We got the collectors from the alpha bank. Alfa Bank collectors: how the debt collection department works
Many, when they hear the word collectors, panic, especially this word causes fear among those people who have taken out a loan. The media daily tells stories about evil debt collectors who seek payment of debts through threats, causing harm to health if the borrower does not repay the loan. In the real world, and not in the world of the media, the process of "knocking out" debts is somewhat different, safer and more loyal. In general, and in general, bank employees try to meet the needs of borrowers who are unable to comply with the terms of the contract. In particular, Alfa Bank provides a deferral for debt repayment, but only if it is not possible to make a monthly installment from the borrower.
Collectors Alfa Bank
Each family has its own specific budget, but there are situations and cases when unexpected expenses or difficulties with work appear, and it is not possible to repay the issued loan, then the borrower begins to get nervous and worry about his property, which can be taken away as repayment of the debt to the bank . Employees and collectors of Alfa Bank urge customers not to panic. In cases of loan debt, there is no great danger of losing your property and, of course, your health.
As soon as the client does not pay the loan on time, he will receive a notification in the form of a message on his mobile phone asking him to pay the debt. It should be noted that Alfa Bank is well aware of the emergence of emotions when receiving such messages and that the client is afraid of collecting debts through the courts or collectors. If the client has no way to pay the loan due to temporary difficulties, then Alfa Bank specialists can meet the client and make a payment deferral.
Collectors of Alfa Bank - reviews
Reviews about Alfa Bank collectors are absolutely opposite. From positive to negative. But it should be noted that reviews of the illegal actions of Alfa Bank collectors are fiction, in reality, this is not at all the case. So, let's turn to some reviews about Alfa Bank collectors:
- My husband and I took a consumer loan, wanted to buy a car, initially paid the loan on time, but then our child fell ill and needed expensive treatment. I had to borrow money for the treatment of the baby, and there was absolutely no money left to pay off the loan. A few days after the next payment was overdue, I received a message on my phone asking me to pay the debt. We did not react to the message in any way, after which a call from the bank followed. We made an appointment at the Alfa Bank office. We came to the meeting, I was terribly worried, I expected anything, but after I explained the situation, they sincerely sympathized with us and clarified when we could pay the debt. We have been deferred payments. It's great that Alfa Bank always goes to meet its customers.
- I took out a loan for a long time, and there were no debts, until trouble happened. Mom's house burned down. I had to go to her, she lives in another city, I took on all the trouble of moving my mother to my place, collecting documents for paying insurance and simply completely forgot about the loan. When I returned home, I saw a letter in the mailbox stating that I had an overdue debt. Deciding that the solution to this issue would wait, I did not contact the bank and went to rest. The next day, two respectable men in business suits rang at my door and introduced themselves as collectors. And they explained that they were sent to me on the issue of paying the debt. I explained the situation to them and kept waiting for them to start physical impact on my body, but the men advised me to contact the bank branch. I paid off the loan at the bank and the situation was resolved. I really didn’t expect this from Alfa Bank collectors. Believed that the collectors, at least beat the debtors. This is how my stereotypes were broken.
- I am quite a responsible person, I took a loan for my young man. And she always made sure that payments arrived at the bank on time. But then my friend had an accident, and there was no money to pay off the loan, everything went to him for treatment. I simply ignored calls from the bank, I understood that there was no way out of this situation, but I didn’t know what to do, and I was confused. As a result, at the door of my apartment, I saw collectors. Of course, I got scared. But the collectors of Alfa Bank politely explained to me that if I hide from paying off the debt, then this will threaten me with arrest and trial. I told them about my situation. To which the collectors recommended that I contact the bank branch and arrange an installment plan. To be honest, I was shocked. Something, but understanding from them was the least expected. After their visit, I immediately went to the bank, where they issued me a deferred payment. When my young man was discharged from the hospital, we paid off the debt and began to pay the loan on time.
- My situation was banal, they took out a mortgage and suddenly there was a crisis due to which my husband's business ceased to exist. Mortgages have become an unbearable burden. Of course, in the end Alfa Bank collectors visited us, we expected threats and screams from them, and even feared that physical reprisals would follow, but the collectors told us what consequences await us if we do not pay the mortgage and made an appointment at the bank. When we came to the meeting, we had already prepared documents on deferred payment.
It should be noted that Alfa Bank collectors always act in accordance with the legislation of the Russian Federation.
Collectors of Alfa Bank - confidence
Of course, in life there can be various Unexpected situations, some cannot be solved alone. Alfa Bank collectors have their own phones hotline You can find them on the official website. By calling the hotline you can get advice on debt collection measures. And also notify the bank about the need to provide you with a deferred payment on the loan. Many borrowers believe that they face physical harm if they are late in payment, this is not at all the case.
