To whom do they sell debts in a home credit bank, and what to do. What to do if debt collectors took Home Credit? Rules for communication in collectors

We continue to parse and fear the credit letters of happiness that collectors and banks send us. And this time, let's tremble with you from the notice of the beginning of the compulsory collection, which is sent by Home Credit Bank, aka HCF, aka Khomyak. Well, are you ready to be afraid? Go.

I want to note right away that the letter is impolite and simply written with the name of the borrower and “no hello or shit” they start talking about gross violations of obligations for the timely transfer of money. HKF-Bank says that it has already prepared documents to the court for enforcement. Damn, I'm already scared, and you? Moreover, bankers say that the amount is final and full repayment of the loan is required.

Well, then they somehow abruptly switch to the fact that when the documents get to the court, the borrower will pay not only the debt under the loan agreement, but also legal costs - the state fee. And besides, a 7% enforcement fee, which is paid to bailiffs, will be added to the amount. Yes, this is true, but let's calculate how expensive it is.

• The amount required by the bank is 8774.73 rubles. A fortune!
• State duty - 400 rubles. Total, together with the state duty, the amount of debt on the loan - 9174.73 rubles
• Executive fee 7% - 642.23 rubles. Total all together - 9816.96 rubles. The difference is 1042.23 rubles.

You will pay a whole thousand rubles more after the trial, when the bailiff has the case! Moreover, you can pay the bailiff voluntarily, of course, if you use all the legal tools that the School of Revitalization has and secure your property and source of income. For example, you pay a bailiff 500 rubles a month, and maybe even 300. Come on, 300? You will need 33 months to pay off the debt. And for this you will pay 1042.23 rubles. This is 11.8% of the amount owed for 33 months, which means 4.29% per annum. Not bad? In my opinion, very loyal and not scary, if you look.

1. Well, let's be afraid. They say that movable and immovable property will be arrested after the trial. Account blocking. They are right, of course, but those who are in the School of Revitalization already know how to secure both property and money in their accounts.
2. Then they threaten that there will be a ban on all credit cards. Oh God! This is something new. Sheer nonsense - no one will touch your credit cards in other banks. Only debits can be seized and then we know how to deal with that.
3. Well, then the classics - scarecrows with a criminal - Art. 159.1, 165, 177 of the Criminal Code of the Russian Federation - about why this is not applicable and what to do if the bank nevertheless turned to the police - several instructions have long been in the School of Revival at the link.
4. Well, in the end they say that they can sell your debt on a loan to third parties, for which they allegedly do not vouch. But we have already discussed why this is ridiculous and you should not be afraid of such threats that the bank will sell your debt to collectors - if you forgot, look at the link.
5. Well, in the end it doesn’t even matter that there is no signature, but simply Home Credit Bank says that you need to URGENTLY call Marina Viktorovna and pay the debt so that all this terrible can be avoided.

I hope that you are no longer afraid and you understand that you need to secure your property and source of income and calmly wait for the court that they so carefully scare you and you can pay the bailiff voluntarily as you can. I hope the information was useful for you - if so, then like and share with your friends so that they are also not afraid of courts with banks and their loan debts. And write in the comments if you had a trial with Home Credit Bank and how you feel after it.

Early repayment of a loan at Home Credit Bank or its refinancing cannot be carried out without knowing the exact amount of the debt. Consider options for how a borrower can quickly and reliably find out debts on loans, the amount of a monthly payment and accrued interest in Home Credit Bank.

There are three ways to find out how much you owe at Home Credit Bank by phone:

• Contact center. The free call number 8 800 700 80 06 is open 24/7. You communicate with the answering machine for several minutes, then the call is forwarded to the call center operator. Before calling, prepare your passport and write down the number of the loan agreement. This will be needed to identify the client by a bank employee. If you have a Home Credit bank credit card, you can find out the debt by naming its number and code word, most often the mother's maiden name.
• Telephone banking. In order to independently find out the amount of debt, the account balance, the status of the agreement and the amount of the minimum monthly payment, you must:

1. Call 8 800 700 800 6;
2. Select the number "0" using the voice menu;
3. Enter the number of the contract or credit card;
4. Enter the secret TPIN password created when contacting the contact center.

