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To collect debts, banks and other organizations often resort to the help of collection agencies that can buy up debts or perform collection services.

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Although the activities of collection agencies are prescribed, most often they resort to illegal methods, threatening and intimidating debtors.

Faced with such situations, most debtors do not know how to behave properly, build a conversation with an annoying agency employee.

Banal ignorance of the laws and their rights leads to the fact that the debtor is often forced to pay huge amounts, including debt, fines and other sanctions.

What do you need to know?

If an individual or legal entity inevitably has to deal with debt collectors about non-payment of debt, they should be aware of their rights.

It should be remembered that:

• collectors do not have the right to communicate or call the debtor's employer and provide third parties with information about insolvency, thereby violating bank secrecy;
• only a person who has taken out a loan can be forced to pay a debt, with the exception of guarantors, “marital” debts and those who have inherited;
• the debtor can always apply to law enforcement agencies with a complaint about the actions of collectors;
• if collectors threaten - they violate the law, the debtor has the right to immediately stop communication;
• the debtor has the right to record conversations and meetings with collectors on audio-video equipment;
• only a bailiff can confiscate property after a court decision;
• threats of legal proceedings most often remain only threats;
• it is necessary to avoid conflict situations, panic when dealing with collectors, remain calm and not succumb to moral pressure;
• the debtor is not obliged to fulfill the requirements of new creditors (collection agency) until he receives the relevant documents;
• the limitation period for the loan agreement is 3 years, after which no one can claim the right to the debt;
• an increase in the amount of debt and the imposition of additional penalties on the debtor are illegal actions of collectors.

Law

In order to know how to communicate with collectors, you need to familiarize yourself with the legal basis of their debt collection activities, these are:

• Decree of the Plenum of the Supreme Court of the Russian Federation No. 17 (28.06.12) on the rules for the transfer of rights of claim on a loan;
• letter of Rospotrebnadzor No. 01/8179-12-32 (23.07.12), paragraph 11 - the possibility of challenging the norms of the loan agreement concluded by the borrower;
• - an assignment agreement to a third party;
• legislative act on enforcement proceedings;
• draft law on collection of overdue debts;
• Federal Law No. 353, Art. 15, paragraph 3 - about ways of contacting debtors.

Causes

One of the threats of collectors is the proceedings with the debtor in court, the agency has to apply full right.

But in practice, most often it does not come to this, because the court, given financial position debtors, most often takes their side and collectors turn out to be the losing side. As a result of such proceedings, they will have to pay a considerable amount of state duty.

Therefore, debtors have no reason to fear judgment. Although the debt will have to be repaid, but by hiring a competent lawyer, you can win the process and reduce the amount of penalties several times over.

How to communicate with collectors?

Collectors can make claims against the debtor if they have legal grounds to do so.

Therefore, already at the first meeting, the debtor is obliged:

• find out who he is dealing with;
• check the identity of the agency employee;
• inquire about the documents of the organization;
• get information about legal .

It is also necessary to find out whether the representative of the collection agency is a fraudster or a figurehead.

If the debt is sold by the bank, the debtor is obliged to demand an assignment agreement and a bank statement showing that the bank has transferred the debt to collectors.

It is also necessary to request a calculation of the amount of the debt, more reliable information will be given by the bank.

After making sure of the legal requirements of the collection agency, you can begin communication.

By phone

The main method of communication between collectors and clients is threats, blackmail and intimidation, which is designed for the faint of heart debtors.

They conduct most of the negotiations on the return of the debt by phone, and often call at an unspecified time, often annoyingly demanding an immediate resolution of the issue.

