We all heard about collection agencies. Someone even had experience working with them after an unsuccessful loan or a simple delay in payment of utilities or communication services.
Everyone knows how unpleasant they can be.relationship with representatives of such companies. One of them is the agency "IBA Finance". Reviews about him, of course, not the most optimistic. Nevertheless, the company works with debts of various types and performs its tasks at the highest level. She will be devoted to this article.
So the company that this material is dedicated tobelongs to the Czech holding MBA Empire, is represented by two offices in Russia. So, its branches are located in Moscow and Bryansk. According to credit market experts, for the reason that the agency’s offices do not have a wide network, they work remotely.
As indicated on the company's website, the collectionAgency "IBA Finance" is only the Russian part of a large group operating in 18 countries. In total, this agency serves about 6.5 million debtors. Also, they (according to the official page) are among the top three leaders of the credit recovery market in our country. They call their work efficient and well-coordinated.
Правда, если об «МБА Финансы» отзывы простых debtors find out, you can understand how rude and immoral ways are representatives of this company. People complain that they are being besieged by calls, they are worried at the most different times, they are trying to make them pay with threats. On the methods of the agency and how to resist him, we will discuss further in the article.
In the meantime, consider the areas and directions in whichLLC IBA Finance is working. Reviews of those who came across this company testify to the broadest profile of this agency. Thus, it covers debts that arise not only in the field of bank lending, but also in housing and utilities services, and even Internet and communications. One can safely call “IBA Finance” a wide-profile player. True, experts say about the gradual entry of the company into the banking market and the further conquest of its niche here.
And what about themselves say in the collectionagency? In fact, everything is explained here a little differently. About me "MBA Finance" reviews leaves completely different. So, on the site they have a section “Our Mission”, where company representatives describe their principles of activity in the market. Allegedly, their main goal is to combat debt and fair restoration of participants of legal relations in their property rights. The emphasis in “IBA Finance”, by the way, is made at the pre-trial stage of conflict resolution. As a matter of fact, in simple terms it can be called settlement of the dispute by the methods of calls, threats and intimidation of the client.
In more detail about how the company “IBAFinance ", reviews of borrowers tell. If you read them, you can conclude that the agency’s staff are ready to call at any time of the day or night, often appearing to be other names. In addition, they can use clever psychological tricks (such as constant moral pressure on a person). There are also frequent cases when completely different amounts of compensation are demanded from the debtor. The worst thing is that they can change from day to day, and sometimes even more often! How much a person is obliged to pay really in the end, no one really can know.
Of course, the basic rate in the work thatimplemented by the IBA Finance company, reviews of which we have analyzed are done on threats. In this way, collectors “convince” people to pay for their outstanding debt.
What is most interesting is the service charge itself.the company. Judging by the reviews of the borrowers, in addition to a trifling delay in the amount of 500 rubles, “IBA Finance” could demand to pay an additional 300 rubles for their services as intermediaries between the lender and the person. Of course, this amount should be paid by those who made the debt. Many are indignant for these reasons, go to lawyers and oppose collectors in every possible way.
The IBA Finance Company (2015 reviews markthis is the same as the older testimony of borrowers) can effectively influence a person who must return the money. As it was already specified, calls, threats and letters calling for debt repayment are used. If a person is trying to somehow object, demands to provide the proper documents, IBA Finance employees go to an even greater confrontation and simply give the borrower 3 days to pay. The amount of money that a person must pay for this reason may increase several times.
In general, "IBA Finance" reviews are called a structure, often acting tough and even illegal methods. About how to confront them, tell you next.
Для того чтобы успешно общаться с коллекторами, trying to force you to pay using such illegal methods as regular intrusive calls under false names and threats, you just need to clearly understand your position and its power.
As a debtor you must be aware ofwhat you are forced to pay. According to the current legislation (namely, Article No. 385 of the Civil Code), the debtor has the right to ascertain that the right to demand repayment of the debt was indeed assigned to a third party (namely, in our case, “IBA Finance”).
