Even if the thugs come

then don't open the door, call 02

They will be delivered and everything will be described in detail. Neither bankers, nor, especially, collectors can force you to pay, they have no authority, and if they threaten, extort, insult, then based on the fact of threats, extortion, etc., you can file a complaint with the Police or the Prosecutor's Office. Officials of the Federal Bailiff Service of Russia (Bailiffs) can enforce the Court's decision, and this is still far away, but if it comes to court, they can not seize all the property in accordance with Article 446 of the Civil Procedure Code of the Russian Federation.

For information:

Article 14.8 of the Code of the Russian Federation on Administrative Offences. Violation of other consumer rights 1. Violation of the consumer’s right to receive necessary and reliable information about the product (work, service) being sold, about the manufacturer, about the seller, about the performer and about the mode of their work - entails a warning or the imposition of an administrative fine on officials in the amount of five hundred to one thousand rubles; on legal entities- from five thousand to ten thousand rubles. 2. Inclusion in a contract of conditions that infringe upon the rights of the consumer established by law - entails the imposition of an administrative fine on officials in the amount of one thousand to two thousand rubles; for legal entities - from ten thousand to twenty thousand rubles. 3. Failure to provide a consumer with benefits and advantages established by law - entails the imposition of an administrative fine on officials in the amount of five hundred to one thousand rubles; for legal entities - from five thousand to ten thousand rubles.

Article 333 Civil Code Russian Federation. Reduction of the penalty If the penalty payable is clearly disproportionate to the consequences of the violation of the obligation, the court has the right to reduce the penalty. The rules of this article do not affect the debtor’s right to reduce the amount of his liability on the basis of Article 404 of this Code and the creditor’s right to compensation for losses in cases provided for in Article 394 of this Code.

Article 10 Federal Law"On the Prosecutor's Office of the Russian Federation." Consideration and resolution of applications, complaints and other appeals in the prosecutor's office 1. The prosecutor's office, in accordance with their powers, resolves statements, complaints and other appeals containing information about violations of laws. The decision made by the prosecutor does not prevent a person from going to court to protect his rights. A decision on an appeal against a sentence, decision, determination and order of the court can only be appealed to a higher prosecutor. 2. Applications, complaints and other appeals received by the prosecutor’s office are considered in the manner and within the time frame established federal legislation. 3. The response to an application, complaint or other appeal must be motivated. If the application or complaint is denied, the applicant must be explained the procedure for appealing decision taken, as well as the right to go to court, if provided by law. 4. The prosecutor, in accordance with the procedure established by law, takes measures to bring to justice persons who have committed offenses. 5. It is prohibited to forward a complaint to the body or official whose decisions or actions are being appealed.

On January 1, 2017, the law on the protection of debtors (FZ-230) came into force. Any violation of human rights by collection structures will apply not only to civil law relations (fine up to 500 thousand), but also to criminal acts.

The FSSP has been appointed as the supervisory authority for collection activities. In case of infringement of the debtor's civil rights, it is necessary to contact the bailiffs to file a complaint.

Mobile group of collectors - what is it?

Mobile groups are employees of banks or collection agencies who come to the debtor’s registered address.

Their powers extend exclusively within the legal framework. If these conditions are violated, you should immediately contact the police or regulatory authorities:

Important! The prosecutor's office can take part not only in criminal proceedings against debt collectors, but also act on the side of the defendant in civil proceedings. The basis is Art. 45 Code of Civil Procedure of the Russian Federation.

Transfer of contracts to the work of mobile groups

Not all problematic contracts will be sent to the field workers. Here a number of conditions must be met. Otherwise, their actions will not lead to recovery. As a result, the bank will be without profit and will lose money.

Conditions under which mobile groups will take care of you:

1. The amount of debt starts from 20 thousand-25 thousand rubles.
2. The distance from the main office is no more than 150 km, but may depend on the amount. If the debt is large, then collectors can travel a longer distance.
3. The debtor of the bank is not in contact, but paid off the loan earlier.
4. Client refuser - does not agree with any terms of the agreement or this moment does not have the required amount.
5. A person has missed a promise two or more times.
6. In some cases, when the borrower is a fraudster (he paid 1-3 times), but his relatives are in contact, they are worried about him and, perhaps, are ready to pay for him.
7. Mobile groups can receive contracts where urgent travel to the client is necessary. For example, office team employees found out that the client has the necessary amount, but he wants to spend it on something else.

