(21 ratings, average: 3,38 out of 5)

Debts in banking organizations are a very unpleasant fact, because after some time the bank sells the debt to a kind of “bouncers”, who are officially called collectors.

Collectors can threaten relatives, friends, children and the debtor himself. Naturally, the legislation of the Russian Federation does not support such acts, so the talk of collectors that they will take the case to court will subsequently remain only talk.

What to do if debt collectors threaten you over the phone or in person?

During the sale of the borrower's debt to collectors, the borrower usually gets lost, which is what employees of the First Collection Bureau and other similar collection agencies (for example, "", "" or "") take advantage of. Collectors' threats, as a rule, do not go beyond words. However, there are also sad situations when, in order to intimidate the “money bouncers,” they resort to real measures - they illegally describe property, come to the debtor’s home, shout, swear, and so on. Additionally, you can study what kind of .

Legal illiteracy of citizens is very beneficial for debt collectors. That is why society should know the action plan in dealing with debt collectors:

1. Firstly, need to get rid of fears . If a debtor is afraid of collectors, they will immediately feel it. Therefore, you need to talk on the phone with debt collectors in a confident voice, showing that they will not be able to put psychological pressure on you.
2. Secondly, threatening calls from collectors fall under Article 163 of the Criminal Code - “extortion of money” . Many facts can be used to your advantage, because the bank also does not have the right not only to sell debt to collectors, but even to disclose information about your credit debt to third parties - friends and relatives. There is such a thing as “bank secrecy”. Use this knowledge in conversations with debt collectors, and they will no longer be too confident in your legal illiteracy.
3. Thirdly, Collectors often scare debtors that they fall under the article “fraud.” Don't believe it. Financial problems and economic crises can arise for everyone, which means that it will not be possible to prosecute a person for a loan debt from a bank. Since the debtor does not refuse to pay further, but now, due to some circumstances, simply cannot do this, the bank should have provided the borrower with restructuring or credit holidays, and not sold the debt to collectors.
4. Fourthly, unfortunately, a visiting group of collectors still comes to the debtor’s apartment. Remember - your home is your private property, and you have the right to keep uninvited guests away. . If persistent debt collectors try to illegally enter an apartment, feel free to call the police and write a statement to the prosecutor’s office and Rospotrebnadzor.

We also invite you to watch a video about a conversation with a collector of the First Collection Bureau:

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Before you seek help from a special company that is ready to provide assistance in debt collection, you need to carefully study the reviews. First Collection Bureau is one of the largest participants in the domestic market, working with problem debtors. Feedback on the company's work from both clients and employees is largely positive. The history of the corporation began in 2005. In just 10 years of operation, the company managed not only to earn the title of a reliable and trusted partner, but also to be awarded the title of leader in a very specific sector. OJSC “First Collection Bureau” is a “pioneer” of the collection business in many parts of the country.

Geography of the company

The collection company successfully operates in many parts of the country. The largest offices are located in Moscow and Khabarovsk, in St. Petersburg. Debt collection assistance is provided in many regions, from the Far East to Siberia. According to preliminary expert estimates, in just a decade of operation the company managed to gain about 34% of the market for debt collection services. Even large players in this segment cannot compete with the association, since the latter’s reputation and level of work are almost impeccable. You will not find negative reviews about the company. "First Collection Bureau" is a leader in the domestic market with an impeccable reputation.

Paths to Prosperity

The main activities of the joint-stock company are not only the collection of problem debts, but also the active development of the collection business in general, assistance in ensuring the full functioning of the domestic banking system, and the creation of conditions for the formation of civilized communication between debtors and creditors. Politics led to her being one of the first to join the professional Association of Collectors of Russia.

Issuing bonds is a confirmation of professionalism

Positive reviews indicate the prosperity and active development of the corporation. It is not only satisfied clients who rate First Collection Bureau an order of magnitude higher than its competitors. This year, on April 15, the collection of applications for bonds will begin, the total cost of which will be about 1.5 billion rubles. The application book will be opened on April 10 and will close on April 17. The first coupon rate is approximately 16.5-17.5% per annum. Estimated profitability - from 17.55% to 18.68% per annum. The rates from the second to the twelfth coupons will be equal to the rates of the first coupons.

