Home money tired of calls that. What should a debtor do if Home Money is threatened. Resonant cases with collectors Money for the House

When applying for a microloan at MFI Home Money, borrowers indicate in the loan application the period within which they can pay it off, not taking into account possible force majeure and other circumstances that could worsen their financial situation. What awaits the borrower in case of non-repayment of debt in Home Money? What actions to expect from collectors and how to deal with them?

Who are home money collectors and what do they do?

In fact, Home Money does not have its own collection agency, such as Alfa-Bank. But the collection and extortion system is no worse than that of an average collection agency. In the first 1-1.5 years of delay, the MFI tries to knock out the debt from the borrower through its own security service.

If the measures taken by the Security Council do not work and the borrower does not repay the debt, Home Money either sells the microloan to collection agencies or sues the borrower (1 case out of 50).

Collectors "Home Money" is an MFI security service that is engaged in a comprehensive check of potential and existing clients for the fact of fraud, and, if necessary, "knocks out" debts by various methods, often illegal. If you receive a call from collectors, we recommend that you check the availability of this collection agency in the FSSP database. If not, collectors are acting illegally.

How does Home Money security work? Borrower reviews

For the borrowers of this microfinance organization, it has long been no secret that 80% of ordinary employees (personal managers) are not distinguished by adequacy, good manners and goodwill, not to mention the security service.

In case of delay, the weekly visits of the personal manager (aka the fee collector) turn into daily ones, and the mobile phone does not stop day or night. This continues for the first 3 months after the weekly payment is late.

Needless to say, when a personal manager comes home to a borrower-debtor, he tries in every possible way to humiliate him, calls him a fraudster, threatens the Criminal Code of the Russian Federation, etc. An MFI employee does not hesitate to even walk around the neighbors and tell everyone that Vasya Pupkin from apartment 9 is an ardent defaulter, swindler and debtor.

The pressure does not stop in social networks: VKontakte, Odnoklassniki, Facebook. If the Security Service was lucky enough to find the personal page of the debtor, then all his friends will receive daily messages that the debtor is wanted - Vasya Pupkin, who is a scammer, deceiver, scoundrel, etc.

After about 1-2 months of unsuccessful reproaches, threats, conversations and screams, the same manager arrives at the place of residence of the borrower in the company of 3-4 pumped-up guys. It is noteworthy that the brave guys stand quietly on the sidelines, not taking any action, while the manager is diligently trying to put pressure on the conscience / pity of the borrower.

If the intimidating appearance of sports guys does not bring results, the next time they are talking to the borrower. No, they don’t let go of their hands, to beat - they don’t beat anyone, but they threaten, remembering the family.

The Home Money Company doesn't stoop to physical assault (as far as we know), but even if talking to jocks doesn't work, they go back to hourly calls. And about the 6th month, a “good guy” calls, introduces himself as the head of the security service for such and such a region and calmly asks what the problem is, why there are no payments, etc.

Here the borrower begins to tell him his tearful story, and the uncle offers to cut off part of the debt (20-30%) by paying the entire amount within a few days. At this stage of collection, about 20-25% of borrowers return their debts in the hope of saving at least something, because they still have to pay.

If the persuasion of the head of the Security Service does not help, "heavy artillery" is used - a mass mailing of impartial letters to all mailboxes of the entrance in which the debtor lives. These letters contain a photograph of the borrower taken from passport data or social networks, indicate his personal data and address of residence, it is written that he is a debtor and a fraudster.

It is worth remembering that the methods and procedure for the described actions may vary depending on the region of residence of the borrower. Each city has its own managers, and in different regions - the Security Council, which has its own understanding of how to collect a debt, and it is necessary to collect it, because without this they will not receive anything. In any case, the borrower can leave a complaint about the actions of the MFI employee in the main debt collection department "Home Money" at 8800-555-72-49. The call will be free from all mobile and stationary devices throughout Russia.

Of course, all their actions are illegal and can be prosecuted, but not every borrower can and wants to write to the prosecutor's office, the police, etc. Not only borrowers, but also employees of this MFI replenish the piggy bank of negative reviews about DD.

Which collection agency collects DD debts?

For about 7-8 months, calls become less and less frequent, the manager no longer visits, no threatening SMS is received. If no response is made to the security measures of the MFIs and their personal managers, after about 1 year the debt of the borrower is sold to a collection agency under an assignment agreement (assignment of claims) or an agency agreement (temporary assignment).

A collection agency is an organization that specializes in out-of-court collection of overdue and bad debts, and also facilitates the production of payments from borrowers.

Most often, Home Money sells or transfers its borrowers' debts to collection agencies such as FASP, Capital Collections, and Sequoia Credit. It is noteworthy that Sequoia and DD are subsidiaries of the same financial group Adela Financial Retail Group.