The debtor needs to know in order not to fall under their moral pressure:

• it is better to record conversations on audio, fixing the date of communication and time;
• at the beginning, the collector should be warned that a recording will be made;
• it is necessary to ask the employee to introduce himself, name his agency, the original creditor with whom the contract was concluded;
• during the conversation, do not provide any information about yourself and your financial situation, family members;
• the conversation should be conducted in a restrained manner, briefly answering questions, not making excuses and trying to remain calm, despite the negative words of the interlocutor;
• when threats are received, you can safely interrupt communication;
• you should not make any promises to pay the debt, but you will have to return it, so you can agree to a trial in judicial order;
• it is best not to let the collector interrupt you and set the tone of the conversation yourself;
• you can ask about the proposal from the collection agency to pay off the debt;
• the debtor may also ask to pay the debt in several stages or after a certain time;
• the date of the next communication must be assigned to the debtor, in this case, the rest of the calls before the day of negotiations can be ignored.

When we will meet face to face

Personal communication with the collector is possible only by agreement, if the debtor did not allow him to come home or to work, he does not have the right to do so.

When the collector rings the doorbell and the meeting has not been scheduled, the debtor has the right not to open.

If the collector meets the debtor at the entrance of the house, you must demand:

• identity documents;
• a signed power of attorney for the execution of powers;
• assignment agreement or a copy thereof.

If the debtor's requirements are not met, he can safely move away from the collector and not answer his questions.

If the collector tries to break into the premises, exerts physical or moral violence, it is necessary to call the police.

In general, a conversation can take place only if the debtor does not mind answering the collector's questions.

If you can't pay

When the debtor cannot repay the debt, he has two options:

• avoid contact with collection agency, thereby giving rise to legal proceedings, where you can win a reduction in the amount of debt;
• offer your own repayment terms: payment schedule, payment after a while, and more, but in this case, you need to verify the amount of the debt and be ready to repay it in full.

When the borrower agrees to repay the debt in full, he must understand that penalties and penalties for late payments have been added to the amount of debt on the loan, so the amount of debt has increased several times.

He can defend in court a reduction in the amount of debt, or agree to pay debts for a long time.

When there is absolutely nothing to pay, you will have to wait for the court's decision, most often he takes the side of the debtors, given their financial situation.

The debtor can use a "cunning maneuver" in relation to collectors, creating the image of a "difficult debtor".

In this case, the best tactic would be an attack: write statements to the police, complain to the prosecutor's office or court, scandal, find fault with documents, considering them invalid, in general, any possible ways. This will help to delay the repayment time for some time, but will not get rid of the debt.

If not a debtor

When collectors make claims unreasonably, a citizen or entity should be contacted by law enforcement.

The reasons may be different:

• errors in the database;
• stolen documents;
• fraud;
• other.

that threaten

Any communication, by phone, in person with the collector, should be terminated without warning.

The law prohibits debt collectors from using methods of intimidation and threats, therefore, in case of pressure, the debtor has every right to contact law enforcement agencies. He must first inform the collector about this.

Correct dialogue

The main rules of dialogue are:

• request to present documents at a personal meeting;
• after warning an agency employee about recording conversations on audio or video equipment, fix them;
• record the time and date of calls;
• stop arrogance, rudeness and insults that come from the collector, remind about their rights.

What to do in case of illegal actions?

Aggression on the part of collectors can and should be stopped by contacting law enforcement agencies: the court, the police, the prosecutor's office, Rospotrebnadzor, the Central Bank.

To do this, you must write a statement of illegal actions and attach evidence:

1. When trying to enter a residential area in order to inventory the property: demand to show documents, call the police, ask neighbors to be witnesses of the incident. It must be remembered that only bailiffs can describe and seize property.
2. When threatened with imprisonment, be guided by fraud. She says that criminal punishment is possible if the borrower has not made a single payment after drawing up a loan agreement.
3. Previously, the borrower-debtor was obliged to write explanatory note to the bank about the reason for the late repayment of the debt. It can be used to prove that the actions of the debtor are not malicious and deliberate. The note can be shown to collectors and presented to law enforcement agencies.
4. If the debt is not sold and collectors do not act on the basis of an assignment agreement, they can be influenced through the Central Bank and Rospotrebnadzor, where complaints about disclosure should be sent bank secrecy and personal data.
5. When demanded by collectors to pay the debt in cash, declare that they abuse their official position and engage in extortion. Payment of the debt is made only by bank transfer to a bank account. Therefore, you can safely go to court.