Work process

1. Mobile groups receive to work a register of debtors that have already been worked out by employees of office teams, but are suitable for the conditions described above.
2. The contract has been in effect for one month.
3. The first thing that employees of mobile groups do before going to the debtor is to print out personal data, his photograph, comments from the employees of the delinquency and collection department, and a pre-trial claim (what is this, see).
4. Then they travel to the registration address, sometimes at the actual address.
5. Establish contacts with the client, relatives, acquaintances, colleagues.
6. Negotiating the closing of a loan agreement by the client.

If the debt is closed, then the agreement is sent to the archive, if not, then the office team members return to work, who, using the established telephone numbers (if any), call the client and his immediate circle.

What to do if employees of mobile groups come to you?

Let's look at the standard model of behavior when communicating with debt collectors. Remember that they are not allowed to come to you more than once a week. You can also always refuse to communicate.

How to behave:

• ask to see documents; if you hear a refusal, you can stop the conversation;
• do not share your personal data and the data of your loved ones;
• do not disclose your property status;
• do not disclose your marital status;
• do not tell them about your minor children;
• do not talk about sick relatives;
• don't let me into the apartment.

Provide only the information you provided previously. At the moment when the loan was issued. Otherwise, everything may turn against you.

Bottom line

With the entry into force of the new law, the actions of collectors are significantly limited. It will take more than one year until the system is fully adjusted, but now we can say that the process of debt repayment has taken a civilized footing and is controlled by the state.

If you have questions about the topic of this article or require advice, write to us in the comments or contact the site’s duty lawyer in the form of a pop-up window. We will definitely answer and help.

1. I wanted to ask you, I took out a loan in the amount of 30,000 rubles, it was difficult in cash, and it turned out that it became a little tight and I couldn’t pay, now they give me the amount of 60,000 rubles, they call me with threats, obscenities, now they called from the security service and they’re talking about an on-site commission that they’ll come to work, I have a small child and they said take me to my grandmother, money Now there is no way to pay such a debt at all, I wanted to negotiate with the collectors about additional regulation somehow in installments, but in response there were only curses, they even called the boss and gave him a slap, please tell me the visiting team can do something for me since they asked me to take the child away? It’s just, to be honest, it’s very scary, everyone’s situations are different and it’s impossible to come to an agreement.

Lawyer Sliva E. O., 34 replies, 20 reviews, online since 10/22/2019
1.1. Good afternoon
Your situation can be easily resolved. A series of statements are sent to your lender, after which life becomes easier. Contact us if you want to resolve your debt situation to your advantage.

2. I have the following question. I had to pay on the 16th of this month, 2300 rubles. to Alfa Bank for a consumer loan, but did not pay because I don't have any money. On the 17th, a robot from Alfa Bank called me and gave me a choice of payment days from 1 to 3 days, I chose 3 days. As a result, I couldn’t pay because... I still don't have any money. Today is the 21st, they called me from Alfa Bank, from the collections department, and asked why I promised to pay and did not pay my debt, to which I replied that before that a robot called me from their bank and I could only choose a maximum of 3 days, but I still don’t have the money to pay off my consumer loan. To which the girl on the other end of the line told me that they give me until the 24th to pay off the loan myself or reborrow from someone else, otherwise they promised to charge me the entire amount of my debt, which is 100,000 rubles. Before this, I had a debt restructuring done on 2 of my consumer loans they have. In this case, if I don’t have money to pay the loan on the 24th, can they charge me the full amount of debt and involve their bank’s field team? Before this, I had payment arrears, to the point of contacting the bank and their collection agency, but I had already paid off all these debts and tried to pay regularly, but this month, unfortunately, I was not able to pay on time. Thanks in advance for your answer.

Lawyer Khokhlacheva K.I., 42 replies, 21 reviews, online since 09.14.2018
2.1. Good afternoon. Such a condition must be specified in the loan agreement or restructuring agreement. Most often it is there, and the Bank has the right, under certain circumstances, to demand a refund of the full amount. However, the arrears that are accumulating are not interesting to any bank. If you do not have the money to repay the loan, but you do not want difficulties, contact the bank personally and ask to consider the issue of restructuring, explaining the circumstances.