Alfa Bank collectors take special courses and, when interacting with a client, are most often polite and tactful, if you go into a dialogue and explain the situation, and do not avoid calls coming from the bank, then a solution to pay the loan debt will be found.
Boris asks
Hello! Alfa Bank collectors pester me. But I closed all the debts on the loan in 2 months. What delays can there be if I paid everything on time?
Good afternoon, Boris! Unfortunately, everything is possible in Russia. Even if you took a loan of 1,000,000 for 10 years, but paid off the debt ahead of schedule, you may be called in a few years and informed about the debt to the bank.
Let's see how you can deal with Alfa Bank collectors.
Who are collectors and what are their rights?
Collectors are people who work for a collection agency. Their purpose is to collect credit debts from clients.As a rule, they have a piecework salary, depending on the amount that they manage to get from borrowers as a result of exposure to them.
Collectors are required by law to collect detailed information about the client, talk with him and warn the non-payer about the possible consequences in case of violation loan agreement.
If the result is zero, the collection agency staff should talk with the client's relatives or colleagues. But the best option is a conversation with the bosses of the borrower.
But this is all in theory, so to speak, on paper. In real life, collectors blackmail the client, constantly call and threaten. It can even go as far as the use of brute force.
But you need to know and remember: such actions on the part of collectors are illegal, so the client has the right to file a lawsuit
The following actions of the collector are considered illegal if it:
Does not introduce himself during a telephone conversation and does not present documents during a personal meeting;
Rude, calls the debtor's client by name, "forgets" to address "you", offends;
Constantly calls from 10 pm to 6 am;
Discloses confidential information;
Accepts mortgage compensation from the debtor. Payments must be made at the bank;
Engaged in extortion and blackmail;
Appeals to the employer of the borrower with a demand to punish the debtor;
Calls relatives and threatens;
Sends messages several times a day.
Almost all of the listed actions of collectors are criminally liable. For them, they can get a period of 2-5 years. Any rudeness is an offense, and the use of force and threats of physical violence is a particularly serious crime.
Legal methods of dealing with collectors
Try to talk calmly with the collector and do not stoop to threats, otherwise it can be used against you.If the collectors continue to “twist their own”, you can complain to:
Rospotrebnadzor. Call the hotline and complain about the collection agency;
prosecutor/police. Collect evidence of illegal actions (you can record all conversations) and write a statement to the prosecutor's office;
Collectors Association NAPCA. It requires its employees to be courteous and to treat borrowers on legal grounds. Violations of the rules will result in severe penalties.
Another method is a complaint to the court. After recording all conversations with collectors and saving SMS - messages with e-mails, provide all the information immediately to the court.
Through litigation, you can punish the collector and receive compensation for the inconvenience caused to you.
Modern life is unimaginable without loans. And where there are loans, there are debts. Not all borrowers pay their bills on time. Some violate clauses of the contract with a financial institution due to sudden financial difficulties, others due to their nature, disorganization and the habit of violating their obligations. If the borrower interacts with the Alfa-Bank credit company and is included in the category of its debtors, he should be wary of communicating with representatives of SCM LLC - Alfa-Bank collectors. The financial institution is a loyal creditor. Radical measures apply only to hard defaulters.
LLC "SCM" Alfa-Bank: what kind of service?
As is clear from the above, AB does not sell debts to third-party collection organizations, since in 2007 it created its own overdue debt collection agency. Given entity was approved only in 2011, and since that moment the organization has been operating legally and within the framework of the legislation of the Russian Federation.
In 2016, Sentinel Credit Management, as the abbreviation of the name stands for, became the first of a number of similar agencies in the register of the Russian Federation.
The responsibilities of the SCM staff include:
- work with debtors to resolve the issue of liquidation of the resulting debt;
- implementation of actions aimed at stimulating citizens to pay off Alfa-Bank;
- monitoring the progress of the recovery during the course of the trial.
What are the responsibilities of a collection agency?
If we consider the goals of creating the Sentinel Credit Management organization by Alfa-Bank, the main goal was the desire, without violating the law and the rights of citizens, to protect our own interests and reduce the level of financial losses due to unscrupulous clients.
SCM managers have no right to:
- put pressure on clients through their relatives;
- raise your voice at customers;
- threaten violence or damage to property;
- use violent methods of influence;
- spoil property.
According to the law, when dealing with debtors, debt collectors must:
- speak with citizens on the phone in an even, calm tone;
- send messages to persons who have violated the clauses of the contract with AB, both text and voice;
- send letters to citizens through the Russian Post;
- arrange personal meetings.
The law established time limits that collectors must adhere to when interacting with people:
- holidays and weekends - 09.00 - 21.00;
- working days - 08.00 - 22.00.
If an employee of the debt collection directorate exceeds his authority, the borrower has the right to contact his manager. If this measure fails, you should go to court.
