They call the collectors on someone else's debt where to complain. What if the collectors call on someone else's debt or credit? Your data was illegally used when concluding a loan agreement
Agree, it's a very unpleasant situation when suddenly calls from collectors started, and you have no idea what at all in question... As many have already noted in their personal experience, attempts to explain that you have not the slightest relation to the debtor do not give any results.
Persistent calls continue, followed by "letters of happiness", some of them begin to bother your relatives or employer, and the worst case is a personal visit of extortionists to your home.
Most often, calls are received due to the debts of a familiar person: a neighbor, a colleague, etc., but sometimes the mobile number may appear in some database, the slightest mistake in the surname is allowed or your address of an old rented apartment is written and it started.
So, collectors are constantly calling on someone else's loan, what to do in such a situation and what are the options for solving the problem?
You are the guarantor of the loan
The number could have been indicated by your distant or not very relative, and in this case, you most likely know about the debt.
The essence of the surety is that if it is impossible to pay the debt, the surety will have to share this responsibility with the debtor. But if you are not very eager to spend money, first figure out the reasons for such calls. There are two options:
- the bank itself hired collectors for calls and intimidation to put pressure on the person and. In such a situation, they have every right to "remind" the surety about the existing debt, so that their appeal is essentially legal. It is best to personally communicate with the debtor and convince him to fulfill his obligations, as a last resort, find a solution in the form of loan refinancing or restructuring. Here communication with the collector does not solve anything, so you can reduce it to zero;
- if the debts to the collectors have already been sold, you can only pay by the court decision. It is not worth delaying, because the interest is dripping. But in any case, you have the right to file a counterclaim to moderate the collectors' appetites a little.
Calls on other people's debts. Is it legal?
So, the collectors are calling for someone else's loan, it is likely that the creditor is your relative. In this case, debt collection from you is legal only in a number of cases:
- you personally signed a surety agreement;
- you are married to the debtor;
- you are the heir of a deceased person and have already entered into inheritance rights. Naturally, your debts are also yours, but there is a chance to bring the collection organization to responsibility for violation federal law"About personal data".
If you don't fit any of these categories, there is nothing to worry about. When collectors call on someone else's debt on behalf of the debtor (friend, casual neighbor, etc.), then such calls can already be regarded as extortion. You are not obliged to pay the debt for another person at all, without being his surety, so you can safely go to court.
The saddest case is if the caller has no idea about the debts they are trying to impose on him. Clarify the situation, find out where the callers got your mobile number and your personal data.
Who can act as a borrower? How did your number get into the loan agreement? Next, you should take a certificate from credit institution, which issued a loan, that it is you who do not have any debts and, accordingly, the collectors call for no reason.
A copy of the certificate stating that your phone number and personal data were used by mistake should be sent to the legal address collection agency... This is an ideal case, often not everything goes so smoothly.
Let us analyze what needs to be done if the collectors call on someone else's debt. First you need to find out the following information:
- with whom the conversation, full name of the interlocutor;
- the name of the office, its address and the position of the person with whom you have the honor to conduct a conversation;
- contact phone number of the agency;
- the personal data of the debtor who is being sought and listen to the caller's demands.
In this case, just block mobile number from which calls are received will not come out. Calls continue from other numbers and simply verbally convincing the interlocutor that you are not the one he needs is simply impossible.
You can tell the callers that you will take a statement of extortion to law enforcement if the calls continue. If it doesn't help - feel free to write.
You need to act according to the circumstances: if there are grounds for calls, then we consult with an experienced lawyer and resolve issues with the bank, if not and you have nothing to do with the conclusion of the contract, then persistently ask the callers not to bother you anymore.
Why complain if collectors on someone else's loan are constantly getting calls? First, you need to record the conversation with the interlocutor on a dictaphone (especially if there is a place to be) in order to have evidence at hand.
If the statement to the law enforcement agencies on the fact of extortion and the evidence provided does not lie, then you can write a complaint to the prosecutor's office, describing the inaction of law enforcement agencies.
Finally
Unreasonable threats from collectors are a direct violation of the law under article 119 "Threat of causing serious harm to health" and article 163 "Extortion".
For calls earlier than 8 in the morning of a worker and 9 in the morning of a weekend, as well as later than 10 and 8 in the evening, respectively, you can write another complaint about a violation of the law "On consumer credit". Remind callers strongly of this.
It is very unpleasant when collectors begin to disturb the peace right at your home, making their frequent visits.
In no case should you let them in, if you conduct conversations, then only with witnesses and, just in case, record the entire dialogue on a dictaphone. Further, the application algorithm is exactly the same as in other cases.
