So, today we will find out what to do if collectors threaten you. What to do in this situation? In what cases can your debts be transferred to similar organizations? Is it possible to somehow cope with them legally and without fear? All this is extremely important for the population of Russia. After all, problems with collection companies often come up. Someone succeeds in quickly resolving them, and some have long endured the so-called terror from such organizations. What if you are threatened? How legal is this? And is it possible to somehow find a council for collectors?
Banks and debts
The first step is to find out how, in general, the transfer of debts to collection companies is legal. Some are inclined to believe that all their activities in themselves violate the framework of the legislation of the Russian Federation. But in reality this is not so at all. Bank threatens collectors? What to do in this case? For starters, don't worry. And view your contract with a financial institution. There should be spelled out items on the transfer / sale of debt to third parties. If nothing of the kind is mentioned, don’t worry. All threats are illegal.
But when in the loan agreement there are clauses on the sale of debt to third parties, collection companies can get the go-ahead for knocking money out of you. Under such circumstances, it is recommended that you simply not delay the repayment of the loan. Pay off your debts as soon as possible. When you have good reasons for which you, in general, cannot pay, you can agree with the bank about a delay. And do not think about what to do if collectors call and threaten.
Collection games
But such cases are extremely rare. And often this type of organization communicates with debtors. They literally knock debts out of citizens. But what are collection companies? These are third-party organizations (third parties in your loan agreement) that buy the debts of citizens from banks, and then require their payments from the population. Moreover, the funds are returned to the financial institution. And collectors are left with a certain percentage. We can say that collection companies are a certain type of business.
They act by hook or by crook. To some extent, the activities of such firms are considered illegal. And therefore, often citizens are interested in what to do if collectors are threatened with reprisals or otherwise. Should they be afraid? And is it possible to somehow protect yourself with the help of the law?
Legislation
In fact, as already mentioned, collection companies often do not operate within the law. And therefore, the population should be aware of their own means of protection. After all, often the consequence of knocking out debts becomes damage to property, as well as real threats to citizens, which often lead to a deterioration in their health. If collectors threaten, what to do? Articles of the law "On consumer credit" indicate the rules of conduct of collection companies. If they behave within the law, then you have no real protection. It remains only to pay debts and not delay it.
But often the rules of the law are violated. How should collectors act so that you cannot do anything? First you need to provide complete information about your company, as well as who communicates with the debtor. On one’s own initiative, it’s impossible to come to the house who owes money to the bank.On weekdays, the rules are valid from 10 pm to 8 am, on weekends - from 8 pm to 9 am. Abuse of one’s position is also not allowed. And, of course, no one has the right to threaten you, as well as damage property. Just all these norms are usually violated and not taken into account at all. Are collectors threatening? What should a citizen do? It is worth protecting yourself and complaining. Here is a small action algorithm to help you.
Preservation
There can be many options for the development of events. And the threats against you from the collectors are also diverse. Now you are able to get another "slap in the face" in a different form. But it is she who will help you choose the right tactics of behavior if you do not know what to do. Threaten collectors via SMS or by sending letters to your home or email address?
You could say they dig their own grave. Indeed, according to modern law, to threaten debt collection no one has the right. Moreover, spoiling property is also prohibited. So, first of all, save all letters and messages from collection companies. This will be evidence of the illegality of the action. Do not delete threat messages. The more there are, the better for you. In the case of further proceedings, it is possible to operate on the evidence obtained.
Posts
But not everyone is so reckless about their actions. And often you will not receive any letters and notifications with threats. Instead, a telephone is usually used. That is, they only talk to you. It is extremely difficult to provide oral evidence in proceedings.
What to do if collectors are threatened by telephone? Try to capture and record all your conversations. They are also able to help if you decide to punish your persecutors. In addition, experts recommend contacting your service provider and getting notes from him if you have not done them yourself. Do not forget to request a statement of calls. Let the exact amount of terrorism addressed to you become known. Now it’s clear what to do if collectors on the phone threaten. But this is not all situations and methods of defense. Sometimes you have to act differently.
Fixation
In some cases, all threats of collection companies turn into real actions. And just at such moments, your defense should reach its limit. Why? Because such organizations often break the law along and across. They can cripple you, ruin your property. Collectors threaten - what to do? If your property has already been damaged by representatives of these organizations, it is worth fixing it. Videos, witnesses - all this will help your defense. Importantly, do not be afraid. You act in accordance with the laws of the Russian Federation. No one has the right to encroach on your property, as well as spoil it.
What to do if collection companies in any way harmed your health? In this case, an independent examination will be required. And get a medical report, remove the beatings. Hurry up! This is also a good reason to assert their rights. There should be no exceptions. If there are disinterested witnesses, you can enlist their support. And then go to protect their own rights.
Environment
By the way, if you are thinking about what to do, if the collectors threaten the relatives of the debtor or the direct non-payer of the loan, then the witnesses will not interfere in solving this problem. That is, you need to get support from the outside. It is unlikely that no one will be able to confirm that you are being harassed by representatives of collection companies. Among friends there is at least one person who knows about their illegal actions. Disinterested witnesses are an additional guarantee of your rights. Usually they are the victim’s neighbors, colleagues or just passers-by who saw how they spoil the property of a citizen. Remember: the more evidence and witnesses you have, the better.The chances of winning a deal increase several times.
Going to court
Now you can apply with your complaints about the actions of collection organizations in one or another instance. In fact, there are two options for the development of events. The first is more or less peaceful. You must warn the bank that transferred the debt to the collectors that you will complain if they do not stop terrorizing you. The same needs to be reported to those who knock out money through threats. If everything remains exactly the same as it was, proceed to the second option.
It's about going to court. When collectors threaten, what to do in such a situation? Many citizens are interested in this. And strangely enough, they often turn to district courts to protect their own rights. Usually law enforcement agencies take the side of the victims. After all, to prove the illegality of the actions of such companies is now extremely easy. Especially if you worry about this in advance.
You will be required to write a statement to the court describing the reason for the complaint. Also provide evidence of the misconduct that you have. If there are witnesses, bring them with you. But do not forget to indicate them in the lawsuit. Attach a copy of the original passport (yours). And then wait for the court hearing. A hearing will be held during which it will be revealed how much you are to blame, and whether the collectors really violated the law. In some cases, they still owe to the victims (compensate moral and material harm). Keep this in mind.
Anti-collector
And here is a modern approach to solving our today's problem. What if collectors threaten you? Or have they already moved on to some decisive action? In this case, you can turn to the so-called anti-collection companies. Similar organizations began to appear in different cities of Russia not so long ago, but they are already in great demand.
What kind of companies are they? They help to find a council for collectors, communicate with them, advise the population on tactics of behavior in certain circumstances. Also, if necessary, help to go to court. Or they file a lawsuit against collectors on their own. Usually, with the participation of such organizations, cases are won in two counts. It turns out that anti-collectors are your additional protection. But you don’t need to forget about collecting your own evidence. Please note that services are not free. You will have to pay a certain amount for the help of anti-collectors.
To pay or not?
Now it’s clear how to protect yourself from collection companies. As you can see, it’s enough to simply collect evidence of a violation of the legislation of the Russian Federation, and then go to court or ask for help from anti-collectors. Some people think: maybe it’s just worth paying the bills? In practice, this action does not bring any results. Most likely, even after paying off the debt and the loan as a whole, the threats will not stop. Such cases are not uncommon. If this happened to you, only the court can solve the problem.
