Now, mortgage payments have become for many not afford the. Begins during the struggle between creditors and borrowers. Embossing debts will of all. The only difference is that someone will pay the state, but someone has to remember the "dashing 90-s, when a debt is tough guys with baseball bats. Service becomes popular, and demand creates supply Repa remains in the waiting room. Sanych and Vagiz with me - forty years of sturdy child in a brown leather jacket and cap-vosmiugolke clearly gives subordinates instructions at the entrance to an office building in downtown Ekaterinburg. - Work quickly. At present two more applications. Quartet slowly up the stairs. At the door marked "Reception" Turnip unfolds slowly and deliberately crocked in old rags iron bat. Judging by the worn out the handle, uses it to her often ... Forty Krepysh Alexander calls himself a "collector", although the word he does not like. "Something like sewer," - he explains. Past 10 years, Alexander was a respectable businessman, engaged in sale of steel products. Even tried to become a deputy in a suburb of Yekaterinburg, but the electorate did not support his candidacy. Against Alexander played his turbulent past: in the early 90's he was tried for causing grievous bodily harm and attempted kidnapping. Spent a bit, then the case was closed and the convictions extinguished. But the residue still remained. In his native town remembers well on what exactly made the money first "respectable" businessman. Forget about it has not helped even membership card to United Russia. " Then there was the non-payment crisis. Nobody nobody did not give money voluntarily. That had to beat them - says Alexander. - It is not thought that fifteen years, these skills come in handy again. Eighteen months ago, Alexander's business stalled. Metal, which fed his last years, was no use to anyone. And some of the buyers suddenly refused to pay before the goods delivered. Everyone began to refer to the crisis, force majeure and other garbage. Had to use anti-crisis set. Anti-crisis set "- is Repa, Sanych and Vagiz. The emergence of these "ghosts" instantly sobered traders, most of whom started their business in the quiet "zero" and never faced a bleak people in tracksuits. A couple of weeks with Alexander paid off almost all of the debtors, and he decided to finally tie the trade and become a collector. How did we get into debt Vneuyutnoy skin debtor lately have been very many. It's not only businessmen who could not refinancing and pay for another shipment. In recent years, credit fever swept and consumers. Russian citizens gathered in the debt of almost 4 trillion rubles. That's a lot. That's almost half the annual income of the Russian budget. Held at all. On the right, and not much to it, without which they do, and that it is not needed. For apartments, new mobile phones, holidays in Turkey and the budget laptop. The head of the Duma Committee on Labor and Social Policy, Andrei Isayev told the PP, their calculations: "Loans have about 60 million Russians - almost half the population. Although, because someone and took a few. We were confident in the future and too trusting . It is not very carefully read the loan agreements. While the fact that the bankers - not altruists, and could guess. Sometimes we are even trying to impress. " Banks are cunning and always will cheat when given loans, talks about the obvious things that we have heard many times before, but did not pay attention to them, the director antikollektorskogo Agency (during the crisis emerged, and such) Only Way Dmitry Polukarov. - You sign a dozen pages of small text. If all this is to print at least a size 12-meter, you get a whole novel. Read and understand every single line can not reasonably sane person, especially when leaving the store waiting for you unpaid for home theater. As a result, given the fine print interest account maintenance, additional terms, fines and penalties, the actual rate of the loan increased from the advertised 10-15% to 40 and even up to 150%. But many do not even notice until the economic situation was stable, wages were paid on time and mortgage payments were not too onerous. Everything has changed since then, when the layoffs and salary reductions. According to the Bank of Russia since the beginning of the year past-due payments on loans increased by 27%. In general, according to experts in the area about a quarter of credit risk. What makes the state until a certain moment, the state had hoped that the citizens themselves can solve their problems with the banks. But a couple of weeks ago, it became clear that they can not and need help. There are many ideas. Among those that are voiced, there are different - and adequate, and populist, and is clearly overdue. Seems adequate support for those who, because of job loss can not pay the mortgage. It is now the main goal of the state, and the choice of priority is clear: there is a big difference that you will be taken for overdue loan - DVD-player or an apartment. Mortgage loans in recent years have 800,000 families. Scheme to help last week announced Vladimir Putin. If you have a mortgage, but have lost their jobs, the state Agency for Housing Mortgage Lending (HMLA) done for the year to take these benefits for themselves. For this man should submit to the HMLA credit agreement and documents that indicate that he lost his job to downsizing. On this program, which will take effect on January 