Didn't the above recommendations help? It's time to deal with statement of claim to court. and if there is evidence, it will be easy to convince the court of the need to pay you moral damage (sometimes you can get compensation for a physical one if you had to eliminate the consequences of stress because of the calls and there is evidence in the form of checks from the pharmacy and certificates from the doctor).
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Most likely, you had to use the services of a lending system at least once in your life. But not every one of those who took out a loan was able to repay it on time. In this case, in order to get a debt from especially careless payers, collection companies come into play. Communication with these gentlemen brings many unpleasant minutes. It is especially offensive when the collectors are accused of other people's debts. In fairness, it should be said that this happens infrequently, but this does not make communication more desirable. Why this is happening and what to do about it - we will talk below.
Who are the collectors and why do they call
Such an unusual word for us "collector" in direct translation means "collector", but he should not collect stamps or a collection of butterflies, but money from careless payers. Collectors can be both individuals and entire organizations - collection companies. Sometimes such "collectors" are also staff members. Their main duty is to make the debtor pay by any means (legal). financial commitments... Sometimes failures occur in the worked out scheme, which can turn into unpleasant consequences.
Collectors call for other people's debts for various reasons, but most often this happens by mistake, which is sometimes very difficult to fix. “Gatherers” have long been accustomed to working in non-standard situations and often simply do not respond to your persuasions and explanations, because people who do not want to pay a loan also often say that they have nothing to do with it.
Did you act as a surety?
If collectors for other people's debts keep calling you, remember if you are the guarantor for the loan of your friend, relative or colleague. It was? Then the calls of the "collectors" are very much even to the address, probably, the person who took the loan had a substantial debt, and the bank decided to collect money from the guarantor, that is, from you.
The first thing to do is to contact the person who issued the loan and try to find out whether the delay in payment has really occurred and how soon he is going to repay it. Perhaps it is worth looking together for ways to solve the problem - agreeing with the bank on refinancing the loan or trying to refinance in another organization (of course, in this case, you should not act as a guarantor a second time).
If it turns out that the debtor is really unable to pay off the obligations, the debt actually goes to you. And you have to pay it. The best thing you can do is contact the bank to jointly search for a solution to the issue. After you pay off, you have the right to collect from a relative (acquaintance), for whose loan you were a surety, the entire amount of the debt in court.
Relatives are to blame for everything
Quite often there is a situation when one of your relatives took a loan, and you did not know about it at all. Since the collector's duty is to receive money from the borrower by any legal means, in the event of a delay, they begin to pester with calls to all his relatives and friends, whose phones they can find.
It is worth knowing that since you were not a guarantor for a loan, you can have relation to debt repayment only in two cases:
- in the event of the death of the borrower, if you are the heir of the person who took the loan and have already accepted the inheritance;
- if you are the wife (husband) of the debtor, but in this case, you can only be forced to pay the debt by a court decision.
Therefore, if the collectors call on someone else's debt, which was formed from your brother / sister, parents, uncle, aunt and any other relatives, feel free to declare that you have nothing to do with the debt and are not obliged to pay it.
Responsible for a neighbor
Quite often, collectors, striving to achieve the desired result, begin to act in all directions. Many of them, having failed to achieve anything directly from the debtor or his relatives, begin to call all neighbors, colleagues and friends of the borrower, hoping that such an "attack on all fronts" will bring an early result. In the event that collectors call you on other people's debts, to which you have absolutely nothing to do, politely and firmly explain that you are absolutely not obliged to either the “collectors” or their client. And ask not to call again. If this does not help, please contact
I do not know him
Sometimes, however, it happens that collectors call a stranger on someone else's debt. This happens for various reasons - for example, your phone number previously belonged to the person who actually took out the loan, or you moved to an apartment, former owner which he took out a loan, while indicating his old address. Sometimes there are commonplace typos in surnames, phone numbers and other data.
Unfortunately, in this case it will hardly be possible to get rid of the collectors with a simple explanation - more efforts will have to be made.
First, find out the details of the person for whom you are accepted, then make a request to the bank, which is the caller. In the letter, indicate that your contact information is mistakenly assigned to a stranger and ask to make changes to the database. Wait for an answer. It is best to additionally take a certificate from this bank that you are not registered. Take copies of all these documents and send them to the address of the collection company. If, after all the above manipulations, the persecution does not stop, write to the police.
If collectors call your relatives
Of course, it is very unpleasant to get into a situation when collectors call on other people's debts. Especially if these debts are really yours, and the callers bother, for example, elderly parents.
