Programs / 10.05.2020

We got home money what to do. What will happen if you do not repay the loan debt. Specific examples of collection. How Vivus returns money

Making out a microloan online in one of the companies, we choose the period within which we can definitely repay the debt. However, there are all sorts of situations in life and sometimes timely debt repayment can become a serious problem. What can the borrower hope for in this case?
What to expect from lenders and what actions can they take? An instructive article on the step-by-step debt collection of popular services for issuing online and offline loans. This article was written based on personal experience collection and information from the Internet. It is by no means an instruction for action and advice on non-payment of microloans.

The site administration considers that debts have to be paid... For in the end, the money will still be charged from you through the court or a collection agency. The nerves spent talking with collectors and constant abuse will ultimately affect your health. You spend more money on drugs than pay off the loan.

How an MFI collects debt Home money

As the borrowers of this microfinance organization know, personal managers come to the borrower's home on the appointed day for the next payment on a weekly basis. Also, many borrowers know that managers do not have good manners in relation to debtors, so you should not expect mercy from Home money.

Weekly visits turn into daily ones, and the phone rings incessantly. Threatening SMS is not sent, however, after a couple of months of unsuccessful debt collection, the same manager may come to visit, but not alone. Several brave sports-type guys, designed to intimidate the debtor, will quietly stand on the sidelines on their first visit. Next time they will be the ones to carry on the conversation. No, they will not beat you, but threats will pour in as if from a cornucopia.
See also: Deferral of loan repayment. How to get the?
Another favorite technique of the company is the mass mailing of impartial letters to all the mailboxes of your home. A standard sheet of paper with your data (full name), stories about what a terrible defaulter you are and, in general, a swindler.

After six months of unsuccessful collection, the main from the security service of the Home Money company will try to contact the borrower. Conversation in lowered tones, requests for debt repayment, several references to Article 159 of the Criminal Code of the Russian Federation “Fraud”. If you do not return the debt within a year, it is sold to collectors (if possible), and they do not go to court.

The solution is to either pay the loan, or change the phone number and read, which are trying to knock out the debt.

Collecting in Moneyman and e

Services for issuing online loans. First, they pester me with SMS at any time of the day, they constantly send letters to the e-mail box. Then the calls begin. They talk quite decently, there are no obvious threats to life, but they also mention criminal liability for fraud.

Ekapusta sends SMS with threats about the imminent departure of the security service at the borrower's place of residence in order to collect the debt from him. However, this is just idle chatter, no one comes.

Regarding the debt in Manimen, the security service of a bank calls, since the MFI is their subsidiary.

If you do not answer calls for 6-12 months, they stop calling and writing. Perhaps soon Manimen is taking a step negotiate with a debtor using a discount on accrued interest. Before the New Year, they can send a letter with a proposal to pay off the entire debt with a discount of 30-40-50%. A tempting offer. If you do not return it, they will leave you alone. They don't send letters to the post office, but they fill up the e-mail box. They don't go to court, they don't come home.

Collection in SMS Finance

Also lends to the population online. First, he floods with sms with requests to repay the debt, then move on to threats. For example, they write that a criminal case was opened against you under Art. 159 of the Criminal Code of the Russian Federation, or you are under the supervision of law enforcement agencies, suspected of fraud. In general, everyone is nonsense.

Like everyone else, they call from unknown numbers several times a day. After 2-4 months of unsuccessful collection, they lag behind, but only for a while. After about a year, you are remembered again, and everything starts anew.

A distinctive feature of this service is the content of sms from the security service. For example, one of our readers claims that he received the following message from SMSfinance:

"Hello, my name is Petrov Petr Petrovich, I bailiff in your area. Please pay off the debt or expect my visit on December 27, 2014 at the place of registration, at 19.00. We will arrest your property "

They don't sue, they don't sell the debt, they just write it off.

The way out is to change the phone number.

How does Vivus get money back?

Like everyone else, they pester them with calls. However, the only ones of all immediately offer to pay off the debt on individual terms. They have a specially designed repayment program problem debt, by the way, quite profitable. If you do not agree to her or simply do not pick up the phone, they begin to call contact numbers proxies that you left when filling out the questionnaire. They call about 1-2 times a week, after six months they drop this business and forget about you.

Accordingly, they do not submit to the court, they do not sell the debt.

The way out is to change your phone number and authorized person.

Useful on the topic

MFO Money for home - credit organisation with a wide network of personal managers who are also local debt collectors from the company's clients with open delays. How Do Home Money Collectors Work? Does the MFI sell borrowers' debts to real collection agencies, or does it handle delinquencies on its own? How to deal with annoying collectors and send them out of your life forever?

