Quite often, banking institutions engaged in issuing loans resort to the services of so-called collectors. We are talking about companies that repay debts from unscrupulous borrowers. There are many stories on the Internet about how such companies operate and what methods they resort to in the course of pressure on a client in order to make him pay.
However, this article will be about an agency that does not deal with such things. Its goals: helping borrowers to optimize their debt, counseling and other services (we will talk about them in more detail later).
And the article will review how the Phoenix collection agency works. Customer reviews of banks, a description on the company's website, as well as analysis of services - all this was used to create this review. You can read the results below.
Agency Feature
To begin with, we describe the history of this company and the prerequisites for its creation. It is no secret that the Phoenix collection agency (reviews can confirm this) was founded at the initiative of Tinkoff Credit Systems (TKS) in 2014. The reason, as explained in the financial institution itself, was the rise in the cost of services of other companies that are engaged in servicing “problem” debts.
As a result of this, the current organization is now engaged in a full debt collection cycle , serving borrowers who do not return the borrowed funds within their structure. This is convenient for the customers themselves, and much easier for the bank.
As indicated on the institution’s website, the agency’s team includes professionals of various specialties who work on a common goal - repayment of borrowed funds and restoration of loan portfolios.
In the financial services market, despite such a small age of the company, it is a full-fledged entity that successfully serves its “parent” organization - TKS Bank.
Types of services
The collection agency "Phoenix" (the reviews of which we are interested in in the framework of this article first of all) is primarily concerned with informing a person about the need to pay off a debt. This is done (in practice) by phone call and written notice to the address of the bank's client.
As the reviews describing the Phoenix collection agency show, clients received such notifications immediately after debt formation. In them, representatives of the agency asked to contact them at the contact specified in such instructions. Of course, if a person did not make contact on their own, the company employees were forced to contact him forcibly, literally bombarding him with calls.
This also reflects the reviews of debtors describing the Phoenix collection agency. True, they do not usually mention the fact that they themselves ignore the requests of collectors who have the legal right to demand a return of the debt (assigned by the bank).
Advice to debtors
In such cases, when a representative of the Phoenix collection agency makes contact with you, it is better to use the tips provided on the company’s website in the special section “Debtors”.
In particular, it states that if you really got a call from their office, this means that you have a loan debt that should be paid off. The following is a small instruction: according to its first paragraph, the main thing is not to avoid contact with agency staff. If the bank has assigned its right to claim them, it means that they have all the data on you as a client in the company. Therefore, it makes no sense to hide, not answer calls, ignore them. Most likely, you will find a way to contact in some other way.
It is also important to understand that debt itself will not disappear. Naturally, collectors do not have the right to use threats or in any way violate your rights - for this they have no competence.
On the other hand, if you really do not repay the loan, you have nowhere to go but to repay it. Otherwise, soon the receipt of threats from the Phoenix collection agency will cease (even if any), and the situation will go to court. There, of course, you will be awarded the obligation to repay the debt. It will be possible to collect it through ship executors, which suggests the possibility of forcibly seizing the object of pledge and other items to compensate for the debt on the loan. You must admit that such an outcome is not the best for both you and your family.
Payment and Contact
Therefore, we recommend that you fulfill the requirements only to the extent that it relates to the return of a given amount of funds. The reviews of Phoenix (collection agency, Moscow) show that it is best to conduct a dialogue with this company, to show its adequacy and willingness to return the funds. The only thing is that you need to explain exactly why you cannot do this right away.
If you do not hide, ignore their requests, and openly declare your readiness to cooperate, they will perceive you in a company in a completely different way. Then the appearance of the Phoenix collection agency in your story will, on the contrary, be a plus, since its representatives will help you optimize your debt as much as possible and return it as quickly as possible.
Moreover, if you are a bona fide borrower, the company may make concessions to you by agreeing to restructure the debt or change some conditions for its repayment. This is another advantage of a peaceful dialogue.
Debtors reviews
In fact, as the comments of people with experience in cooperation with the company show, each debtor acts differently. Someone prefers to really go to the “world” with collectors, explains the situation to them, promises to return the funds under certain conditions (for example, a couple of months after the salary) and receives some loyalty from the lender.
Another way is to ignore, hide, show aggression towards company employees. This option will certainly lead to the fact that a complaint is filed against the collection agency Phoenix LLC, where people describe their stories about rude employees, illegal ways of working, and so on. Most often, such appeals (and they come to the prosecutor's office and the police) do not give anything, because the agency operates within its powers. But the client, cursing with representatives, only spoils his nerves and loses precious time.
Therefore, reviews about the company are most often negative, because they are written by people who have already quarreled with this agency. At the same time, they could fix the situation and take the problem differently.
Work in a company
Since Phoenix is ​​a young structure, it is not surprising that a fairly large recruitment of personnel is carried out here . For young professionals, this is another opportunity to get an interesting place, gain valuable experience, and build a career.
We were not able to find the reviews of workers describing the Phoenix collection agency, apparently, the reason is the small age of the company. However, this is also a good indicator, since it indicates the absence of various scandals and known unpleasant stories associated with this company. Probably, there is no staff turnover, which is why there are simply no one to write reviews of former employees on - not so many people worked here.
Jobs
Despite the fact that the company is already working, a fairly wide selection of employees continues here. The most popular are two posts. This is a specialist for communication with customers “on the phone”, as well as a representative of the company “away”. In fact, both vacancies have similar characteristics and are very close in terms of recruitment. A person should be able to communicate with other people, formulate his point of view, convince. In the work of the collector, these skills are typical and necessary qualities.
Requirements
In addition to the qualities mentioned above, which are necessary for an employee of the Phoenix company (a collection agency, which we did not manage to find reviews of employees), you can also add a desire to earn money (it is not surprising that this is a necessary feature, because the collector has a percentage of the loan funds returned to it) ; stress resistance (also an obvious quality that people need to communicate with debtors); the ability to work a lot (everything is clear here, the work of the agency cannot be fully normalized).
conclusions
So, we presented to your attention the basic information regarding how the Phoenix agency works. Of course, the details of his discovery, some minor moments of the history of activity and many other interesting facts that could be mentioned would not have fit here.
Therefore, we just say that this is one of the new companies in the financial market controlled by TKS Bank. This means that he will transfer the debtors who do not pay money on loans to this agency in order to advise them and further optimize their debt. And, in order to simplify the situation, a person in debt to the bank should follow the advice of collectors and rebuild their debt in such a way as to pay off it as soon as possible.