1, the budget allocated 200 billion rubles. Just do not think it's a freebie - the money paid for your state, still at some point have to return. But one year deferral of payments in any case, substantial support. That's just take this chance will not those who quit on their own, even if he signed such a statement under pressure from the administration of the company. Similar measures, by the way, are making and the governments of other countries. So, last week the UK government has agreed with the eight largest banks in the country (accounting for 70% of mortgage loans) on a special program for which deferment of payments will be made redundant, and even those who were not fired, but has lost much of their wages. And the postponement is granted for two years. More generous than ours ... Another possible measure to assist the debtor - the enactment of the bankruptcy of individuals. True, the Ministry of Economic Development is preparing its third year and must now submit to the government for the fourth version of the bill. It is assumed that a person who is unable to pay its debts may declare bankruptcy and negotiate with the bank on installment payments for five years without fear that the bailiffs will describe his belongings. Some Duma deputies, without waiting for the adoption of the law, trying to negotiate with bankers to restructure debts of those who took not only the mortgage, but also consumer credit. Measure is largely a populist because consumer loans often were taken not on essential goods and to buy new mobile phones, cars and furniture. However, the initiator of ideas, head of the Duma Committee on Labor and Social Policy, Andrei Isayev, does not think so: We propose that the banking community to sign a declaration in which bankers will refuse to collect debts, and interest on consumer loans to those who took a loan of up to 100 thousand rubles and now lost his job - told PP, MP. - This break will be given to the borrowers until they find work, with a maximum of one year. Of course, we can not impose a solution to banks, therefore, participate in the program should be voluntary. Many bankers agree on this? We have already begun consultations. There are a number of banks that are willing to sign our declaration. There are those who actively opposed. But this is wrong. As they are now able to knock out these loans? Spent only on legal fees. I'm not sure that the courts will now actively make decisions about the withdrawal of the people of the household stuff, which they borrowed. Yes, and then to disappear all these banks used vacuum cleaners, washing machines, TV sets? Would not they implement them yourself! Also let us remember and recall the bankers, as these loans were issued in some kind of shops: people do not even read the terms of the contract. And now, in difficult times, they are forced to pay more. How to collect debts Doubts Andrei Isayev that banks can knock out debt, is hardly justified. This is exactly what they do well. Actually, not at them, while the collection agencies. It is for them the banks sell the debt, which themselves do not expect to collect. Collection business is now thriving. Here are the methods used by debt collectors, with each day are becoming tougher. Because it is difficult to collect money from one who has them no or very little. In the course of going different ways. Calls began in late summer - says "PP" one of the problem debtors - Muscovite Pavel Medvedev. - I borrowed from the bank 230 thousand rubles, and for 4 months can not pay the loan. First eighteen months out of the bank phoned the girl. Then he began nazvanivat a young man. We talked on the phone, harassed each other nerves, sometimes when I realized that I had nothing to say, I was silent. This is his exasperated. During the last conversation he told me that the bank had sold my debt of a special organization, methods of work which is more efficacious. " It turned out to collectors, who began to call Paul in mid-November. However, phone calls not only to him, and even his father and mother. They talk a lot about my health and would recommend to keep them safe and still very much asked to give money. From day to day waiting for their arrival: they want to know me and my family closer. I have already received an SMS from the bank that to me should be to call a mobile team "to recover the debt." Unlikely to Pavel Medvedev will arrive people with iron bits, but what he has there is a lot of interesting meetings, confirm and collectors themselves. Working with customers is divided into three phases. We call them to himself, "soft", "hard" and "League" - says the Deputy Director General of the collection agency "RusBiznesAktiv Andrei Sorokin. - "Soft" - this is when customers call, and several times a week, read out the notification of overdue debts. If this fails, comes "hard" of 2-3 people who are in long conversations Personal strongly recommend to repay the debt, or persuade to do so your friends and acquaintances, if you "just proximity and insane people." Such visits sometimes heralded quite magnificently. For example, imagine that you come to the strong men in uniform and on their backs or on a chevron says "inspector", "Interior Ministry", "Control your own safety." Of course, the real service of the bailiffs or the police nothing they do not have, and all these "Bailiffs" - only the name of the Company, Ltd. and the company involved kollektorstvom. But this