A severe economic situation and unforeseen expenses, forcing many Russians to take loans. An organization engaged in the provision of a loan can act as a bank and the specialized financial institutions created for this. But the money taken into debt must be given in time. A collector company comes to help lenders. From a variety of firms dealing with such activities, "Credit Effrase Finance" can be allocated. Whether they need to pay and that this organization represents, you can read below.
Collectors: Who are these?
In the majority of the population of our country, collectors are associated with gangsters that walk with wooden bits, and "knock out" cash duty at the borrower. Partially it may be true if it comes to "black" organizations:
- Damage to property. Spots of paint on the auto debtor, set fire to the entrance door and beating the windows of the apartment.
- Psychological impact. Permanent phone calls with threats not only borrower, but also to his relatives and even colleagues.
- Physical contact. Beating or rape of the debtor.
The above actions are prohibited and criminally punishable. Having evidence of such an impact on himself, a citizen, whatever he will owe, should know - the law on his side, and offendes will be punishable.
Organizations working legally, so-called "white" collectors act differently. Having in his state lawyers, economists and psychologists, they only encourage the borrower to return their duty to the aesthetic methods.
CreditExpress: who are these
The company "CREDITEXPRESS" is part of the "CreditExpress International" - one of the largest corporations of debt issues in Eastern Europe. The activities of the CreditExpress can be characterized by the following administrative recovers:
- Early Stage (Crowd from 1 to 30 days).The company is trying to solve the problem of lovely. A borrower is offered several options for repayment of debt, everything is solved by a peaceful way and the parties are diverted while in good relations.
- Long-standing debts (drawing from 1 to 6 months).The motivation of the debtor is through telephone calls and sending notifications by mail.
- Lady debts.If the lender considers the "hopeless" blades, a loan will be happy to buy such debts with joy. The cost of the loan portfolio ranges from 15% to 50% of the total Sumy of Debt.
The company itself positions itself with the following theses:
- Experience. There are more than ten years in the European market of CreditExpress.
- Strategy.Working in more than 14 countries, the company is well oriented in the peculiarities of one or another region, and use the best strategy to return debt.
- Ethics. CreditExpress respects both its customers and debtors. Respect and high standards of ethics - the main priority of the company.
CREDEXPRESS FINANCE: Visit Notice
Citizens with a large period of delay receive a notice of a visit, in which KreditExpress threatens to appear in the borrower's home. Allegedly a certain "Department of Forced Recovery", examines the property of the ardition, which can go for sale with the subsequent repayment of the loan. Consider three points that dispel the officialness of this document:
- Nic Department of Forced Recovery not. This is just one of the methods of intimidating the client.
- Only bailiffs can come to the house of any citizen, and then after the relevant decision of the court.
- Only civil servants, but not collector firms can recover the debt (confiscation of property).
You can make an unequivocal conclusion: a notice of a visit from "CreditExpress Finance", nothing else like psychological attack in the debtor.
The collectors came home: what to do?
The appearance of collectors in front of your door, suggests that during telephone conversations you gave a "slack" and did not show that you are legally literate. But what happened, it happened. You have left to follow the following advice:
- Calm. Is the court decision not accepted? Then you have the right not only do not open the door, but also not to talk to them.
- Law. The absence of a law that regulates the actions of collectors allows you to call the police if the strangers begin to crack the door.
- Communication. If collectors behave politely, advise them to recover the amount they need through the court.
The most important advice is never Do not give collectors money in hand. No receipts about debt repayment will not have legal force. If the amount is small, and you wanted to pay debt, you should use the bank transfer.
Why should I solve all the monetary delay through the court?
Three reasons speakers that cannot be communicated with the collectors directly:
- Overpayment. In addition to the real amount, collectors will boast all sorts of fines. The court will pay only a loan, and this, you see, financially more profitable.
- Warranty. Paid collectors? And what is the probability that another firm with similar complaints will appear in a month?
- Art. 196 of the Civil Code of the Russian Federation. When communicating with collectors, this article is the main argument. If the representatives of "CreditExpress Finance" found out that you know about such a thing as the initial period of statute of debt (is 3 years since the last payment) , they will instantly switch to other customers, and they will be left alone.
Financial problems may arise from each of us. Taking a loan, you need to give it to the borrower into the shortest deadlines. Otherwise, its obligations will need to repay not to the bank, but a collector. One of the largest and most oldest players in this sector is a CRPEExpress Finance. Do you need to pay them? Definite not!
It is necessary to require documents from the collector who would examine the fact of transferring their debt to the bank of this particular organization, and, if everything is legally, advise them will be in court. Thus, you get rid of the "percent cheating" of the collector, and return only what they really owed the lender.
Video: Conversation with a collector Kredvertexpress
In this video, the constructive dialogue of the borrower with the representative of the organization "Credipexpress Finance", how to answer not to pay them: