"National collection service" - what is it? The question in this wording can only be asked by a respectable business executive or borrower who repays his debts on time.
Professional collection of receivables, meaning outsourcing, is emerging in the field of non-payments. The collection company bearing this name is faced by legal entities and individuals who generate accounts receivable. Who are they, “wards” of the legal entity we are considering, realizing the right of demand? The contingent is motley: from respectable citizens or companies to scammers who are clearly hiding from creditors.
Often the theme of the fight against collection is raised. Is this reasonable? Collection organizations, the purpose of which is repayment of receivables, is in all developed countries. Their activities are regulated by laws. (Further we will review the legal organization of collection in the USA, Britain, France). Fight should not be with collection, but with cases of violation by individual collectors of legal norms.
Domestic collection kitchen
The collection activity itself is carried out by the company in two directions.
The first is the agent scheme, under which NSV (“National Collection Service”), guided by Article 52 of the Civil Code of Russia, receives from the principal a register of contractual debtors. Further, in carrying out work on debt repayment by debtors, the collection company acting in this case as an agent receives from the principal its agent remuneration, which in the Russian collection market makes up from 20 to 25% of the amount of accounts receivable repaid. However, the agent scheme, based on the all-Russian experience, provides about 20% of the revenues of collection enterprises.
The main direction in which "NSV" ("National collection service") works is the repayment of debts.
Currently, commercial banks and other collector partners are willing to make such a deal. Thus, first of all, having freed themselves from the “headache” about overdue receivables, they are able to concentrate their personnel and financial resources on the core business to a greater extent. Secondly, at the same time, the financial condition of banks automatically improves, their market price increases when selling a business.
Banks sell their debt to collectors in portfolios, i.e., several thousand people in registers of debtors. The legal basis for this is the line in the contract with the client, giving the right to the bank to transfer the debt for collection to third parties. Portfolios are usually thematic. For example, card loans, unsecured loans, mortgage loans, mortgages. Collection agencies buy these packages for a certain percentage (price). Currently, the price of such a package is from 0.5 to 2% of the total amount of receivables.
The value in the pricing of the package is the term of the debt. After all, if collectors manage to pay off recent debts by 60–80%, sometimes with overdue debts they fail to collect even 5%.
Thus, the registers of debtors get to the collectors, the phone rings from the debtors, and a polite voice appears: “National collection service ...” “What is it?” - in turn, the debtor asks. Through persuasion and negotiation, he patiently leads to the right decision - to pay off the debt.
It should be noted that a person should not “run” his debt until it is paid off at the collection stage. To do this, you should contact the bank in time with a request for debt restructuring, deferred payments. In a word, there is no need to let the situation go by its own accord.
If "everything is so started" that the conversation with the collector took place, we recommend using a phone with a caller ID and a voice recorder. You can also request from a collection agency that you send a bank agency agreement and a copy of the agency's power of attorney by mail. Demand that the collector, of course, introduce himself and voice the name of the collection agency for which he works.
It is fundamentally a balance of interests. If the collector meets you in terms of your own preparation of a debt repayment schedule, then this is the right approach. A good citizen should not be flaunted by the absence of a law on collection activities and “go into denial.” There is a draft law, do not forget about it.
Another thing is if you feel moral pressure. By law, collectors do not have the right to inform loved ones, colleagues about your duty, call them, break into your house. The horror story about the application of Art. 159 of the Criminal Code, defining liability for fraud, if you have made at least one planned payment. Do not “get fooled” by Art. 177 - "malicious evasion", it is used quite rarely. If you are taken too zealously, talk to the collectors through a lawyer.
Now consider the same situation on the reverse side. How to adequately conduct a conversation with the debtor to the collector - there is no single recipe. However, there is a general recommendation: an experienced collector must conduct a conversation with a client so that he takes him seriously. As a rule, employees work better with individuals - former district police officers.
What does the General Director of NSV Arthur Alexandrovich see as a typical debtor? This is a person who has loaned 50 thousand rubles, who came up with a "bright idea" to accept a loan as a gift. Therefore, he leaves Moscow, having settled one and a half kilometers from it, without even thinking of paying. At the same time, the debtor thinks that “no one sees him”.
Federal level of collection companies
According to statistics, today more than 80% of banking institutions in Russia outsource their debt to loan companies to collection companies. Clients of the collectors are also debtors of housing and communal services, and their debt for 2013, according to the Russian Ministry of Regional Development, amounted to no less than 736 billion rubles. Mobile operators on fraudulent customers also collaborate with collectors on a massive scale (realizing the profitability of such outsourcing).
The scale of this type of activity is evidenced, for example, by the fact that LLC NSV (the National Collection Service) carries out collection activities in 83 regions of Russia, becoming, in fact, a company at the federal level.
Payment Discipline and Collection
The objective reality is that in a crisis, a business that arose in “good times” as doping, artificial, begins to fall, accumulating accounts receivable. On the other hand, individuals who have assumed overwhelming financial liabilities for loans, also can not service their repayment. The receivables generated by them appear as peculiar blood clots in the financial system. Repayment of it improves the economy. Therefore, the collection activity that forms the payment discipline is objectively needed by society. When a person or company ceases to make contractual payments, collectors meet with them and explain why they should pay.
Civilized collection services market
Why is the authority of partners of the National Collection Service? What is a professional code of collection ethics? The company entered into the rules subsequent control over the activities of its employees - collectors. The discipline of observing the rights of debtors is achieved through in-house special training and briefing, and in some cases (a clear violation), through a tough response by the NSV administration. In addition, on the website of the collection company itself, these same debtors are explained their rights in relations with collectors. In addition, there is a “hot line” of the Collectors Association, which the debtor can call and complain about unprofessional actions of the collector who committed the violation.
Customer Ethics
The company’s management persistently and systematically enforces and implements internal work rules that guide the “National Recovery Service”. Feedback from former debtors really testifies to this.
In particular, there is a regulation when you can call the debtor (from 8.00 to 21.00), and he is not violated. An employee of the company, always introducing himself to the interlocutor, provides him with the official telephone number of the collection company. Telephone conversations with a debtor are made no more than once every 2-3 days. The main work of the NSV employee comes down to sorting out the situation of the person who created the debt, understanding when he will receive the money, and planning payments together with him, and, of course, monitoring their implementation.
The main argument of the collectors is a significant increase for the debtor of costs in the event of transfer of his debt to the judicial plane. So, quite openly conducts its daily activities for the collection of receivables "National collection service." Her phone (+7 (495) 363-13-30) is always available to customers if they have questions or suggestions on how to repay the debt.
There are also situations of principal disagreement of the debtor with the creditor about the contractual amount of the debt. In this case, the collector becomes an intermediary helping to establish the truth.
The need for legislative regulation of collection
Is the absence of the word “collector” in the legislation itself a paradox? And this is in the market, where more than a thousand collection companies operate, coordinated by NAPCA (national association of professional collection agencies)?
A logical question arises about the appropriateness of such theoretical disputes and the artificial delay of legislative regulation at a time when the collection market is growing one and a half times every year. Perhaps it is worth listening to the remark made by journalists by the Minister of Justice of the Russian Federation Konovalov at the II St. Petersburg Legal Forum on the critical delay of a regulatory legal act that impedes the withdrawal of collection activity into “unknown, opaque and uncontrolled segments”.
Why "NSV" is waiting for the legislative regulation of the collection market
The abundance of collection companies, along with the lack of state regulation, leads various, including unscrupulous entrepreneurs, into the business. After communicating with them and familiarizing themselves with their working methods, debtors are forced to turn to the prosecutor with complaints of extortion and coercion to fulfill a civil contract.
The problem of legislative regulation of collection
The well-known "long-term construction" is the draft law "On Collection Activities." It was planned to discuss it at the government level in May 2012, but it has already become a tradition to send this "inconvenient" bill for revision. The problem is that at the time when the Higher Administrative Court recognizes the draft as complying with civil law, the Prosecutor General and the Federal Service for Supervision of Consumer Rights Protection and Human Rights consider it illegal to transfer the rights of claim without the consent of the debtor. At the same time, “sovereign husbands” do not bother to take as a basis the “home-cleaning practice” of the work of the most successful collection companies in Russia, such as LLC “NSV” (“National Recovery Service”).
The company's lawyers are actively involved in the preparation of the law, because a completely transparent business is the key to its continued prosperity. Currently, the collection market in Russia is difficult, but is entering the phase of legal regulation.