Solution

It is possible to resolve the issue peacefully only by paying the debt.

How to get rid of collectors? This question worries many of our citizens today. We constantly hear scandalous stories in the media. In one region, collectors come home and set it on fire. In another, a child was burned with acid. Many remembered the nineties of the last century. How to get rid of collectors legally? Let's try to figure it out in this article.

Who are collectors?

Collectors are agencies involved in pre-trial debt collection. Many mistakenly believe that the actions of such institutions are illegal, that they do not have the right to any activity without the consent of the borrower. This is not true. The Civil Code provides for the transfer of credit claims to third parties. This can be done without the consent of the borrower. The contract for the assignment of claims is called a cession.

Why do banks lend to debt collectors?

Before you get rid of collectors, you need to understand where they came from. Banks and credit institutions seldom collect the debt themselves. This happens for several reasons:

• Shortage of employees for pre-trial recovery. Therefore, collectors call us, and not bank employees from whom the loan was taken.
• Reputation preservation. The recovery is accompanied by actions that often go beyond the law: employees, through negligence, said the wrong thing, called at the wrong time, did not introduce themselves properly, etc. Another thing is a third-party company. It creates a reputation among credit institutions. Consequently, a negative assessment in society is not reflected in her income.

For these reasons, banks enter into assignment agreements. Conditions in each case are individual. In most cases, collection agencies buy debts in bulk, in bundles, paying 10-15% of the value of the debt for them. It is more important for banks to get rid of unnecessary liabilities than to bargain with collectors, since the volume of overdue debts worsens their rating in the eyes of the Central Bank.

What does a borrower need to know about an assignment agreement?

It is important to know that the borrower himself cannot influence the assignment agreement. This means that such a concession is quite legal. How to get rid of collectors in this case? The fact is that the borrower must be warned that the lender has changed. By civil code, it is entrusted to the credit institution that issued the loan. In other words, if your debt was transferred to a third party, then the bank, and not the collectors, is obliged to notify about this. In practice, this rarely happens. Banks sell loans, especially small ones, in bulk. Consequently, they seldom follow the letter of the Law and give the borrower the proper warning. How to get rid of collectors in this case? It is enough to declare officially, in writing, to the agency that demands the repayment of the debt, that their demands are illegal, referring to the fact of ignorance.

The main argument is a violation of the notification

Anyone can call and demand any debts. Therefore, it is important that the borrower is formally warned properly. Main mistake citizens in that they try to please the collectors, and begin to explain something to them, thinking that an understanding and kind person is sitting on the other end of the wire, able to enter into the position of a borrower. This is not true. The goal of a collector is to extract as much money from you as possible.

They are not interested in what difficult financial situation the borrower is in, how many children he has, that he is ill, etc.

Therefore, if possible, it is necessary to talk to them as closed as possible, referring to various laws and codes. After the borrower submits an official application to the collection agency, you need to hold out for 30 days. That is how much time the organization has to coordinate all the documents and make a decision. In the appeal, it is necessary to indicate the illegality of the actions, since no one properly warned the borrower about the assignment agreement. Remember that the collectors themselves do not provide such information by telephone, no matter how convincingly they state this.

The best way is to contact the prosecutor's office

If after a month no notifications or answers from the agency have been received, but collectors are still calling, then you can safely contact the prosecutor's office. It is advisable to attach copies of appeals to the application, as well as notifications of their receipt by the collection agency. However, the lack of evidence is not at all an obstacle to filing a complaint with the prosecutor's office. In this case, law enforcement agencies will request all Required documents at the organization. The main thing is to state the essence of the problem in the complaint in as much detail as possible.

We have sorted out the problem that has developed with the debtor himself. But how to get rid of collectors forever if the citizen did not take any loans? More on this later.