Conditions for investing in PKB through bonds

The nominal price of one security will correspond to 1000 rubles with an open subscription. The circulation period will be three years with the possibility of early repayment at 14.28% per annum of the nominal value. The organizers of the placement will be CB Vostochny, JSCB Svyaz-Bank and BC Region. The underwriter is CB Vostochny. The issuance of securities indicates that investors are interested and show promise. The First Collection Bureau is replenishing its budget with bonds with the goal of actively purchasing problem debts from banks in the future and further developing its network.

Shareholders and management

PKB is a domestic company that is developing at an incredibly fast pace. She not only specializes in bad debts, but also takes on the responsibilities of managing overdue payments. The shares of OJSC First Collection Bureau, reviews of which are largely positive, are owned simultaneously by several large shareholders:

• 30% of the Cyprus company Evison Holdings Limited.
• 21.25% belongs to which at the same time acts as a shareholder of Orient Express Bank and is on its board of directors.
• 9.03% is the property of Alexander Taranov, who is also a member of the board of directors and, at the same time, a shareholder of Vostochny Express Bank.
• The Baring Vostok fund became the owner of 30% of the shares of the OJSC.

All shareholders are personally interested in the prosperity and development of the company, being participants in the Russian financial market, they make a lot of effort and contribute to the development of society.

Debt portfolio is one of the largest in Russia

The successful and active development of the company is evidenced not only by positive reviews. The First Collection Bureau constantly fuels the media with unexpected statements. This applies not only to the issue of shares, which is very uncharacteristic for this segment of activity. Most recently, information was received that the company received bad debts from Sakhalin-West Bank from the Deposit Insurance Agency. Cooperation with a government agency indicates that the company not only operates within the law, but also enjoys great trust. The demand for the company's services is justified by statistics. Thus, in 2010, the volume of overdue debts in Russia amounted to 271 billion rubles compared to 115.9 billion rubles in 2008. Indicator in 2013-2014 has at least doubled due to the availability of credit. OJSC First Collection Bureau has certain benefits against the backdrop of the situation in the country. In addition, in 2010, the size of the organization’s loan portfolio corresponded to 30 billion rubles, which was the largest on the market. As a result, the company’s income amounted to 491.5 million rubles, of which 118.4 million were

Development potential: transfer of bad debts by banks

The First Collection Bureau (who has sued it knows how accurately and professionally the association’s specialists act) reports that in 2016 banks will continue to independently resolve problems related to early debts, which account for about 85% of total number of problem loans. The share of collections in the traditional area of ​​long overdue payments is expected to increase. In terms of agency, the time period will be reduced from 180 to 120 days, as well as for assignment from 640 days to 240. The volume of debts that the First Collection Bureau will receive in the future, reviews of which from employees are positive, will increase, but only slightly. Over the next three years, loan portfolio growth will range from 0.3% to 1.5% per year. According to preliminary estimates, the loan portfolio in 2016 will be equal to 323 billion rubles.

Buying debts - a leap in development

First Collection Bureau, whose reviews have remained positive for many years, plans to actively expand its portfolio this year and next by purchasing problem debts. The expected growth percentage ranges from 14% to 22% annually. In 2016, the amount of debt purchased from financial institutions may reach 165 billion rubles. The share of debts paid through the services of collectors will steadily increase. The general director of the company is actively committed to partnerships with banks. He focuses on the fact that if banks are more attentive to lending to customers and quickly respond to overdue payments, transferring them to collectors through an agency scheme, the percentage of late payments will be significantly reduced by the end of 2015. First Collection Bureau (Moscow) is ready to continue to occupy its position as a leading player in the assignment market, increasing its power and actively expanding its geography.