Both collection agencies do not take any effective measures to collect the debt, except for daily calls with persuasion, threats and weekly letters from the head office in Moscow. However, this applies to peripheral cities. In those regions where there is an office or subdivision of collectors, about 1 time in 2-3 months they come to the place of residence of the borrower.

How to deal with home money collectors? What to do if they receive threats?

The borrower doesn't have much choice:

Repay the loan in full and demand a certificate from the personal manager, which will indicate that the borrower (full name) has paid his debt in full and the Home Money company has no claims against him.
Endure all the threats, visits and bullying and hope that DD will sell the debt to collectors, and those will not go to court 99%, which means the statute of limitations will come and forgive the debt!
Tough but wise answer. If the borrower has no way to repay the debt, then it is easier to change the phone number or install the "Anti-collector" application. If the collectors of the MFO "Home Money" start to get relatives, acquaintances, neighbors or the employer, immediately write a statement based on Article 23 of the Constitution of the Russian Federation. If the security service or directly the personal manager will distribute leaflets with a photo and data of the debtor, you can write a statement under Art. 137 of the Criminal Code of the Russian Federation with a real term of punishment.

Talking to a manager or anyone about your debt is useless. For all presentations, it is better to send collectors and the Security Council to court. A possible lawsuit will even benefit the borrower, because you can significantly reduce the accrued percentage of overpayment.

Here's how to talk to collectors

Conclusion

Collectors of the MFO "Home Money" (the company's security service) often go beyond what is permitted, violating not only the Civil Code and the Constitution of the Russian Federation, their actions often fall under the Criminal Code of the Russian Federation. This cannot but upset, because Home Money is the leader in the microcredit segment, and 27% of all MFI borrowers get their money in debt here.

Based on the sheer lawlessness that the employees of this company are doing. On the fact of threats of physical violence to borrowers and their relatives, extortion, unauthorized distribution of personal data to third parties, hooliganism and damage to property.

And in order to avoid such garbage, it is necessary to nationalize the banks: ONLY the state should produce money. It is necessary to cancel the fucking cash, strictly non-cash and white salaries.

DO NOT issue consumer loans that cannot be repaid (it is clear that a person who, after taking a loan, does not have money left less than the subsistence level, will NOT be able to repay it), it is mandatory to insure the loan against the loss of the borrower's job. And private insurance, too, fuck it, strictly state.

Bottom line: anyone can get loans for themselves, the main thing is to do it somewhere in a rented apartment, and not give it back.

Home money does not go to court, and no one will catch you, because there are no tools.
Have questions - ask)

In response to the fact that such people do not live here, the voice is either satisfied, or thoughtfully, or grunted, or grunted and hung up. Not the voice of course, but its owner.

Later it turned out that the voice belonged to one of the managers of the collection agency (or whatever these bandits are formally called, I don’t know), who apparently did a control check before adding our phone number to the “black list” for “Robert” - the main specialist to finish off persistent non-payers with the help of constant telephone reminders.

I think smart people all of the above is enough to draw the right conclusions.

Home Money

“Home money” works on the principle of companies issuing loans without income certificates.

That is, to apply for a loan, you only need a passport.

In order to get a loan, you need to fill out an application on the official website of the company, and wait for a call from home money employees. After that, you only have to discuss the place and time of the meeting, and wait for the representatives of the "Home Money".

I took a loan more than once in Home Money! If it was not possible to pay on time, she immediately called the hotline and warned.

Loan "Home money": conditions and customer reviews

The next day, money arrives on your bank credit card.

To get a loan, you only need a passport and a copy of the main pages.

No need to go to the bank - he comes to you.

Very high percentages. For example, when applying for a loan for a year in the amount of 25 thousand rubles, in the end result we overpay 100% of the amount.
It is hard enough to trust an organization that works remotely with a single central office address.

MFI Home money extortion, threats

Complaint against Home Money LLC on the fact of threats of physical harm to me and my relatives, extortion, unauthorized distribution of my personal data to third parties, hooligan actions and damage to property. I was a client of Home Money LLC, contract No. 03 ... .6.

I took out three loans, the first two were repaid without delay. I repaid the third loan (50,000 rubles) without delay for three months.

Loan settlements

Home Money is the largest company in the segment of microloans to individuals. According to the rating agency Expert RA, its loan portfolio by the end of 2014 reached 4.6 billion rubles.

Home Money specializes in issuing short-term loans up to 50 thousand rubles.

rubles for a period of up to a year and three months at a total loan cost of 200% per annum. Established in 2007, the company broke even in 2013 and even placed bonds on the Moscow Stock Exchange.

What should a debtor do if "Home Money" threatens

The MCC reserves the right to call, send letters, SMS messages and meet with the debtor in order to return the overdue debt. You should be aware that when transferring debt to third parties, the company is obliged to notify the debtor in writing.

MCC "Home Money" does not have its own collection service. The security department of the company is responsible for the return of overdue debts. First, the creditor tries to return the money on his own, and then transfers the debt to third parties or files a lawsuit with the court.