In what cases is the debt from Alfa-Bank transferred to a collection agency?
Loan arrears are a common problem. In most cases, citizens cannot make timely settlements with the bank for reasons beyond their control:
- unforeseen financial expenses, which could not be avoided;
- temporary disability of the borrower;
- health problems of the person who took the loan, or his close relative;
- adding new dependents to the family;
- decrease in monthly earnings by the employer;
- job loss.
All this refers to valid reasons that give a person the right to apply to financial institution and write an application for debt restructuring.
In the event that the borrower does not settle with Alfa-Bank, without any reason, the issuer's administration turns to the collection service.
How to prevent the transfer of the case to the agency, how to avoid problems?
If trouble has occurred, and Alfa-Bank has already turned to SCM LLC for help, the task of the guilty party is to carefully listen to what the attached collector will offer. The purpose of such negotiations is not to put pressure on a person. The parties must find a compromise.
Employees of the LLC will offer solutions to the problem. It is worth trying to solve the problem yourself. If possible, you should immediately contact the representatives of the collection service so that they stop calling and writing.
While the process of communication between the debtor and representatives of the LLC is ongoing, the case is not referred to the court.
Regulation of the work of agencies for the collection of overdue debts. Scheme of work of claimants.
The work of claimants is regulated by Federal Law No. 230, which was released on 07/03/2016. Based on the law and the professional management of the segment, SCM employees build individual schemes of interaction with each individual client. The main principle of work is the absence of violence and psychological pressure.
AB's overdue debt collection department employs professionals who are able to cope with the responsibility assigned to them and avoid conflict situations.
Stages of interaction
Alfa-Bank collectors operate according to the following scheme:
All of the above is allowed by the legislation of the Russian Federation.
Reason for complaint
On the Internet you can find a lot of reviews about unscrupulous collectors. About half of the situations relate to the excess of their authority by claimants. The other half is the unreasonable dissatisfaction of citizens who violated the agreement with the financial institution.
Checking "black lists"
In cases of small loans, it happens that people forget to repay the debt and then, over time, are surprised that they are bothered by representatives of SCM or similar organizations.
AT recent times there are many organizations about which little is known. The level of confidence in them is minimal. But always have a mobile phone or a computer with the Internet at hand. Often users on the net are looking for information about SCM LLC, namely, what kind of organization it is and what it does. In this article you will find out all the details.
What is SKM LLC
In fact, the company with this name is not a rabble of scammers. And this difficult abbreviation is deciphered as follows: LLC Sentinel Credit Management. It was formed in 2009 according to the special strategy of the main company for working with big debtors. It was formed by the main company - "Alfa-Bank" as a subsidiary. Today, SKM LLC offers a wide range of debt settlement services for legal entities and individuals.
Goals of SKM LLCSentinel LLC (same as SKM LLC) located in different cities of Russia. Every year the company grows and increases the range of its services. As well as the staff, which today exceeds 1000 people. Already today, the clients of this organization are all major Russian manufacturing, microfinance and other companies. The company also cooperates closely with other European banks.
Partners of SKM LLC
The Sentinel company Russian market over 10 years. During this time, more than 10 partner banks from the list of the most successful in the Russian Federation became partners of the company. And also takes first place in the TOPs of collection agencies in the state. The company also has all relevant licenses for its activities in Russia and other countries.
Credit organization website
As a separate and subsidiary of Alfa-Bank, Santinel LLC has its own website at: https://www.sentinelcredit.ru/.
SKM LLC website
It provides a set of information for partners, clients and even for those who are looking for a job. In the section "" you can find useful information for people who have credit problems.
Site section "For clients"
After clicking on the “Pay” button, the client of SCM LLC gets to a form where he needs to enter the contract number, passport data and other data for identification.
Button for paying debts on the website of LLC SCM
Clients can choose from several ways to pay off their debt:
Work at SKM LLC
An interesting fact is that the organization SCM LLC has been holding the status of " Attractive employer"On the site Superjob.ru. If you are interested financial sphere activities, you can apply for employment in the company. In it you need to upload a personal image, fill in information about yourself. And indicate personal qualities and documents on education.
Button for applying for cooperation
For such work, all your data and information that can be useful is important. Therefore, the form requires a page in in social networks, nationality and personal details of the three closest relatives.
The organization offers its partners the service " Cloud Jurisdiction". Its function is that in this way you can quickly determine the necessary jurisdiction, the address of the court for paying the debt. The service works as follows: a list of addresses with a certain amount of debt is loaded. The service displays most of the data at once, the rest is processed within a few days. The site also has other useful tools for partners.
Organization contact details
Data for communication with company representatives Santinel LLC can be found on the Alfa-Bank website. Or at the address of the portal of the organization itself.
SKM LLC office on the map
Mail of the company OOO SKM
On the site in the " Contacts"You can leave a message, which will be considered as soon as possible. Click on the button " Write a message" in the "Write to us" section.