I did not take a loan, but there were problems with collectors

Calls and threats to citizens who have never taken loans are a frequent occurrence in our country. Situations are different: they call relatives, neighbors, former spouses, employers with demands to influence the debtor. Particularly egregious precedents, when collectors demand to pay off the debt of other citizens from those who have nothing to do with these same debts. Sometimes it comes to threats and physical violence. So, let's figure out how to get rid of calls from collectors to those citizens who are not involved in the borrower's debts.

We defend ourselves legally

The legislation provides for various cases in this regard, depending on the situation:

• If a citizen who has not taken a loan is simply pestered by annoying phone calls, then you can file an application with the prosecutor's office under Art. 13.11 of the Code of Administrative Offenses - violation of the legislation on personal data.
• The actions of collectors can be qualified as petty hooliganism (Article 20.1 of the Code of Administrative Offenses). To do this, you need to call the police and demand a protocol. Law enforcement officers will not be very happy about this, because without it they have a lot of work. Therefore, happy faces should not be expected. However, it is still necessary to demand the drawing up of a protocol, to defend one's rights.
• It is advisable to put an automatic voice recorder on the phone. This will provide evidence. Collectors are on duty, therefore, recording a conversation with them on a voice recorder does not violate the law. If during a conversation, and this happens often, a citizen is insulted, then this falls under Article 5.61 of the Code of Administrative Offenses.
• The requirement of collectors can be qualified as extortion. This is a very serious violation, which receives the status of a crime, and is regulated by the Criminal Code (Article 163 of the Criminal Code).

Calling relatives is illegal

It is important to know that the interaction of creditors with third parties is illegal, despite the fact that debtors leave additional phone numbers of friends, relatives, and acquaintances. This is done in order to check the debtor, and not in order to demand a debt from relatives in case of non-payment. Now we know how to get rid of collectors legally. Recent media hype has prompted the emergence of a new Law. Let's analyze it in more detail.

New law on collectors

So, how to get rid of calls from collectors? And not only from them. How to completely protect yourself from illegal activities? There is only one answer - with the help of increasing legal literacy. Collectors, as a rule, find people who are illiterate in the field of law. This is what they use. We list the mandatory minimum in order to understand how to get rid of collector threats:

Now we know how to get rid of calls from collectors, as well as personal meetings. It is enough just to contact the prosecutor's office if one of the five requirements listed above is violated.

What you need to know about the actions of collectors

Citizens need to know that minimum of rights in order to protect themselves and their loved ones from illegal actions:

1. Collectors do not have the right to seize any items. This can only be done by bailiffs by order of the court.
2. Collectors have no right to invade private dwellings. This right is also given either by the court or the prosecutor's office. Such permits are given to public services. And then, for this there must be very weighty arguments.
3. In credit bank agreement there may be no clause that allows assignment of ownership to third parties. This is rare, because banks necessarily include it in the contract. However, such cases still occur.

Results

So, we explained how to get rid of collectors by phone, protect yourself and your loved ones from their illegal actions. We hope that the above information will help in a difficult life situation.

Many people are forced to apply for different loans for a variety of purchases and expenses. Often banks and other credit organizations make it possible to take out large amounts of borrowed funds quite simply, which leads to the formation of a significant debt.

People may not even preliminarily evaluate their own financial condition Therefore, a situation arises when they cannot cope with debts on their own.

Creditors can go to court, but often sell debt to collectors or use their intermediary services. It is necessary to communicate with these specialists carefully and competently in order to guarantee the protection of your rights.

All debtors are forced to face different influences from collectors or bailiffs, as well as employees of the security service of the bank where the loan was originally issued.

All of the above specialists begin to regularly call home and work, communicate with relatives and neighbors, come home, and often even threaten with physical violence.

Important! If indeed the collectors immediately begin to blackmail or threaten, then it is advisable to use different programs for recording telephone conversations so that there is evidence of the misconduct of the collectors, after which you can contact law enforcement agencies with this evidence.