Therefore, for a start, you can safely demandto provide you with a full package of documents confirming the right requirements. For a company that does not work in your city (unless you are from the capital or Bryansk), of course, this will not be easy. This is your task - to deliver a maximum inconvenience to collectors.
Как показывают о «МБА Финансы» отзывы, еще одним The option to get rid of pushy collectors is simply ignoring. Yes, yes, if you know your rights, you can safely disassociate from the pressure of the company. The main thing is not to sign documents that you received a letter demanding to pay off the debt. As a rule, it is sent in a couple of days after the call. Thus, after talking to the collectors on the phone, you must rush to the company that is the lender and pay the debt directly from them.
According to the people who leave the reviews of 2015 on “IBA Finance”, a better option to part with the debts is direct repayment. Let us examine this situation by example.
Let's say you owe for utilitiescompanies from the housing sector 500 rubles. Since you do not pay, the right to demand the return of the debt is assigned to IBA Finance. A collection agency (reviews of which we cited in this article), in turn, begins to conduct activities to force you to return the debt. And this is an additional cost. Who do you think will carry them? Of course you are.
After the collectors call you, they willdemand not only to return the debt of 500 rubles, but also to pay, say, 400 rubles for debt collection services. Yes, it sounds absurd, but it is with such methods that this agency works. Even about “IBA Finance”, employee reviews say the same thing - they are simply given instructions, according to which they can set the rate for their services on their own. For this reason, it turns out that a single debtor is called by several representatives of the agency, demanding to pay 400, 600 and 300 rubles for the services provided for the repayment of the debt.
Generally, if we talk about how to workemployees in the company should study the experience of other similar structures, namely collection agencies. There, as we know, the main work is done by several categories of workers: those that are directly involved in the delivery of correspondence; those that communicate with debtors and work in a call center, as well as lawyers - people who protect the interests of "IBA Finance" in court.
In fact, from the work of the employee of each of these threecategories are more dependent on whether the debtor will pay. And, contrary to popular belief, lawyers in the collection company are engaged in the core activities less than others. The reason for this is simple - the company's vector is not aimed at resolving disputes within the framework of the law, but towards banal knocking out money from people with the help of informal means.
Based on this, it is possible to draw conclusions abouthow it works in the company as a whole. There is little pleasant: a person must be morally stable and know for the sake of what he works and what his mission is. Work in "IBA Finance" is considered highly paid due to the format of the company. Yes, and get there is not so difficult.
Obviously, working at such an agency canto be profitable from a material point of view, can bring some experience in the credit and financial sector, but it is unlikely to provide an opportunity for significant career growth. As practice shows, for a long time specialists in collection agencies do not linger. At least, you can find out about this, if you read reviews about the work in “IBA Finance” (Bryansk). Perhaps in the Moscow office they have everything differently.
Generally, the work of a collection agencyaims to pay off as many debts as possible. This is done, of course, by influencing the debtors, who, motivated by fear or discomfort, which brings them communication with representatives of the company, do it quite willingly. Accordingly, the interest of ordinary employees is to “bring down” as many debts as possible.
According to those who are about “IBA Finance”(collection agency) reviews as employees leave, their salary consists of two parts: a fixed rate and interest accrued depending on the number of debts returned. Accordingly, this motivates a person to work harder, ring up customers twice as intensively, increase pressure and threats. You understand that not everyone can act morally. Therefore, the salary of collectors is higher than that of lawyers and employees of call centers of other companies, but at the same time the turnover rate here is rather big.
As a result, I would like to give a few recommendations, both to those to whom the collection agency “IBA Finance” is calling to return the debt, and to those who would like to get a job there.
First: do not panic and do not despair!There is legislation, having studied which, you can know exactly what to do. In fact, by following them, you will always be in profit. Just do not give up too soon, know that you must repay the debt to the original creditor, and do it as quickly as possible!
In the same case, if you want to work ina collection company, I would like to remind you that this is a good start both for a career and a set of experience, and for a way to make money. Therefore, if you are sure that you will not feel remorse about this, get settled! And good luck to you!