Feedback form on the website of LLC SKM
You must provide information about yourself in the form. Indicate, if necessary, the number of the agreement with the bank. And leave a message in the text box.
To add photocopies of important documents, click the paperclip button to attach data from your computer to the message. The SCM LLC organization often holds various promotions and competitions, which allows you to encourage customers and employees. Trainings and conferences are held for young colleagues and newly hired employees.
Many borrowers and credit card holders are faced with a monthly payment delinquency, which leads to the appearance of debt and the subsequent increase in its amount.
As a rule, banks go towards customers by offering installment plans, “ credit holidays and other ways to get out of this situation. However, in some cases, the debt is transferred collection agency.
Reasons for transferring debt from Alfa-Bank to collectors
In most cases, the delay on a loan or credit card occurs unintentionally. The reason for not making a monthly payment may be:
- dismissal of the borrower from his position;
- reduction in the amount received by a person wages;
- the arrival of a new dependent;
- deterioration of the health of the payer or the health of his family members;
- temporary loss of working capacity by the client;
- occurrence of unforeseen financial costs.
If you unintentionally evade payment of your debt and have a good reason for delaying the loan, contact the nearest Alfa-Bank branch for debt restructuring.
It is important to have documentary evidence of the existence of problems with you (for example, a medical certificate of health, copies of work book with a record of dismissal, etc.).
In order to further resolve this problem and avoid transferring the debt to a collection agency, it is important to pay off the debt on time and no longer delay payments.
If the client does not have valid reasons for missing the loan payment deadline or deliberately avoids repaying it, he may expect a meeting with Alfa-Bank collectors. The phone number specified in the agreement concluded with the bank will be used by specialists to notify the debtor of the need to pay the loan.
LLC "SKM" - collectors of Alfa-Bank
Sentinel Credit Management LLC is a collection agency owned by Alfa-Bank JSC. Formally, the directorate for the collection of overdue debts was created by the bank in 2007, although the legal entity SCM itself was registered later - in 2011.
Five years later, the company took first place in state register collection agencies.
The main areas of work of SCM:
- interaction with the creditor regarding the methods of payment of the debt;
- carrying out activities aimed at paying the debtor of the existing loan;
- support of the recovery process at the stage of litigation and / or enforcement proceedings.
SCM from Alfa-Bank complies with the provisions of Russian legislation and ethical standards of conduct, acting within the law. At the initial stage of obtaining the existing debt from the borrower, the company's employees negotiate by phone.
If the client evades paying the debt, collectors move on to more active actions - personal meetings with field managers.
Regulation of collection agencies
The procedure for the work of collectors with debtors is established federal law No. 230 dated July 3, 2016. Employees of such agencies cannot use physical force against indebted borrowers, threaten them, damage their property or exert psychological pressure on citizens and their family members.
Russian legislation allows the following ways of interaction between collectors and debtors:
- conducting telephone conversations;
- exchange of text, voice and other messages;
- sending letters;
- organization of personal meetings.
At the same time, communication with the collector by phone or meeting with a field manager is permissible at the time established by law: from 8 am to 10 pm on weekdays and from 9 am to 9 pm on weekends and non-working days.
If an employee of a collection agency violates the rights of a debtor, it is necessary to file a corresponding complaint against a particular collector with his manager.
As a rule, this is enough to stop illegal actions on the part of an official. If filing a claim did not help, the complaint is sent to the court, the territorial department of the FSSP or the prosecutor's office.
How to avoid problems with collectors?
If Alfa-Bank transferred your debt to SCM LLC or another collection agency, you should not avoid contact with its representatives. The purpose of negotiations in this case is to find best ways assistance to the debtor and taking measures to pay off the existing debt.
If you can repay the loan in full or in part, inform the agency manager about it. Refinancing a loan at another bank, borrowing money from close relatives or friends, looking for additional income, selling expensive property, etc. can be used as a way to pay off a debt.
Negotiating with debt collectors is a way to avoid taking your case to court. If a bailiffs excite enforcement proceedings, the amount of the existing debt in any case will be collected from you by force.
The FSSP has the right to seize the debtor's property, seize it and put it up for auction in order to sell and pay debts for the proceeds.
If your debt has been transferred to SCM LLC, contact Alfa-Bank collectors at the phone number below:
- 8-800-222-04-63 (if there is a debt to Alfa-Bank itself);
- 8-800-222-04-98 (if the creditor is another financial institution).
Alfa-Bank's collector numbers can be found on the official website of SCM LLC in the "Debtors" section.
If you receive SMS messages about the need to repay the debt on the loan, but you have not issued this loan, inform the agency managers about it. This can be done by a phone call to the numbers indicated above, by contacting the company's office or by filling out an electronic application form on the website of SCM LLC.