Russia is an amazing country in which many mechanisms and systems begin to act perversely. The same thing happened with the system of bank consumer lending. Most of the country goes to debtors, constantly under pressure from bailiffs, bank security officers or collectors. There are scammers who illegally gain access to the database of debtors and force a person to give money in full.
Instruction manual
1
To begin with, it is worth making sure whether a person who has presented himself as a collector has the right to work with you on repaying a debt. To do this, you must invite him to submit documents that confirm his authority (certificate, agreement with the bank on the transfer of authority). If the conversation is over the phone, you can invite him to send copies of such documents by mail.
2
You also need to ask to show documents substantiating the amount of the claim (debt, interest, fines). If in doubt, you can call the bank and request information from the loan officer about your case (whether it was left at the bank or transferred to the collection agency).
3
Even if confirmation of the transfer of authority to collectors has been received from the bank, it should be remembered that not a single collector has the right to demand cash. Settlements are made only by transferring funds to the bank account.
4
If the amount required to return is overstated, you should insist on reducing it. And always in court. That is, to make it clear that without official papers there will be no payment.
5
If threatening calls have not stopped, you should record them, and explain to the "collector" that no one has canceled the article for extortion. It is also worth preparing a complaint to law enforcement in advance.
6
If the meetings take place in person, threats must be recorded on the recorder. If the collectors are trying to get into the apartment (open or knock the door), you must immediately call the police. No employee of a bank or collection agency is entitled without the permission of the owner to enter the apartment or seize property.
7
Naturally, the main problem - loan debt - is still necessary to solve. You should personally contact the bank and find a civilized way out of this situation.