Main activities

OJSC PBK offers its assistance in a wide variety of areas, and this is not only dry debt collection from persons who do not repay loans on time. The company provides:

• Financial intermediation.
• Services in the field of law, accounting and auditing.
• Professional consulting in matters of commercial activity and enterprise management.
• Analysis of market conditions and assessment of public opinion.

Above is a list of additional services. The priority direction of activity followed by the First Collection Bureau (Moscow), the reviews of which are positive, remains a set of measures that are aimed at supporting difficult receivables of both individuals and legal entities throughout Russia. Activities can be carried out both in court and in pre-trial proceedings. The possibility of carrying out work with pledges and support of enforcement proceedings is provided.

What should you do if you suddenly receive a call from a collection agency? How to behave? Why do they threaten if the debt is not repaid? Why did collectors end up with your debt, although you took money from the bank? Many such questions interest users every day. Let's try to find answers to them.

“First Collection Bureau” - what is it?

This is a limited liability company. It has absolutely nothing to do with government agencies, and therefore also does not have the authority to collect debts from defaulters. The First Collection Bureau naturally has negative reviews from debtors. Positive reviews can only be written by creditors, and these are, as a rule, banks. Most residents of Russia are still not clear why there is such a link between the bank and the debtor as a collection agency.

The work of a collection agency is to purchase receivables from banks for 7-12% of the original debt. In other words, the debts of defaulters are acquired. Moreover, collectors buy all debts indiscriminately: from several thousand rubles to amounts exceeding 100 thousand rubles. We are happy to acquire debt that has already expired several statutes of limitations (ID is 3 years). Then interest, fines and other types of commission fees are charged on this debt, so that in the future, taking advantage of the legal illiteracy of the debtors, they can try to collect it.

“First Collection Bureau” reviews from debtors who were able to defend their interests vary in nature: from negative to indignant. And the reason for this is that the debt was not repaid on time.

The emergence of collection agencies and their work

The first collection agencies began to appear in Russia not so long ago – 10-15 years ago. And they came to us from abroad. In many states where collection agencies operate, their activities are regulated by laws and regulations. In Russia, collection agencies terrorize debtors by resorting to various methods: calls at any time, SMS bombing, threats to the life and health of the defaulter, as well as promises to cause all sorts of harm to family members and friends of the debtor. The egregious cases that occurred in 2016 finally pushed the State Duma to adopt a law that could regulate collection activities and also limit aggression on the part of its employees. The first collection bureau has negative reviews of its work with debtors, like all organizations of this kind.

Methods of working with a debtor

The whole point of a collection agency’s work is to “knock out” the debt from the defaulter. And the methods of collectors are not always legal.

At the earliest stage, when collectors have just acquired the debt of the defaulter, the maximum possible information is collected about him. All phone numbers that the borrower left to contact him when applying for the loan are called. The first stage is easy, here the employees of the collection agency must persuade the debtor to pay off the resulting debt as gently as possible. The policy of persuasion includes “valuable” advice from bureau employees, in which they offer to borrow money from friends or relatives, take out another loan, sell something “unnecessary,” but close the debt to collectors. If the debtor is in no hurry to take advantage of such “valuable” instructions, but continues not to pay the debt, or allows himself unflattering comments about collectors and the banking system in Russia, then the conversation with him immediately moves to a different plane.

Telephone threats

The First Collection Bureau has unsatisfactory reviews from debtors about its methods of working with them. By refusing to voluntarily repay his debt, the defaulter risks: debt collectors are able to find the phone numbers of his close relatives and friends and start sending them mass SMS messages, in which they will tell in detail about who owes how much and to whom. And if relatives are able to understand, then not all acquaintances and friends will react the same way. It is not uncommon for debt collectors to find information about a debt and send it to friends via the Internet.