In personal contact with collectors, it is advisable to follow certain legal advice:

• it is not recommended to let them directly into the apartment, as this can be dangerous for the health of a citizen;
• it is necessary to study the law “On collectors” in advance in order to communicate with these specialists exclusively within the framework of the law;
• collectors are not officials therefore, by law, they cannot demand that they be allowed into the house;
• if the specialist understands that the debtor is well versed in the laws, then he will immediately begin to act in accordance with various legislative acts;
• if the collectors come at the wrong time, then you can not open the door for them at all, and on weekdays they are allowed to visit from 8 to 22 hours, and on weekends this period is reduced from 9 to 20 hours.

How to talk to a collector? Video Tips:

Important! If a person is well versed in the laws, then he himself will want to talk with collectors in order to find out exactly what these specialists need, since such behavior often makes it possible to find out the future outcome of the case.

Checking the legitimacy of claims

If collectors visit the debtor, then first you need to find out if they have legal grounds.

For this, the following actions are performed:

• initially, you need to ask for the documentation that the visitor has, since he must prove that he has the right to represent the interests of a particular bank that is a creditor;
• you also need to study your own loan agreement to check if it includes a clause allowing the sale of debt to third parties;
• it is important to request from the collector a copy of the assignment agreement or other document on the basis of which this specialist acts;
• without the necessary documents, you can not agree to talk at all;
• the specialist himself must present his passport, and it is not allowed to replace it with any certificate that can be represented by an ordinary fake;
• it is necessary to check whether a particular person really works in a particular one;
• it is not allowed to have any inconsistencies or strange data in the received documents, since in this case it is advisable to refuse further communication.

If the specialist refuses to show any documents, then you just need to refuse to talk with him.

How to talk to collectors

In order to prevent violation of your rights, as well as to obtain maximum information from the collector, it is important to understand well how it is expedient to communicate with him.

It is optimal for this to take into account the rules:

• you can refuse to let collectors into the apartment;
• it is not advisable to conduct a dialogue indoors, so you need to go to the site yourself;
• it is best to make an appointment at the office of the collection agency;
• it is taken into account that collectors want to get into housing in order to assess the solvency of the debtor;
• it is desirable to record all conversations and actions of specialists with different devices in order to prevent possible or violent actions;
• need to immediately talk about the need for a trial;
• it is recommended to report that the debtor is well versed in the law, therefore, will not allow a violation of his rights;
• if various illegal actions on the part of collectors are indeed recorded, then complaints must be immediately filed with the Central Bank, Rospotrebnadzor or other supervisory organizations.

Complaints will be effective if there is evidence, and it is also optimal to file a claim for fictitious documentation from the collector, unannounced visits and rude treatment.

How to build a conversation

The debtor himself should receive maximum information from specialists during communication.

This information includes:

• Availability legal grounds demand money;
• it is necessary to determine in which agency the specialist works;
• his passport and identity card are being studied, but he may not be, which does not contradict the law;
• it is important to require documents of the company itself;
• the documentation regarding which the debt was sold or the agency agreement was drawn up is checked.

Can debt collectors sue for debt collection? Look at .

All these questions will help determine whether the person who visited the debtor is a fraudster.

The nuances of telephone communication

Most often, collectors use frequent and long telephone conversations to influence debtors.

Important! Often they call from hidden numbers and begin to threaten and intimidate citizens, and such measures of influence are considered effective for the faint of heart.

Most often, communication takes place over the phone, and they often call even at illegal times. It is necessary to understand the rules of communication on the telephone well in order to prevent such a moral impact.

The main conditions include:

• all conversations must be recorded, and the date and time of communication is additionally recorded;
• first you need to warn the specialist about the record keeping;
• it is necessary to force the caller to introduce himself, and also to name the agency that he represents;
• you should find out which particular creditor he represents initially;
• it is not desirable to provide any information about the financial situation of the debtor, as well as who is in his family;
• it is recommended to communicate carefully and with restraint;
• questions should be answered in short sentences;
• no need to make excuses, promise to return the money or cry;
• if the caller begins to threaten, then you just need to hang up;
• it is recommended to agree to the proceedings in court;
• it is not advisable to give the specialist the opportunity to talk a lot, so you need to constantly interrupt him and ask your questions, and the tone should be similar to the tone of the collector himself.