• SMS informing. Regular sending to mobile SMS messages about the movement of funds on a credit account or on a card. The cost of the service is 50 rubles per month.

• Credit office. An online service for tracking loan payments without a separate connection. It is enough to enter the date of birth of the borrower and his mobile number on the bank's website.
• Internet banking. You can activate the service free of charge at any branch or by contacting customer support. In addition to viewing credit transactions, customers can pay for services and goods through the Internet bank, open deposits, make private transfers, etc.
• Mobile banking. To install it, you need to download a free mobile application. It allows Home Credit Bank customers to know and control payments using a smartphone or tablet.

A proven and reliable way to make sure that you have fully repaid your debt at Home Credit Bank is a personal visit. A bank specialist will not only advise you on the current loan, but also tell you about new programs and promotions. He will also issue a bank statement for the account or card.

Home Credit Bank, like any structure, engages specialized agencies to collect debts. At Home Credit, collectors can be different, while the methods of their interaction with clients also differ.

The procedure for transferring debts to collectors

The stage when Home Credit sold the debt to collectors is considered the last. Before this, a number of events take place and the collection service of the bank itself comes into operation. She is looking for ways to interact with debtors and exerts a moral influence in order to arouse responsibility.

Reasons for loan default

If the client is unable to make payments for a good reason, the bank is ready to revise the repayment schedule, provide a deferment or launch a restructuring program. These may be considered:

• Loss of permanent income (layoff);
• Changes in the financial situation of the family due to unforeseen circumstances;
• Being on treatment or temporary loss of working capacity;
• Birth of a child.

Faced with a problem, it is recommended not to wait for any measures, but to go to the department on your own and explain the situation. It is better to have documentary evidence to attach to the application. You need to get it accepted. If the institution does not make concessions and does not offer solutions, the client's timely appeal will speak of his respectable position. This will come in handy, including in court, if the case comes.

Transfer of debt to collectors

Home Credit transfers debts to debt collectors, starting with the most problematic ones. These include accounts that are not repaid by the borrower for several years, and he himself deviates from conversations, possibly by changing contact details and even place of residence. The sale itself takes place in an open manner with the help of a tender.

Organizations that have redeemed a certain amount of obligations have the right to accrue their own increase on the amount of the debt of the borrower, which covers their expenses related to the conduct of activities.

In order not to deal with such institutions and not overpay later due to their markups, it is still worth interacting with the bank itself and trying to resolve all issues with it.

Features of interaction with collectors

Collectors of Home Credit Bank, reviews of which are very diverse, begin their contact by telephone.

Rules for communication in collectors

The debtor should remember the basic rules:

• The bank must notify the borrower of the transfer procedure. If this did not happen before the "appearance" of the collector, it is worth visiting the branch and making sure that the actions of a particular company in relation to you are legal.
• The collector must have a contract with the bank on the transfer of debt indicating the number of the contract, the name and the amount of delay.
• The collector has no right to threaten and take illegal actions against the debtor. Faced with this, you should file a complaint with the police, preferably with evidence (for example, by recording a telephone conversation).
• It is not necessary to transfer funds to the account indicated in the collector's letter until you are convinced of the legality of their actions.

Debt collection principles

Depending on which collectors Home Credit works with, the principles of collection can differ significantly. In particular, there is a pleasant experience of interaction, when collectors offered a convenient scheme and writing off part of the fines. For a respectable borrower, this option will be acceptable. There are cases where contacts with agencies have occurred almost against the law, including threats and intrusive phone calls.

Going to court

Sometimes, if the client's debt has outgrown all normal limits due to constantly accrued fines and penalties, it was easier for the borrower to wait for going to court. Such a solution often allows a significant reduction in the overall value. The amount of the loan, including interest, will always remain mandatory, while the court can cancel the rest of the penalties if the borrower proves his integrity.

conclusions

Considering how collectors work from Home Credit, and the reviews confirm this, basically it can be difficult to wait for a trial. Usually, collectors resort to such a measure after a long exposure, having no other options to solve the problem.