3. Does the Glavfinance visiting group travel to Yekaterinburg? They scared me about leaving today.

Lawyer Kochetkov A.V., 5976 answers, 3587 reviews, on the site from 04/24/2018
3.1. The organization does not have the right to go anywhere; if there are complaints, let them go to court, otherwise it is better to contact the police regarding the threats.

3.2. Maxim, they are scaring all debtors. Do not worry. They do not have the right to enter your living space. Don't let anyone in. Offer to solve problems in court or do not communicate with them (ignore them).
If you have a lot of debt, consider bankruptcy.

4. I already contacted you today. Regarding the fact that he owes the RosDengi company for 36 days, 9800 thousand rubles. ,They just called me and said that they were from the security service and that in two hours there would be debt collectors at my house, and before that, 2 hours ago today they said that there would be a visiting team. How to understand all this, it’s true that the collectors will come.

Law firm LLC "Helios", 12588 answers, 7097 reviews, on the site from 03/01/2019
4.1. Hello. No they won't come. Do not worry. This is just one of the methods of intimidating collectors.

Lawyer Rasputin A.S., 3866 answers, 873 reviews, on the site since 08/20/2009
13.5. A common horror story for collectors.

14. I received an SMS “Your debt has been transferred to the mobile collection group. Please do not leave your locality and stay at home after 18.00 (can they come, and is it legal?

Lawyer Kozlov S.S., 2577 answers, 1447 reviews, on the site from 05/02/2019
14.1. Hello! No illegal. This limits your freedom of movement. Such restrictions can only be imposed by a court. It is advisable that one of the lawyers on the site help you draw up a letter to the source of the SMS with a demand to stop illegal actions, and a statement to the prosecutor’s office - on the basis of Art. 10 Federal Law on the Prosecutor's Office - the prosecutor will respond.

Lawyer Shvarts A.Ya., 52 replies, 21 reviews, online since 07/24/2019
14.2. Good afternoon, anyone can come to you, but they have no right to enter your house (apartment). Whether you let them in or not is your right. By and large, they will come to you to simply inform you that you have a debt, nothing more.

Lawyer E. S. Demeneva, 1637 answers, 769 reviews, on the site from 08/09/2018
14.3. Valentina, this is a common “intimidation” scheme to get you to pay off your debts.
There are NO legal grounds for creditors to demand this.
Therefore, you are NOT obligated to:
1. Stay at home at a certain time
2. Let creditors into your home.

15. I have a loan for 51 thousand. I ended up in the hospital and lost my job. That’s why I didn’t pick up the phone, as soon as I left the hospital I got in touch with them, to which they first said to repay 10 thousand before 19, then before 18 to 6 in the evening, if the amount is not received, they will sue and they will come to us to take away the property. They said the amount less is not counted, but I explain to them the situation and the fact that I have already found a job and will pay it now. I dropped 400 rubles, then 4 thousand, and will continue to pay in the same way. To which they write that expect a visiting court group or something like that. Oh, expect a recovery group of something like that. How can I agree with them that I will pay but gradually, without going to court? And what to do if they come.

Lawyer Bulankina S.N., 69552 answers, 25122 reviews, on the site since December 28, 2015
15.1. Just pay what you can.
Nobody will come to you. Even if there was a trial, you would pay the same and nothing would be taken from you (they would simply deduct up to 50% of your income).

Lawyer Makarov M.V., 18 answers, 14 reviews, on the site from 01/28/2017
15.2. Hello! Pay within your means. They can sue you - this is the right of the creditor. But if there is still a trial, you will be able to reconcile the calculations and the amount of recovery will be lower. Further. After the court decision has entered into legal force and enforcement proceedings-You have the right to apply to the court for an installment plan for the execution of the court decision. Bring to court documents about your state of health, financial situation, etc. Good luck.

16. NSV collectors require a receipt for payment, but I am not able to provide it. They threaten that if I don’t send the check by 7:00 pm today, they will send a visiting team. All questions are answered with “These are not our difficulties, ask the environment.” But there’s really no way to take some kind of screenshot or bank statement. Since 9 am they have been texting me asking me to send a check. I'm all on edge.

16.1. Hello Anna! Send to the creditor a partial withdrawal of personal data, withdrawal of consent to interact with third parties, refusal to interact (if the delay is more than 4 months), a request for the destruction of personal data that is not necessary for the stated purpose of processing, refusal to execute the interaction agreement. Your case will be withdrawn from the collectors, all calls and SMS will stop, both to you and to third parties, no one will come to your home.