For example, the issue of insurance of professional activity of collectors, as well as licensing of technical protection of confidential information, has moved forward. This once again confirms the fact that the Russian economy is no longer transitional, gaining traits of stability. It is in this area that NSV LLC (the National Collection Service) works to repay loans, housing and communal services debts, and repay accounts receivable from legal entities. Moreover, this company takes legislative and organizational initiative, organizes wide professional cooperation with various subjects of the Russian market.
History: company integration into the national economy
The company was established with the participation of foreign capital on August 31, 2005. The registrar is the Moscow Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow. Then it was called the Bailiff Debt Agency. Now LLC “NSV” can be called the leader of the Russian market, managing receivables at its various stages: before the court, in the process of judicial review, as well as at the executive stage. The fact that the company is closely integrated into the national economic complex is confirmed by its membership in the ARB (Association of Russian Banks) and its constituent function in the professional association of collectors NAPKA. By the way, the initiative to create such an association belongs to the NSV leadership.
The Russian leader in the collection market also works with receivables abroad. This is facilitated by the membership of the National Collection Service LLC in the international associations CSA, ACA International, GCS, FENCA.
Company strategic goals
Obviously, a company that does not set really great strategic goals, cannot objectively achieve the federal level in its development. NSV has such goals. They are clearly formulated on the official website of the company:
- Professionally working in auto-sourcing with receivables, constantly achieve greater efficiency than specialized departments of financial institutions;
- The “National collection service” (of debts), by its efficiency, encourages legal entities themselves that have accounts receivable to turn to it for outsourcing;
- NSV managers are constantly monitored by internal financial indicators: a decrease in overdue debt taken for outsourcing and, accordingly, an increase in the profitability of collection work.
The manual defines the working method
The Chairman of the Board of Directors of NSV David Jones has not only degrees in the field of finance and the US economy, but also a track record of leadership in the field of energy and media, private foundations, investment companies both in the USA and in Russia. General Director Arthur Aleksandrovich has experience in lawmaking, membership in the board of a commercial bank, and retail banking in Europe. These managers are committed to the most advanced and civilized working methods.
The above-mentioned top managers conduct effective management of the National Collection Service. What is it - the services of this collection company provided by it to its partners? This is a multi-step process.
First, the company helps determine whether an individual or legal entity is suitable for the role of a borrower. The NSV specialists, using the established methodology, verify the person who wants to get a loan and monitor its reliability and solvency.
In the framework of pre-trial debt collection, debtors are informed via SMS, meetings with them, telephone conversations.
At the stage of judicial review of the debt, “NSV” prepares documents for him, provides escort, receives a ship's certificate in his hands.
In enforcement proceedings, the company also pursues its goals in the legal field, while assisting the bailiffs in their work.
Employee Reviews
An increasingly effective financial intermediary that eliminates accounts receivable is the National Collection Service, employee reviews indicate this. We have analyzed them in order to present this company to you as fully as possible. In this case, of course, it was taken into account that hardly any society is sympathetic to the work of collectors. However, an objective approach is still important. On the one hand, the employees of the company as a whole are satisfied with their salaries and staff. They pay tribute to in-house training. Many have significantly improved their knowledge of the civil and criminal codes.
However, it is recognized that the character and inner core are important for the NSV employee. It doesn’t matter where he works: “National Recovery Service”, Moscow or another regional unit - motivation and calm are important, because this work is not for the weak.
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Even former debtors acknowledge the transparency and predictability of the work demonstrated by the National Collection Service. The official website of the organization (nrservice.ru) contains information useful for debtors who repay their receivables in cooperation with NSV.
In particular, here they can find recommendations on what to do if they received a notification SMS from the company, what actions should be taken after the collector calls, what are the key points to pay attention to when meeting with him personally. A face-to-face discussion opportunity is also provided with the collector on debt repayment procedures.
Agree that only in the mutual understanding of the collector and the debtor the process of repayment of receivables occurs optimally. Therefore, the question: "How to deal with the" NSV "?" - unpromising. Rather, the debtor should cooperate with this company.
Output
According to what scheme will the collection market of Russia develop in the future? This issue concerns not only the NSV leadership. After all, there are several scenarios for its development. American suggests strict regulation by law of all the nuances of collection work. Germany does not use the term “collection” at all, replacing it with “financial intermediation”, presenting it with German scrupulousness in the civil code. According to Arthur Aleksandrovich, the pan-European version, enshrined in the documents of the European Collector Federation, is more suitable for Russia.