Visiting groups

The visiting teams, which are threatened in conversation by the employees of the First Collection Bureau, can actually visit the debtor. A letter will be sent to your postal address in advance, which will contain the date and time when the group will arrive. The letter will also contain information from which it follows that in order to ensure that the debtor does not interfere with the visiting team, a local inspector will be involved. The purpose of the visit is to make a preliminary inventory of the debtor’s property. This is a violation of Article 25 of the Constitution of the Russian Federation, which states: “no one can enter a home without the will of those living in it.” Since there was no court, accordingly, no court decision was made and, therefore, entry into the debtor’s home was illegal.

If the visiting team insists on making an inventory of the property owned by the debtor, then there is a violation of the Law “On Enforcement Proceedings”. Only bailiffs have the right to describe the property of a defaulter and only if there are title documents.

The most reasonable thing is not to open the doors to the so-called visiting group at all. But the debtor must be prepared that when the collection team leaves his house, offensive inscriptions about him and his debt may appear on the walls of the entrance and doors.

Summarizing the above, we can come to the conclusion that the reviews from debtors about the First Collection Bureau are not the best. Judging by the actions of the employees of this collection agency, it is clear that they are ready to take any illegal action in order to force the defaulter to repay the debt.

"First Collection Bureau": reviews from debtors. Are they legal?

From Article 382, ​​paragraph 1 of the Civil Code of the Russian Federation, it follows that “the creditor, with the written consent of the borrower, has the right to assign its rights and claims to third parties under an assignment agreement.” If the loan agreement includes a clause that states that in case of non-payment of the debt, the creditor has the right to assign his debt to a third party, and the debtor signs it, then he thereby agrees with this procedure.

From Article 382, ​​paragraph 2 of the Civil Code of the Russian Federation, it follows that “if the loan agreement does not contain wording on the transfer of debt to a third party, then such transfer is illegal.” But there is a caveat that such assignment of rights will be considered invalid if it can be proven that the other party knew or should have known about the lack of permission from the borrower.

Various debts can cause quite big problems for the debtor. If a bank or other creditor is unable to collect the debt on its own, they can transfer it to professional collectors, such as the First Collection Bureau company. But when working with debt collectors, debtors often face various difficulties, from how to view the list of debtors to the need to deal with illegal methods of collection.

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The first collection bureau - what is it?

The First Collection Bureau (PCB) is a professional organization specializing in the collection of various overdue debts: on loans, to insurance companies, telecom operators, etc.

Important! The first collection bureau is a commercial organization operating in the form of a non-public joint stock company. It is not a representative or partner of government bodies such as the Federal Bailiff Service.

The company was founded in 2005 and was initially active exclusively in the Far East and Siberia. But over 12 years, the organization grew significantly and was able to create an impressive regional network of its own offices and representative offices, and the organization’s head office moved to Moscow.

Currently, according to experts, PKB occupies up to 30% of the market for the acquisition of problem debt. In 2016, the company passed state registration as a professional debt collector and received the corresponding certificate.

How to check yourself against the list of debtors at the First Collection Bureau

For the convenience of debtors, the first collection bureau has developed an online service that allows you to check yourself against the list, find out the amount of debt and repay it, as well as receive various information about company discounts and certificates of no debt.

Let's take a step-by-step look at the procedure for viewing debt on the PKB website:

If the system cannot automatically recognize the debtor, it will offer to contact you via chat or email. On the website you can also pay off your debt online or receive a certificate of fulfillment of obligations.

If you cannot use the site to obtain information yourself, you can find out your debt to the PKB in the following ways:

• by phone 8-800-234-40-04;
• by email: [email protected] ;
• in the chat on the website;
• requesting information by regular mail sent to PKB: 108811, Moscow, Kyiv highway, 22 km, doml. 6, p. 1, bldg. A4a.

Do you need to pay your debt?

It is best to honor your contractual obligations and make timely payments to the bank or other original creditor. But if the client was nevertheless referred to a collection service, then he first needs to determine how legitimate the demands really are.

If the client has not received any notifications about the assignment of debt from the bank (the original creditor), then he should request from the collectors documents confirming the competence of their collection (assignment agreement). You can try to find out about the transfer of the contract by contacting the original creditor directly (for example, the bank that issued the loan).

