People think collectors bandits

This was announced during a press conference, which was attended by representatives of one of the most "Neuvazliayev" occupations of the country. The results of a special study of the National agency of financial researches (NAFI) reassured the audience: 80% of Russians are willing to pay the debts, failure to do for them is equivalent to the crime. Over the past year has changed the main reason for non-repayment of loans: in 2009 it was dishonest on the part of banks, deceiving customers, the current - these are force-majeure circumstances (job loss, illness, and even divorce). The older people, the more important for them to honor the credit contract execution. Often in post-crisis year of the loan is not able to return to the borrower, which raised interest rates and people with low incomes simply do not calculate their financial strength. NAFI CEO Olga Cousin noted that 60% of Russians still do not know anything about collectors, but those who know (18%) consider them criminals. Arrears of borrowers to banks in 2010 increased by 20%. In this case, there is increased percentage of defaults among women, but decreased among the older generation - the head of agency debt "inspector" Arthur A.. Foreign experience shared representative "City Bank" Troy Hartsell has declared that the differences between debtors in Russia and other countries there is little: "People want to pay, but there are unforeseen circumstances." A small local bar called the lack of expert information from clients about the consequences of loan default, and in some cases - sending employees on unpaid leave. His organization tries to deal with prevention: to identify troubled borrowers, to educate them and if necessary, propose to restructure the debt. These measures have led to a decrease in bad debt from 7% to 1%. Financial Ombudsman Pavel Medvedev believes that in 2011 growth will not have late payments, will hold even more. Collectors will be easier, because the banks have started to appear good borrowers, and lending institutions themselves do not give money to anybody. With him somewhat disagreed Arthur A., ??foreseeing an increase in debt. In the future debt will be difficult, although in general terms, the amount will be reduced. This year, the average amount of credit amounted to 17,250 rubles., A significant portion of which are fines and penalties. Currently, collection companies grind the bill for debt collection. Its adoption is possible in 2011. "We have reason to expect that in the second quarter of 2011 of the bill to recover the arrears will be taken up by the government," - said a spokeswoman for the agency "Sequoia Credit Consolidation Irina Poddubnaya. If the process goes well, then work to collectors will be much easier, but without a job, they still will not go.