“Phoenix” is a collection agency, reviews of which from victims are most often negative. It was created at the initiative of Tinkoff Bank. Despite the fact that the organization is registered as a separate legal entity, everyone knows that it works exclusively with the clients of this bank.
What is Phoenix for?
The position of the organization officially looks very noble: they position themselves as a service that is designed to get in touch with debtors and help them pay off debt using various methods of influence.
But in fact, like any organization in this field, the Phoenix collection agency (reviews of St. Petersburg and the MSC about which are not always hospitable) does not disdain various indecent methods of influencing debtors.
History of LLC
On September 17, 2016, Oliver Hughes (Chairman of the Board of TCS Bank) reported that as of August 2014, the bank's delay in retail loans amounted to almost 13%.
For this reason, the Phoenix collection agency of its own was created on the basis of Tinkoff (reviews of whose work will soon spoil initially the opinion of the noble purpose of its creation). Technically, the agency was created by a completely separate organization, officially it was registered as an independent legal entity. But formally, “Phoenix” entered the TCS group and is deservedly perceived as one of its units.
Agency goal
At first glance, the goal of creating this organization was very generous: to help debtors find a real way out of debt problems and develop an optimal scheme for debt repayment for both parties.
Phoenix, a collection agency whose reviews will soon debunk the initially created positive image, was supposed to work with debtors whose monthly payment delay exceeded 180 days. The main
objective of the work of an employee of such an organization is to not bring the matter to court and do everything possible so that the client pays his debt.
Phoenix LLC is a collection agency (it’s very difficult to find feedback from employees who actually worked there about the activities of this company) at first it planned to recruit only 10-15 people who used to work in TCS and knew the structure of the bank from the inside. It was also announced that this collection company in the next few years will lead only debtors of Tinkoff Bank and not deal with clients of other organizations.
Officially announced principles of work and advice to debtors
A special section “For Debtors” has been created on the official Phoenix website, which explains how it works. The first thing that catches your eye and causes some bewilderment by a simple layman is the statement that if employees of this organization try to contact a person, that means he has an outstanding debt to one of the Phoenix clients. The phrase “in front of one of our customers” is not entirely clear, as it was previously announced that this organization will have only one client - Tinkoff Bank.
Agency employees advise debtors not to hide from them and not to avoid contact. After all, as they argue, their main task is to help. They promise to find for the person the most suitable options for paying off debt and to choose alternative solutions to the current problem.
Further, “Phoenix” is a collection agency, reviews about which you can find far from the most pleasant, voices the options for communicating with your customers:
- writing letters to the mailing address;
- phone calls;
- sending SMS with a reminder of duty.
On its official website, the company declares that an exit group can go to the debtors, which has extensive experience in refunding money and has in its arsenal a huge amount of knowledge on how to make a person return money. “Phoenix” is a collection agency, the feedback on the work of which the victims of its employees often leave far from positive, uses not only acceptable and harmless methods to return the money.
What do the victims of the agency complain about
Fortunately, today you can share your experience on various information resources, which those who had the honor to communicate with employees of this company are happy to do. The Phoenix collection agency (the testimonials of victims about the work of which makes a thinking person understand that the purpose of its creation is solely to knock out money from debtors in any way, and not to help those who really cannot for the personal reasons pay off the debt) uses various tricks to his work. For example, calls to urgently pay off a debt can be received not only by the debtor himself, but also by his acquaintances, relatives, friends, colleagues, in general, everyone whose contact or alternative numbers have ever been provided to Tinkoff Bank. At the same time, calling will not be easy in order to ask where the debtor is now, or for what reason he does not pay. Calls will come with specific requirements: to help a bank customer pay off a loan, lend him money, or, in general, pay a debt in his place.
Appeal to the debtor is not limited to calls, letters and SMS. There are complaints on the network that Phoenix employees can come to their residence address, outline the debtor’s entrance with offensive inscriptions, and put on display to all neighbors the information in which apartment the one who owes money to Tinkoff Bank lives and how much it owes. With such paintings, they can mutilate elevators, front doors and porch walls.
Such actions can be assessed as hooliganism and damage to public property, it is not worth saying that this is a direct disclosure of
bank secrecy. At the same time, one can imagine in what moral condition a person is, whose financial problems become the subject of observation of all neighbors. But this is precisely what the work of Phoenix is aimed at: breaking the debtor morally, letting him know that he will not be left alone and a person will not have life until he repays his debt.
Position "Tinkoff" to the work of "Phoenix"
The existence of such firms was originally based on the fact that the bank, which could not regain the issued loan, sold it to collectors. Collection firms paid the bank only about 10% of the total debt, and took the rest of the “knocked out” from the debtor to themselves. Tinkoff considered that 10% is a very small amount, and therefore decided to create his own company, which will deal with such problems. Moreover, Phoenix is registered as a completely separate legal entity, and when the affected customers turn to Tinkoff with complaints about the work of collectors, they may hear that their debt has been sold to Phoenix and the bank has nothing to do with the work of collector employees.
Which side is the truth on?
Work in the collection agency "Phoenix", which is difficult to find reviews on the network, will require high stress resistance from the person. The employees of the call center of this organization in various forums speak out in a very unflattering way.
They are called "not very smart", unprincipled and not "clouded" by a special intellect. This is due to the fact that they are forced to conduct a conversation strictly according to the script and do not have the right to deviate from the scheme approved by the leadership. Of course, it is clear that people who have financial problems are unlikely to speak favorably of those who require to pay off debts. On the other hand, before deciding to work as a collector, you need to understand very well what this work implies.