To get started is to make sure whether it is a man who introduced himself as a collector, the right to have to deal with you the work to return the debt.To do this, you must offer him to produce documents that confirm his credentials (license, agreement with the bank on the transfer of powers).If the conversation is happening on the phone, you can invite him to send a copy of such documents by mail.
also need to ask to see documents justifying the amount of the claim (debt, interest, penalties).If you still have doubts, you can call the bank and ask the loan officer th
e information on his case (if it is left in the bank or transferred to collection agency).
Even if the bank received confirmation of the transfer of authority to collectors, it must be remembered that none of the collector has no right to demand cash.Calculations are made only by means of money transfer to the bank account.
If required to return the amount is too high, you should insist on reducing it.And certainly in court.That is, to make it clear that, without official papers no payment will be.
If calls threats have not stopped, they should be written, and "collector" to clarify that the article for extortion has not been canceled.Also it is necessary to prepare in advance a complaint with the police.
When meetings take place in person, the threat must be written on tape.If collectors are trying to get into the apartment (open or knock the door), you must immediately call the police.No employee of the bank or collection agency is not entitled without the permission of the owner to enter the unit or remove the property.
Of course, the main problem - the debt on the loan - it's still necessary.It is a personal appeal to the bank and find a civilized way out of the situation.
Tip 2: How to protect yourself from threats
Once in California, showed visitors the zoo two animals that can, according to the rating plate on the cell to destroy all of humanity and the planet Earth ... In the cage were two students andIt was kind of homo sapiens.Without exaggeration, the power of human aggression can be incredible.How to protect yourself from threats own kind?
Alcohol and drugs relax the restrictions that constrain aggressive actions.Therefore, most of the crimes committed under the influence of alcohol and drugs.In order not to expose their lives threats e, it is important to avoid the "drunk" places, and do not drink with strangers.
Just as a dog will bite if stepped on her tail, and the man is capable of aggression if it hurt.Therefore, to protect themselves from threats , it is important to try to behave respectfully, even in difficult situations.We are not talking about the servility.We need to stick with dignity, but show respect for the people around.
There are incentives that whee aggression that causes pain, discomfort or displeasure.For example, such stimuli can be a high temperature, kinds of unpleasant bad smell and the like.Therefore, to protect themselves from threats , you should try to avoid those places and conditions that entail massive aggression.For example, on a hot day it is possible to cancel the trip on public transport during rush hour.Similarly, it is better not to drive a car in traffic jams, if you have the opportunity to choose another mode of transport.Long "pushing" in traffic is often the reason that tired drivers are aggressive rush at each other with knives, sticks, tools, and beat each other Machine offenders.
Do not linger and lead difficult negotiations, disassemble conflict situations where there are attributes of aggression - knives, guns, heavy objects.The presence of nearby objects can enhance aggressive behavior.For example, in states where guns are allowed, murders three times more likely to occur in those houses where weapons were stored.And in 80% of cases, these weapons are themselves members of the household against their relatives or friends.
Aggression is very easy to learn.In this regard, extremely dangerous television violence.Translation movie violence, fighting sports, etc.provokes violence and aggression.To aggression was not directed at you, it is not necessary to begin solving complex problems during or after viewing television viewing to aggression.And best of all in general try to put the "ban" on these views at home.