The borrower has the option to go to court himself to get rid of the companies' obtrusiveness. At the same time, it is worth enlisting an experienced lawyer in such cases, who will help to minimize the amount of debt as much as possible. This will allow you to absolve yourself of legal obligations.

In recent years, the number of litigation between borrowers and banks has increased significantly. According to the statistics of the credit history bureau of Home Credit Bank, bank debtors are 20% more likely to go to court than debtors of other banks. Last year, the number of such citizens has already exceeded 200 thousand.

The deterioration in the quality of borrowers has long been known, but now the situation is even more aggravated due to economic instability in the country. According to Irina Lobanova, head of the NAFI research department, in 2014-2015 the situation became simply catastrophic. 43% of debtors are sure that the bank will grant them a deferral of loan repayment. If in 2012 defaults on loans began on average after 8 months, then over the past year this period has been reduced to 4.5 months, and 2014 broke all records for the growth of overdue debt, as statistics show. Last year, Home Credit Bank sued 4 billion of its funds through the court.

Home Bank analyzed the situation and identified several typical mistakes of borrowers, which later lead to delays.

1. Many borrowers believe that it is more profitable to take another loan in order to pay off the debt on the first one. This only exacerbates their financial situation. In this situation, it is better to seek help from relatives and friends;
2. When applying for a loan, potential debtors do not think about whether they will be able to pay the required amount every month. It is necessary to carefully compare your financial capabilities and monthly loan payments;
3. Cancellation of insurance. Of course, you don’t want to think about the bad, but insurance can save the situation in case of loss of disability or reduction at work;
4. They don't answer calls from the bank. Such behavior can only worsen the position of the defaulter. In this case, it is better to pick up the phone and talk to a representative of the bank, explain what difficulties have arisen. Perhaps the bank will agree to make concessions and provide a deferment on the loan. By visiting the Home Credit website, you can apply for a deferment in writing or discuss the debt issue with a specialist by calling online;
5. Guarantee. Even if the person you are sponsoring is a relative or friend, the risk is still very high. In case of non-payment of the loan, the bank will be forced to demand repayment of the loan from the guarantor. And, even in the event of a delay in payments by the borrower, the credit history of the guarantor may be damaged, and the application for a loan for oneself may be rejected in the future.

Home Bank's work with debtors takes place in several stages. At the first stage, the debtor's case is dealt with by the early arrears department. If the delay in payments is from 30 to 120 days, debtors receive regular SMS with a polite reminder of the need to pay off the debt. The borrower is called by the employees of the call center, who are obliged to speak politely with customers.

The work of the call center is conditionally divided into 5 "skills" (stages). At the first “skill”, the call center employee politely reminds of the delay and waits for a while. If the client does not pay for another month, the case is transferred to the employee of the second "skill", who warns the debtor that his credit history may be permanently damaged. On the fifth “skill”, the conversation with the client takes place in a more aggressive form and the debtor is required to pay the loan amount in full. The rules of conversations for each "skill" are written in scripts, which each employee of the department is obliged to follow.

If the client still does not pay, the case is referred to the department for a later delay. Employees of this department pay visits to the place of residence of the debtors and to the place of work. They find out what kind of lifestyle their client leads, how solvent he is. In the event that the client does not live at the specified address, the department inspector must find out where he can be found. To do this, he has the right to make inquiries to the pension fund and other authorities.

At the third stage, the bank submits the case to the court and the bailiffs deal with the debtor, who find out whether the client has any property or real estate, which, in case of non-payment, will be arrested. Not very long ago, banks were allowed to sell particularly complex cases to collection agencies. And they, as you know, do not stand on ceremony with their customers at all, since they are directly interested in returning the required amount.

Bank customers need to remember that if there is a risk of non-payment of the loan, the best way out is to contact the bank employees personally and discuss the situation, or go to the Home Credit Bank website and ask for a deferment in writing.