How to reduce the amount of debt on a microloan by 6 or more times - an example from judicial practice

How to win a lawsuit against a bank over a loan

Also, keep in mind that today there are many ways in which you can legally get rid of loan obligations or at least make it impossible to collect the debt under the loan agreement. These include termination loan agreement, recognition of the transaction as invalid, challenging the terms of the contract as contrary to the law (Article 168 of the Civil Code of the Russian Federation), recognition of the transaction as enslaving (clause 3 of Article 179 of the Civil Code of the Russian Federation), bankruptcy individuals and the end of enforcement proceedings on the grounds of Art. 46 of the Federal Law “On Enforcement Proceedings”.

Sincerely, lawyer – Stepanov Vadim Igorevich.

19. I have the following question: I pay my debt to Sberbank through bailiffs. They distribute the amount monthly for loans (there are three of them). A few days ago I received an SMS from NSV LLC, that according to my debt PJSC Sberbank A collector has been appointed responsible and in order to avoid personal meetings you need to contact by phone. 88002349447. Yesterday a woman called and said that money for some loan has not been received at all since March, although I track the receipt of money every month (50% has been deducted from my salary for the third year now). She also said that a visiting group of bailiffs had been assigned to me to take an inventory of my property. Please explain, if the bailiffs receive 50% every month, then why else would they sell property that I practically don’t have? And what kind of company is this? I did not receive any notifications from the bailiffs. Thanks in advance for your answer.

Lawyer Malykh A.N., 12017 answers, 3699 reviews, on the site from 11/14/2014
19.1. Good day. Contact the bailiff and find out where 50 percent of your salary goes every month. There it will already be clear what to do.

Lawyer Soldat S.V., 3997 answers, 2687 reviews, on the site from 01/22/2018
19.2. Hello Anna! Send to the creditor a partial withdrawal of personal data, withdrawal of consent to interact with third parties, refusal to interact (if the delay is more than 4 months), a request for the destruction of personal data that is not necessary for the stated purpose of processing, refusal to execute the interaction agreement. Your case will be withdrawn from the collectors, all calls and SMS will stop, both to you and to third parties, no one will come to your home.

Whether or not to communicate with anyone is up to you to decide.

Calls to work and other methods of disseminating information about your debt at your place of work are prohibited by 230-FZ, regardless of the consent of the debtor.

A complaint about unlawful actions of debt collectors must be sent to the FSSP.

20. RGS is organizing an on-site debt collection team. Is there such a thing? How legal are their actions? There is no court order.

Lawyer Malykh A.A., 138406 answers, 49412 reviews, on the site since December 29, 2001
20.1. Abstract question. An organization can create any structural divisions it likes, whatever it wants to call them. But judging by the question, there were no actions.

Lawyer Bubnova S.B., 1710 answers, 1104 reviews, on the site from 09/16/2014
20.2. Good afternoon
Since the court decision on debt collection has not been made, the message has no basis.
If you do not want to communicate with them, send them to credit institution written notification of withdrawal of consent to the processing of your personal data, as well as notification of refusal to interact with third parties on the basis of Federal Law No. 230 of July 3, 2016.
In the future, if these rights are violated, file complaints with Roskomnadzor or bailiffs.

How to reduce the amount of debt on a microloan by 6 or more times - an example from judicial practice

How to win a lawsuit against a bank over a loan

23. I took out an express money loan of 15,000 rubles without interest, was overdue for a month, called this company and said that I would pay on June 28 or 29, maybe full amount I can't pay right away. Did you send an SMS saying that the visiting group will arrive on June 9 at 19:00? I would like to know whether they will come or not?

Lawyer Kalashnikov V.V., 188671 answers, 61686 reviews, on the site since 09/20/2013
23.1. No. They are so scary.

Lawyer Yu. A. Fedorov, 951 answers, 639 reviews, on the site from 12/19/2018
23.2. When paying a debt, be sure to take a document confirming that the creditor has no claims against you and record the negotiations on a voice recorder.

24. Today they called from the debt collection service, freedom from debt. I am 28 days past due on my debt. They said that if the money is not received by 15:00 today, then a visiting team will go to the registration address. What to do?

