Consider one example. The borrower's wife is calling an unknown. The first phrase she hears in the receiver: "Do you know such a person (the name of the credited sounds)?" This is followed by various clarifying questions about who the borrower is for the person who answered the call. If you find yourself in a similar situation, you should know that you were indicated as the contact person in the loan agreement. How can this threaten you? What does it mean? Does the contact person expect any liability to the bank and the law as a whole? Let's get it right.
Why do I need contact information?
When a person comes to fill out a loan agreement, he needs to indicate two numbers. In addition, you need to sign them, indicating the name, surname and patronymic. Very often, relatives are used as contact persons. The reason for this is very simple. A person wants to not be denied a loan. If the contact person has the same last name, then there is already a better chance of approving the loan application.
If there is a second person (although usually only one is phoned in case of something), then the chances increase many times. This is what drives people to enter their close friends. Even when they are fundamentally against this loan. In general, for the most part, loans are evil. And then many people do not return them. And here the question is posed: what should a person who is included in this agreement do?
What should the contact person be?
There are two points of view: banking and legal. Let's look at each of them:
- The Bank sees the responsibilities of the person who has been identified as the contact person. You must tell him about whether you know this person, whether he really lives at this address, and also who you belong to him. If he suddenly disappears and stops paying a loan, then you should listen to all the calls from the collectors, and preferably, repay the debt. That is, the bank believes that you should share the responsibility of the borrower.
- Legal is more truthful. Collectors and sometimes the bank often play on the edge of the law. They know how to do it. Therefore, all available methods of pressure on a person are used, which at least somehow can be submitted as legal. How this is done will be discussed further. It is important for you to understand that the contact person has never had anything and never should. After all, this person did not sign anything on his own. If the contact person was entered into the contract by third parties, this means absolutely nothing.
So you need to adhere to a legal point of view, if you got into this contract on such grounds. You are not a surety. Therefore, no sanctions in case of non-payment of the debt by the person who entered you cannot be applied to you. But psychological pressure can be used as one of the methods to entice debt.
Overdue pressure: how is it produced?
Pressure from the collectors is not only on contact persons, but also on other friends of the borrower. For example, neighbors may find themselves under the distribution, whose home telephone number is quite easy to find. But they resort to this only later. From the very beginning, they have been terrorizing their contacts and preventing them from living in peace. How is this done? First of all, they put pressure on fear and ignorance of the law. The scheme is approximately as follows:
- A person from a bank or collection agency calls you and says that such and such a person has debts. Be sure to use the word "critical" to scare.
- He asks you to indicate his whereabouts (remember, you do not owe anything to anyone and you can not answer the question if you wish). It is suggested that you should do your best but find this person.
- If you refuse to do this, calls continue. They scare you so much that your mother is not grieving. And as a way out they suggest you pay for it. This should never be done. Firstly, what is the guarantee that the money will go to the bank? And secondly, why should you pay for a loan if you are not a guarantor?
What to do in this case? Let's look in more detail.
What to do if you have been contacted and pressured on you?
They may also tell you that since you are a relative, you must help another person. Remember, this is pressure on your sense of shame. In this aspect, it may interfere with you. You are not a mom (and even if mom is your son is already an adult and can answer for the loan himself) in order to constantly solve the borrower's problems. Therefore, you do not need to send money, but write a complaint to Roskomnadzor about phone calls. This is a really good way out. If you follow this advice, the calls will stop.
conclusions
Here are the main points that you should understand from this article:
- If you did not subscribe to certain rules, then you do not owe anything to anyone. Even if they put pressure on pity and a sense of shame. This is a cunning psychological manipulation. And since relatives often do not know how to adequately weigh the situation, this leads to the success of this manipulation with all its simplicity.
- If you call too often on your home phone, you can just call Roskomnadzor. You can also turn off your home telephone line altogether. If a mobile number was specified as a contact phone, then no one bothers to put the caller on the black list. Fortunately, modern smartphones can do this. If not, you can also write a complaint to Roskomnadzor.
Remember, the liability of the contact person to the bank tends to zero. And there is no point in worrying.