to even monitor the work methods of such companies. After all, when illegal activity was discovered, the violating company was immediately closed government services, and in the absence of evidence there was really nothing to track.

But since January 1, the situation has changed dramatically. The first reviews of cooperation with collectors under new, “human” conditions are gradually appearing. Among them, it is noted that Creditexpress Finance LLC no longer sends a notice of visit after visiting the debtor with the marked backdating date, but calls and plans the time and place of the meeting, depending on the convenience of the client. Internet users immediately noticed that companies officially registered in the State Register began to comply with the law and treat debtors noticeably better. After all, this is now in their interests, since the existence of the collector’s business has now begun to depend on it. For gross violations of the rights and freedoms of debtors, the registration of an enterprise can now be taken away, thereby depriving it of the right to carry out its activities.

Creditexpress Finance do they need to pay?

As we have already found out, now all collection agencies that have passed the official state registration, are under the control of the relevant government agencies. This means that their activities are monitored. Since the Federal Law, which came into force on January 1, will only be improved in the future, and collection agency Creditexpress Finance is subordinate to the already existing federal law, then you can safely hope that none illegal action organizations will not go unpunished. However, it is worth keeping in mind that no one is immune from the human factor when collaborating even with the most reliable company.