What mistakes can be made in a conversation with collectors? More in the video:

Important! If the debtor aims to return the funds, then he may ask about the possibility of restructuring or returning the money in installments.

How to communicate in person

If collectors come home, then you have to communicate with them personally.

For this, the following rules are taken into account:

• if a meeting was not scheduled in advance, then you can not open it to a specialist;
• he must be required to have a passport, a power of attorney to represent rights and an agreement on the basis of which the bank sold the debt;
• if not shown required documents, then you can stop communicating and close the door.

The bank sold the debt to collectors, what should the borrower do? Read.

Often, collectors try to break into the house using physical force, and under such conditions, you must immediately call the police.

What to do if there are no financial opportunities to pay off the debt

If the debtor cannot cope with his debts, then he may try to avoid meeting and communicating with collectors in order to wait for proceedings in court.

The court may ask for:

• reduce the amount of debt;
• create a more acceptable payment schedule;
• receive .

Important! If you create an opinion about yourself as a difficult debtor, then you can prevent regular visits and calls from collectors, so you need to regularly write statements to the police, talk with references to legislation, or defend your interests in other ways.

What to do if you do not apply to the debtor

If claims are unreasonably made without a debt, then you should immediately contact the police.

The reason for this behavior of collectors may be a database error, fake documents, fraud or other situations.

How to deal with threats

Initially, they must be fixed on audio or video recording. By law, collectors cannot use such methods of influence. With the obtained evidence, you can contact law enforcement agencies.

What to do if illegal activities are detected

You can file complaints not only with the police, but also with the prosecutor's office, Rospotrebnadzor or even Roskomnadzor.

In the presence of significant evidence of violations, it is completely possible to file a lawsuit in court, and it is possible to demand not only the termination of the impact, but also compensation for non-pecuniary damage.

How the problem is solved

In a peaceful way, it can be solved only upon return borrowed money creditors. A reasonable timetable can be negotiated. But this option is available financial opportunities at the borrower.

How lawyers talk to debt collectors

Professional lawyers may refer to different laws and judicial practice, so it is much easier for them to build a conversation. Communication is always calm, and facts are reasoned.

Lawyers do not provide collectors with information about debtors and their family members.

Conclusion

Thus, debtors are often forced to deal with debt collectors. It is important to understand well how to communicate with them correctly in order to defend your rights and prevent various threats or even physical impact.

If there are significant violations on the part of these specialists, then you can file a complaint with various state organizations.