05/18/16 I again received a call from the number +73232260845 and the girl told me that if I did not pay the debt of 10,000, I could pick up my work book tomorrow and quit because they would give me a not sweet life at work, disgrace to the fullest I wrote two letters to Home Money LLC with a demand to stop hooligan actions, threats to my relatives and employer and to consider debt claims in court.

When applying for a microloan online in one of the companies, we choose the period within which we can definitely repay the debt. However, there are all sorts of situations in life, and sometimes the timely repayment of a debt can become a serious problem. What can the borrower hope for in this case?
What to expect from lenders, and what actions can they take? An instructive article on step-by-step debt collection of popular services for issuing online and offline loans. This article is written on the basis of personal collection experience and information from the Internet. It is by no means an instruction for action and advice on non-payment of microloans.

The site administration considers that debts have to be paid. For in the end, the money will still be collected from you through the court or a collection agency. The nerves spent talking to collectors and constant swearing will eventually affect your health. You spend more money on medicines than pay off the loan.

How an MFI collects debt Home money

As the borrowers of this microfinance organization know, personal managers come to the borrower's house every week on the appointed day for the next payment. Also, many borrowers know that managers do not have good manners towards debtors, so you should not expect mercy from Home Money.

Weekly visits turn into daily visits and the phone keeps ringing. Threatening SMSes are not sent, however, after a couple of months of unsuccessful debt collection, the same manager may come to visit, but not alone. A few brave guys of a sports type, designed to intimidate the debtor, will quietly stand aside on the first visit. Next time, they will be the ones to talk. No, they won't beat you, but threats will fall like from a cornucopia.
See also: Deferral of loan repayment. How to get a?
Another favorite method of the company is the mass mailing of unflattering letters to all PO boxes in your home. A standard sheet of paper with your data (full name), stories about what a terrible defaulter and scammer you are.

After six months of unsuccessful collection, the head of the security service of the Home Money company will try to contact the borrower. Conversation in low tones, requests for repayment of a debt, several references to Article 159 of the Criminal Code of the Russian Federation “Fraud”. If you do not return the debt within a year, it is sold to collectors (if possible), they do not go to court.

The way out is either to pay the loan, or change the phone number and read those who are trying to knock out the debt.

Foreclosure in Moneyman and eCabbage

Services for issuing online loans. First, they pester them with SMS at any time of the day, they constantly send letters to the email box. Then the calls start. They talk quite decently, there are no obvious threats to life, but they also mention criminal liability for fraud.

Yekapusta sends text messages threatening that the security service will soon leave the borrower's place of residence in order to collect a debt from him. However, this is just empty chatter, no one comes.

Regarding the debt in Moneyman, the security service of some bank calls, since the MFI is their subsidiary.

If you do not answer calls within 6-12 months, they stop calling and writing. Maybe soon Moneyman takes a step negotiate with the debtor with a discount on accrued interest. Before the New Year, they can send a letter with a proposal to pay off the entire debt at a discount of 30-40-50%. A tempting offer. If you do not return, you will be left behind. Letters are not sent to the post office, but the email box is filled up. They don't sue, they don't come home.

Recovery in SMS Finance

It also lends to the population online. First, he fills up with sms with requests to repay the debt, then they turn to threats. For example, they write that a criminal case has been opened against you under Art. 159 of the Criminal Code of the Russian Federation, or you are under the supervision of law enforcement agencies, suspected of fraud. In general, any nonsense.

Like everyone else, they call from unknown numbers several times a day. After 2-4 months of unsuccessful recovery, they lag behind, but only for a while. About a year later, you are remembered again, and everything starts anew.

A distinctive feature of this service is the content of SMS from the security service. For example, one of our readers claims to have received a message from SMS Finance with the following content:

“Hello, my name is Petrov Petr Petrovich, I am a bailiff in your area. Please pay off the debt or expect my visit on December 27, 2014 at the place of registration, at 19.00. We will seize your property

They don’t sue, they don’t sell the debt, they simply write it off.

The way out is to change the phone number.

How does Vivus refund money?

Like everyone else, they pester with calls. However, the only ones of all immediately offer to repay the debt on individual terms. They have a specially developed program for repayment of bad debts, by the way, quite profitable. If you do not agree to it or simply do not pick up the phone, they start calling the contact numbers of trusted persons that you left when filling out the questionnaire. They call about 1-2 times a week, after six months they give up this business and forget about you.

Accordingly, they do not sue, the debt is not sold.

The way out is to change your phone number and trusted person.

Useful on the topic

Legal advice:

1. A letter came from Home Money, an agreement since 2013. Initially, she paid and then she was left without work, and until today, almost 7 years have passed without work ..

1.1. What is the content of the letter? What is written there? You do not need to answer it, it is necessary that they go to court where you can apply the statute of limitations.