does not prevent them to glue on the door of your home paper for the arrest of the property, to try to seal an apartment or get inquiries neighbors. Similar means knocking debts version of "hard" border on violation of the law. If the client can withstand this onslaught, is locked in an apartment and does not react to the actions of collectors, it is necessary to pass the plan "Liga" - continues to Andrei Sorokin. - This means that it comes before the court. True, some of these cases, interest of ten. But these ten for their endurance will be rewarded: if it comes before the court, if competent lawyer, you can significantly save on mortgage payments. Most crippling debt terms sweep aside the court as illegal. Collection business is now growing at a fast pace. In the same Yekaterinburg officially operates more than 30 agencies that specialize in debt recovery. However, most of them denied that uses force. Dmitry Biktashev headed one of such agencies. His company works only with official debt, confirmed all necessary documents. Debtors they work exclusively in the courts, at least initiates the procedure. Room service - 25% of the amount returned by the debt. On the existence of "collectors with bats," I know perfectly well. But this is not our method - Dmitri explains. - The debtor is quite successful and can be affected by legal means. We, for example, 70 percent of the debt return. Market growth has created even such a thing as antikollektory. And many, like the head of the firm Only Way Polukarov Dmitry, started just with the fact that debt knocked out. Now we are also sometimes practice, but in exceptional cases, - says Dmitry. - Because I realized: come to the brink, when there is a threat to sit for extortion. But not gone out of business, and moved to other side. There still is no competition, and people call daily. We help everyone, sometimes a conversation the lawyer enough to threats and intimidation stopped. True, the guys with bats hardly talk will act, and in court for debts they did not go. Coming out of the regular reception, Repa slowly turns up the iron bit in rags, stares at the plate with gold initials of the company's director says with a smile and a frightened secretary: A beautiful plaque. At the grave would look good. He always says at the output - pretty smiles Alexander .- My school. This whim one hundred years. Acts smoothly on biznyukov at all times. Psychic attack is usually enough to handle the client is physically no longer needed. Well, perhaps that very, very frostbitten. Such a little, but still sometimes be found. The fate of the "very, very frostbitten" I did not ask. The less you know - sleep tight. Sanych'll pick right now for Botany (Botany - one of the districts of Ekaterinburg. - "PP"). Piston callback in the morning. Clients like the apartment so far - Alexander happily lights. - This clown thinks that no one never finds. But that does not happen. See the list? - He gave me a few printed sheets. - It's all his addresses, passwords, secret, home, cars and mistresses contacts. Good and smart people dispersed the sixth division, they now sell their information base at each corner. "Sixth Department" in the 90's called the Regional Directorate for Combating Organized Crime. Once they were detained Alexander. Now one of the former operatives are working successfully in its debt collection firm. About how much debt can knock it guys, Alexander prefers not to speak. But judging by the influx of clients who find it without any advertising, profits had an impressive ... At the entrance of the house at Botanica Turnip and Sanych spent about an hour. Sitting in the car, Sanych silently conveyed to Alexander package. He then safe. There was a third. Swears that during the two days will return the rest. Interested in Alexander, if he is not afraid that the debtors to the police, because his actions easily qualify as banal extortion, and the article in the UK still has not been canceled. Alexander suddenly gets angry: Extortion - is when, b ..., some Abramovich came to the Kremlin and said: "Give me money just like that, but I've got a crisis workers have nothing to eat, and they will go to the rally." That is, b ..., extortion. And we are helping the right people return to their own, someone else we do not need. And anyway, this one a clown, to which we went, must have more money to police rank. If the rite itself will go for their money, it can become "werewolves in epaulets", or whatever they call it. And so we help him, and he helps us. All within ... Recently, in Yekaterinburg, a police chiefs held a special press conference on the forthcoming next year's amnesty. Only in the Sverdlovsk region of freedom come out 13,000 prisoners. Many of them were convicted in the dashing 90-e "just for extortion, robbery and kidnapping. While officials talked about how they're going to adapt the ex-cons to a normal life, Alexander was thinking about how to expand your business. Have an idea to create something like a union or zakontachit with some existing ones. There has recently come to the hardworking Beloyarsk nuclear power plant. Their salaries are not paid for three months. All at the hands of a court decision on the recognition of duty and writs of execution to recover. Everyone should at 150,000. Bailiffs are not doing anything. Workers will help - Alexander pauses and adds: - Over half of the debt ...
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