What collectors does MFI Home Money work with?

With this microfinance organization, everything is ambiguous. It is known for certain that she uses the services of the Kavkaz-Center spacecraft, but there is no specific information confirming this. Since all collectors collecting debt from borrowers are represented by the security service of the MFI Money for Home.

This organization also quite often uses the services of city bouncers who operate without any license, name, etc. These are just local "fixers" who lived their best times in the 90s. Hence such brutal methods of collecting delays, so many negative reviews from borrowers.

How Do Home Money Collectors Work?

Methods of collecting overdue debts in this organization cannot be called legal.

Not only do the Home Money collectors use all methods of remote psychological influence, they also use a rough physical strength, violate the Criminal Code of the Russian Federation.

A favorite feature of Money for a House collectors is drawing on the walls of the entrance, the borrower's doors, damage to property (car, door, etc.)

Collectors of Money for the House write with markers on the debtor's door impartial, discrediting the honor and dignity of the inscription, scratch the borrower's car and pierce the wheels, break door locks, put matches, toothpicks, etc.

If the debtor is not at home during the next visit, they go to neighbors and introduce themselves as district / investigators, tell that the borrower is suspected of theft large sum money and put on the criminal investigation, etc.

Throw leaflets around the entrance and in all mailboxes with a photograph of the borrower and information about his current debt.

In addition to personal contact, they constantly call all left numbers (work, contact persons, home). They threaten everyone indiscriminately, they say that they will take them out into the forest and bury them, kill them, beat them up, rape them, kill them, douse them with acid, etc.

Similar threats are poured into the address of minor children who live with the borrower, parents, spouses and all relatives.

Collectors Money for the House, like the credit organization itself, practically do not go to court to collect debt in a legal way... They prefer to limit themselves only to illegal methods of psychological and physical pressure on the debtor and everyone around him.

How to deal with Home Money Collectors?

Knowing how the Home Money collectors work, it becomes clear that any communication with these individuals must be reduced to zero and the trial must be awaited. Only in this case will the borrower be able to write off fines and forfeit.

While you are waiting for the trial, the first thing to do is to install the Antikollektor application on your phone, which will block all incoming calls from representatives of any CA. The app is not perfect as it only blocks known collector numbers. Although the database is constantly updated, the spacecraft are constantly registering more and more new numbers. However, this free app is simply indispensable. You can download it on the official website of the Market.

Having received the first threat, you should not wait for the Home Money Collectors to come to your home or work, you should immediately write a complaint-review directly. Microfinance representatives are often responsible for borrowers and trying to decide controversial situation by compromise. Especially in cases where complaints are posted on large reputable sites.

It is imperative to install a dummy or a real video camera in the entrance above the borrower's door. This will scare off claimants who want to commit illegal actions.

If this did not bring the expected results, you need to write a complaint on the website of the FSSP, the Ministry of Justice, the Central Bank of the Russian Federation and Rospotrebnadzor. Remember that since January 2017, the law on collectors 2017 (Federal Law No. 230) came into force, which clearly spells out all the powers of these structures, as well as what they are not allowed to do.

The more complaints about violations of the relevant law, the more chances that the "shop will be closed" in the very near future, having taken away the license from the MFO Money for a House itself, which allows such arbitrariness of collectors in relation to their borrowers.

In case of any violation, you need to complain about their actions to the prosecutor's office and the police.

If the Money for Home collectors come to your place of residence and ring the doorbell, bang on the door tirelessly, immediately call the police and say that they are extorting money from you, threatening your life and health. And remember that making contact with them is useless, it will only get worse.

Resonant Cases with Home Money Collectors

MFO Collectors Money for Homes often appears in the news outlets in different cities. So, for example, in April 2016 in Novokuznetsk, the collectors of this office "walled up" the borrower's front door with polyurethane foam, and the walls of the entrance were covered with impartial inscriptions. And this is far from the only case of such an attitude towards a client with an overdue payment. Now you know how Home Money collectors work.

Output

Before borrowing money, weigh the pros and cons, objectively calculate your capabilities and read reviews about the MFI you like on the Internet. Only after making sure that you can pay off the debt on time, apply. If there is no such confidence, it is better not to contact this MFI.

Legal advice:

1. The security service from the MFOs home money threatens to knock out the windows and disfigure the door because of the debt. What should I do?

1.2. The security service from the MFO, home money, threatens to knock out the windows and disfigure the door because of the debt. What should I do?
Hello, go and write a statement to the police, as well as a complaint to the prosecutor's office against this MFO.