Lawyer Pitnichenko A. Yu., 2732 replies, 1891 reviews, on the site since 12/20/2013
24.1. Obviously, don't let the visiting team in. They are not bailiffs and do not have the right to describe the property. Only bailiffs have such powers.

How to reduce the amount of debt on a microloan by 6 or more times - an example from judicial practice

How to win a lawsuit against a bank over a loan

26. I received such a message on Viber, but I don’t even understand what kind of organization it is and why they write on Viber.
Good afternoon! Due to the fact that you have been in arrears for a long time, the company has decided to sell your contract on the basis of Article 382. Civil Code of the Russian Federation to the Everest collection agency. Also, an on-site collection team with representatives of the collection agency was appointed for May 29, 2019.

Lawyer Tsaturyan M.K., 7842 answers, 7871 reviews, on the site from 10/03/2016
26.1. If you have no debts, then do the following:
1. Send a message to the so-called “Everest Spacecraft” to terminate interaction.
2. File a police report regarding extortion.
3. If you have accurate information about the visit of uninvited guests soon, inform the police so that urgent operational measures can be taken to apprehend the extortionists.

27. My loan is overdue for 2 months, the bank says that they will send a visiting group to relatives and work, what should I do in this case?

Lawyer Kolotusha D.V., 12,600 answers, 5,475 reviews, on the site since 01/30/2013
27.1. Good afternoon

This is just a way of psychological pressure on the debtor from the side of the bank; the bank does not have the right to send anyone to relatives. Well, you still need to deal with the overdue loan.

Lawyer Levashov D.V., 8699 answers, 4541 reviews, on the site from 07/22/2013
27.2. Vladlena, this is not legal. At first glance, it seems that this is just a “horror story” with the help of which the bank is trying to attract your attention to the fulfillment of the obligation. File a corresponding complaint with the bailiff service or the territorial office Central Bank Russian Federation at your place of residence. The attacks must be stopped. Only YOU should be responsible for your obligations, and no one else.

28. I have this situation. I have a loan from Sberbank and there is an overdue payment on it. You receive SMS messages stating that the debt has been transferred to the on-site collection group. But the fact is that I now live with my husband in his parents’ apartment, and I am not registered there. And they come to this exact address. Do they have the right to do this, since they cause discomfort with their visits not to me, but to my husband’s parents?

Lawyer Kriukhin N.V., 157614 answers, 69086 reviews, on the site from 07/14/2011
28.1. Hello.
You can submit an application for refusal of interaction to the bank, the form of which can be found on the FSSP website.

29. MFO writes that for violation of payment, your address is included in the route list of the visiting group, what do you advise and should you be afraid?

Lawyer Isaev R.S., 18640 answers, 8148 reviews, on the site from 03/04/2016
29.1. Hello, these are just their threats, in this case they will not do anything to you. In general, I would advise you to simply write a refusal to interact.
Federal Law of July 3, 2016 N 230-FZ (as amended on November 12, 2018) “On the protection of the rights and legitimate interests of individuals when carrying out activities to repay overdue debts and on amendments to the Federal Law “On Microfinance...
Article 8. Restriction or termination of interaction with the debtor

1. The debtor has the right to send to the creditor and (or) person acting on his behalf and (or) in his interests an application regarding interaction with the debtor in the ways provided for in paragraphs 1 and 2 of part 1 of Article 4 of this Federal Law, indicating:
1) interaction is carried out only through a representative specified by the debtor;
2) refusal to interact.
2. The form of the application specified in part 1 of this article is approved by the authorized body. Such an application must be sent through a notary or by registered mail with acknowledgment of receipt or by delivering the application against receipt.
3. The debtor’s statement that interaction will be carried out only through the representative indicated by him must contain the last name, first name and patronymic (if any) of the debtor’s representative, his number contact phone number, postal address and email address.
4. Only a lawyer can act as a representative of the debtor, provided for in Part 3 of this article.
5. If the application specified in part 1 of this article is received, the creditor or a person acting on his behalf and (or) in his interests has the right, on his own initiative, to interact only with the representative specified in parts 3 and 4 of this article.
6. The debtor’s application for refusal to cooperate may be sent to the creditor and (or) a person acting on his behalf and (or) in his interests no earlier than four months from the date of delay in the debtor’s fulfillment of the obligation. The debtor's statement of refusal to cooperate, sent by him before the expiration of the specified period, is considered invalid.