Hello everyone!
And how to talk to collectors (namely, with collectors, not bank employees) in case the bank has sold your debt to them. It is difficult to call it an article, just a selection of recommendations.
Z.Y. THE MOST IMPORTANT RECOMMENDATION IS TO PAY LOANS ON TIME AND DO NOT TRY TO DECEIVE THE BANK
Let's get started:
1) What are collectors required to do before they (in their opinion) "grab your balls with an iron grip"? The correct answer to this question is to notify you of the assignment in writing. Moreover, they must have your signature that you received this contract. Did you find a letter in your mailbox from the Horns and Hooves company that you don't know? I threw out the letter, I thought that again some services would begin to be imposed. To all their conclusions that they say you signed the contract, where it is written in black and white that the bank has the right to sell your debt in case of violation of the terms of the contract, we remind them that, yes, such a clause is POSSIBLE in the contract, but about your office "Horns and Hooves" there is not a word. How can you understand that really authorized persons are calling, and not extortionists and scammers who stole the database from the bank?
2) Each conversation with collectors (hereinafter referred to as stakes) is recorded. If the phone on the android has no problems at all - download the "call recording" program, which automatically records all conversations.
Why is this needed? //youtu.be/T-cFQgvi_Sc that's what you need for such cases. And also to record insults, threats and other illegal actions against you.
Z.Y. it is worth recalling that only the court can award you the status of "debtor". Before the trial, you are a problem borrower. Remind the call operator of this.
3) To start a constructive dialogue with you, ask the stake operator to introduce himself in full - full name, position, name of the organization. As a rule, 20-30% of calls end there. cola just be afraid to name themselves. You can experiment at this point. For example, I heard how the TIN, PSRN of the organization, the name of the head, his exact location in this moment and much more. They didn’t give their full name and position - they go through the forest.
we operate st.15 part 5 federal law"O consumer credit(loan)"
4) In no case do we give them any of our data yet:
a) documents confirming their right to demand a debt from you;
b) Name and position of stake operator
and in this case, you can send them by forest, because. for example, they do not agree with the right to assign a debt. Something does not suit them - they have only one road - to court.
because your debt has been sold to stakes, then most likely you already have hefty fines and penalties there. The court will write them off, if not all, then half for sure.
5) It often happens that collectors start calling relatives and friends, call work and tell everyone and tell about your debts. Or, during a conversation, they begin to threaten you that they will come, bypass all the neighbors, and so on. They still operate with the same clause under which your signature is, where you do not mind disclosing your data to third parties.
Remind them that in addition to their contract, there are:
a) Art. 15 h.4 of the same Federal Law "On consumer credit (loan)" - jur. actions that harm the borrower (yes, the article is far-fetched, but it fits)
b) Article 137 of the Criminal Code of the Russian Federation - privacy
c) and my favorite article 24 of the Constitution of our great Russian Federation- collection, storage, use and dissemination of information about the private life of a person.
Remind them that by their actions they violate your constitutional rights (c), and they can also visit places not so remote for a long excursion up to 5 years (b)
6) Colas came to your house - documents to the studio. You can record the conversation on camera. Don't have any documents? Don't have a contract emailed to you? We call the police - some extortionists have come, they demand some money from me. Start threatening or something like that?
article 330 of the Criminal Code of the Russian Federation - arbitrariness
Article 286 of the Criminal Code of the Russian Federation - abuse of power
there is no extortion clause yet. We carry a record and a statement to the prosecutor's office.
Z.Y. most likely, no one will come to you during all the conversations, calls, sms and threats.
7) They call at the wrong time.
Here, at least Article 20.1 of the Code of Administrative Offenses is petty hooliganism
The scheduled time for our favorite stakes is from 7:00 to 23:00
8) If you are threatened with an article for fraud.
REMEMBER - IF THERE IS AT LEAST 1 PAYMENT, then the article DOES NOT APPLY to you
9) They threaten the arrival of the police, the prosecutor's office, and sometimes even calls from the prosecutor's office asking why you don't pay.
Threatening arrival - generally ridiculous. No police, no prosecutor's office has any claims against you before the trial. Yes, and after the trial, only questions arise for you bailiffs, and only then, if you are hiding, at law enforcement agencies.
A call from the prosecutor's office is a rare phenomenon, but, as a rule, frightening. They will not call you from the prosecutor's office - either a summons or an appearance in person to serve the same summons. The call is most likely a scam. Ask where to drive to talk in person. Usually deflated.
10) Rare, but it happens - cola starts to charge you their interest - funny. Collectors are not credit organization They cannot charge you any interest. Their road is to court
11) Somehow it happened that one of essential rules I left at the very end - do not put any signatures! We arrived in person and asked to sign the contract - we send it off, we say that we do not agree with the conditions.
Where to complain about debt collectors:
a) Rospotrebnadzor
b) Prosecutor's office
c) Police
For starters, each of these organizations has a website where you can send a letter. In the letter, in the correct chronological order, we describe the situation. We pay special attention to places where collectors violate laws. Leaving as much as possible contact information(both his own and collectors).
That's probably all!