It would be a good idea to check whether the original contract established a ban on transferring debt to third parties.

Even if all formalities are met, it should be understood that the statute of limitations for debts is 3 years. If they have already expired, then the company may try to collect the debt and even go to court, but you can indicate this fact in the application and the court will terminate the proceedings.

The only reason you may need to pay off an old debt with an expired statute of limitations is to correct your credit history. Although a long delay will in any case have a negative impact on it, it will be much less than a completely outstanding debt.

What is the work of a collection agency?

All over the world, collection bureaus and agencies specialize in achieving a situation where the debtor repays the debt in full or at least returns to the payment schedule. But if in civilized countries collectors perform primarily the functions of financial consultants and assistance in solving problems between creditor and debtor, then in Russia they are precisely collectors, and sometimes “beaters” of debts.

Most collection companies in the Russian Federation prefer to work with banks, microfinance organizations and other creditors on the basis of an agency agreement. In this case, they perform only the functions of a representative of the creditor and receive a fee determined by him for this.

PKB is one of the few companies in the professional collection market that specializes in the purchase of problem debt and its further collection independently. In this case, debts are acquired in batches at once, without special selection for specific borrowers or amounts. PKB can collect debts ranging from several hundred rubles to several hundred thousand or even millions.

Legal and illegal methods of collection bureau work

The activities of collection agencies and similar companies are not prohibited by Russian legislation. But they are quite seriously limited in the list of possible actions. As legal methods of debt collection, PKB and other collection agencies may use the following:

• Information by telephone. Collectors can call the debtor a maximum of 1 time a day, 2 times a week and 4 times a month. All calls must be made from 8 a.m. to 10 p.m. local time (for the debtor), and on weekends and holidays - from 9 a.m. to 8 p.m.
• Personal meetings. No more than 1 visit per week is allowed. The debtor may refuse to allow collectors into the home.
• SMS notification. Collectors can send notifications in the form of text messages to the debtor’s phone, but no more than 2 SMS per day and no more than 4 per week.
• Going to court. The final decision in a debt case can only be made by the court. If the debtor loses it, then the collectors may turn to bailiffs to forcefully collect the debt.

Collectors can also send letters to the home address of debtors by Russian Post. But they have no other legal options for conducting debt collection activities. However, often such organizations are not stopped by the restrictions established by law, and they begin to use various methods of illegal debt collection.

Let's look at what illegal methods collectors use most often in their work:

• threats against the debtor, his family, relatives;
• disclosure of information about debt to third parties;
• physical violence;
• dissemination of negative, false and other defamatory information (posting advertisements with various wordings and information about the debtor);
• attempts to independently inventory property and/or seize it without obtaining a court decision or involving bailiffs;
• damage to the property of the debtor, neighbors or other persons.

The first collection bureau - how to deal with it

If employees of the First Collection Bureau or any other debt collection organization behave incorrectly or violate the law, then the debtor must try to collect as much evidence as possible of this fact. You should record all conversations, calls, save letters, photographs of illegal actions (for example, graffiti), etc. This will help if the client decides to complain about debt collectors and fight them.

Important! If threats are received by the debtor or his relatives, you should immediately report them to the police, if possible, attaching evidence of illegal actions.

The Federal Bailiff Service supervises the activities of professional debt collectors. It is the bailiffs who should first file a complaint about illegal practices. If the FSSP does not take action and ignores requests, then the debtor can also file a complaint with the prosecutor’s office. But usually this is not required.

You can submit a complaint to the FSSP in one of the following ways:

• on the official website of the FSSP through the online reception;
• by personally visiting the bailiff department at your place of residence;
• by sending your application by regular mail.

The first collection bureau is quite loyal to debtors whose debt has been transferred to it. You can find out the amount of debt on the company's website. But still, the debtor must always understand that his rights are also protected by law, and collectors often violate it and he must be able to defend his interests.

Leave your comments and share your opinion. If you have any questions, competent specialists will help and tell you how to find out your debt or how to properly communicate with the employees of the First Collection Bureau.