Lawyer Iskibaeva E. Yu., 24071 answers, 13075 reviews, on the site from 01/05/2017
29.2. Hello!
No. You can not let them into the apartment and not communicate with them, insisting on resolving the issue exclusively in court.

Lawyer Soldat S.V., 3997 answers, 2687 reviews, on the site from 01/22/2018
29.3. Hello, Alexander! Send to the creditor a partial withdrawal of personal data, withdrawal of consent to interact with third parties, refusal to interact (if the delay is more than 4 months), a request for the destruction of personal data that is not necessary for the stated purpose of processing, refusal to execute the interaction agreement. Your case will be withdrawn from the collectors, all calls and SMS will stop, both to you and to third parties, no one will come to your home.

Whether or not to communicate with anyone is up to you to decide.

Calls to work and other methods of disseminating information about your debt at your place of work are prohibited by 230-FZ, regardless of the consent of the debtor.

A complaint about unlawful actions of debt collectors must be sent to the FSSP.

There is also an interesting option for protecting consumer rights, which, under certain conditions, will make it possible to prevent an unscrupulous creditor from entering the debt collection court and punish him with rubles.

High interest rates of MFOs can be recalculated, since high percent MFO (for example, 2% per day) is subject to accrual only for the loan repayment period (for example, 1 month), and for the rest of the period the weighted average is subject to accrual interest rate on a loan for individuals persons (about 20% per annum). In this way, the amount of debt can be reduced very significantly.

How to get out of the microloan “trap”?

How to reduce the amount of debt on a microloan by 6 or more times - an example from judicial practice

How to win a lawsuit against a bank over a loan

30. I received an SMS “Your debt has been transferred to the on-site collection group. Please be at the address after 18.00.”

Lawyer Astsatryan N.V., 41,725 ​​answers, 23,573 reviews, on the site from November 24, 2016
30.1. Ignore them and that's it.

Collection agencies often scare me mobile team. They say she will come and appreciate what I have financial situation, and talk to me “constructively.” For now, these are just scares and bluffs.

For example, they often send me (sent) SMS from Morgan and Stout and NSV LLC: A mobile team has been sent to you(visiting group). But no one has arrived yet.

But you have to be prepared for anything, so I decided to write an article on the topic -

Mobile group of collectors. How to communicate and how to protect yourself.

First, you need to remember that no one has the legal right to enter your home without a court order or search warrant. Even a mobile team, a mobile group, even with an angle grinder, with machine guns and in uniform.

A representative of Escalat LLC described how to meet a team of collectors in an article about how to communicate with collectors. And also in the article How not to pay a loan legally. If communication occurs at the stage of telephone conversations, then you can protect yourself from calls from collectors using the Black List program on Android.

Namely:

Take a notepad and pen, and demonstratively and busily write down:

1. Last name, first name, patronymic.

2. Position.

3. Name of debt or collection agency.

4. Actual and legal address.

5. INN, OGRN of the debt agency.

6. Number of the certificate of registration as an operator for the processing of personal data.

I don’t even know what it is, but I don’t think it will come to that anymore

7. Find out how my personal information was obtained.

The fact that it was transferred by the bank to unauthorized persons is illegal.

8. Ask to see your passport and rewrite your data.

9. Ask for a document confirming the collector’s right and authority to communicate with me on behalf of the collection agency and the bank (power of attorney). There should be information about the organization and passport details of the field team employee.

If employees of the field collection team refuse to provide information on any item, communication with them can be stopped. The motive is that they refuse to fulfill my legal demands, based on this I can say that they are scammers demanding money from me.

Additional protection from a mobile collection team

You can demonstratively dial the police number.

Let me remind you that from the police cell number - 020 , or a single emergency number 112 .

It doesn’t matter what number you call, the main thing is the fact of the call.

Although, you shouldn't bluff either.

In addition to making calls, we have the legal right to record the conversation using a voice recorder or video. Or take a photo. Since the representative of the brigade or the collector is an official and is on duty.

If the collector or "brigadier general" does not want to keep a record, explain that this is for your safety and ours. And you can also ask - what are you afraid of, are you doing something illegal?

It will be good if there are witnesses present during the conversation. It is much easier for a team to cope with one person. Ring your neighbors' doorbell. I think it's just about psychological pressure, because the 90s are already behind us.