First of all, you need to explain to your family that you really have a debt that you are going to pay off in the near future and ask them not to be nervous. Next, you need to ask loved ones to remember what can and cannot be said to collectors and how best to build a conversation. To avoid additional problems, in no case should you disclose any personal data about yourself or about the debtor relative. Your relatives are not obliged to give the collector any information at all: a new name, address, phone number and other data are your own business. It is best to patiently repeat that they do not have any direct contacts with you, do not communicate at all and have absolutely no idea where you can be found. If your family follows this tactic, sooner or later the collectors will lag behind.
"Happiness" letters
In addition to the fact that collectors call on someone else's debt, sometimes they are also engaged in "targeted delivery." One morning, you may find a letter in your inbox indicating how much and to which bank you owe, as well as a message that the debt has been transferred to a collection company. Over time, letters may appear more and more often, and the amount in them may constantly increase. Fighting this type of debt collector activity is very simple - don't react to it. Most often, such "masterpieces" are simply printed on an office printer and do not imply any seals or signatures, which means that it is just a piece of paper that has no legal force.
I got a call ...
Telephone calls from collectors on someone else's debt can cause incomparably more trouble, because they are often repeated every day and at any time of the day. Even if the call center operator is exceptionally polite, the fifth call is already annoying, and the fifteenth is infuriating.
Sometimes a telephone conversation is not just about communicating with an employee of the bank (collection company), but rather accepts with the use of obscene expressions and threats against the debtor himself and his relatives. Remember: such actions are illegal and entail criminal liability under Articles 163 and 119 of the Criminal Code of the Russian Federation (extortion and threat of bodily harm, respectively).
Physical impact
Even less often, threats from collectors for someone else's debt turn into the stage of physical contact, for example, you can be welcomed to your home or work. If the office is still a public place, the most that can threaten you in this case is a disgusting scandal and sidelong glances from colleagues. But at home you need to be especially careful:
- in no case should you let uninvited visitors into the apartment;
- try to record the conversation on your phone or dictaphone;
- conduct all conversations only in the presence of witnesses, such as neighbors.
Collectors call on someone else's debt - what to do and how to be
If you are still unlucky and you are faced with persistent employees of a bank or collection agency, first of all, do not panic. In order to stop unpleasant communication as soon as possible, you need to develop a clear line of behavior, because you just don't have to hope that you will be left alone.
So, what to do if they call from the bank on someone else's debt:
- first of all, you need to find out with whom you are communicating, find out the surname, name and patronymic of the interlocutor, as well as his position;
- then try to find out the full name of the organization, its actual and legal address, as well as contact phone numbers;
- write down the personal data of the debtor that the collector (bank employee) is looking for;
- calmly listen to the caller's demands and ask him to contact you later;
- if the caller refuses to tell you the above data, calmly end the conversation, warning that you intend to contact the law enforcement agencies.
- in the event that there are grounds for the call (for example, you acted as a guarantor under a friend's loan agreement), it is most reasonable to enlist the support of a credit attorney, and offer the employees of the collection agency (bank) to go to court;
- if you just acted as a contact person when concluding an agreement, and even more so when you have nothing to do with the borrower, contact the bank to clarify the situation, while the collectors, when you call again, inform about the actions taken and ask them not to bother you anymore;
- in the event that the calls persistently continue - try to record the conversation on a dictaphone and contact the police with a statement of extortion;
- if this did not bring any result - write a statement to the prosecutor's office with a complaint about the inaction of law enforcement agencies.
If all else fails
In the case when all of the above methods do not give the desired result, and the collectors pester people at night for other people's debts, the only correct solution would be to go to court. Having enlisted the support of a qualified lawyer, you can safely demand compensation from the bank for moral and, in some cases, physical harm. For example, if after communicating with the collectors, your blood pressure sharply increased and you needed the help of a doctor, the bank will be obliged to compensate for the costs of treatment. So if communication with debt collectors has brought you "to the handle", do not forget to keep all certificates from the clinic and receipts for medications.
Creditors can begin to bother not only the defaulter under the contract and his guarantor, but also strangers. If collectors call on a loan from relatives or friends, then they can and should be dealt with.
Why collectors can call someone who did not take a loan
There may be several reasons why intrusive calls began to arrive:
- the number was indicated when signing the agreement - banks often ask to provide the phone number of a person (for example, a colleague or girlfriend), which can confirm the identity of the borrower;
- the number was provided by mistake - sometimes, on purpose or inadvertently, the client specifies an incorrect phone number, which then enters the database for calling debtors;
- The lender himself found out the number of a close or acquaintance of the borrower - in some cases, the security service of a bank or collection agency, through its channels, finds out the data of persons who may have contact with the defaulter.
Calls from collectors, if the number got to them, will be received constantly. Those who have been in a similar situation say that the representatives of the creditor, despite the law, get bored day and night - they write SMS, call, ask to convey information to the debtor or invite him to the phone.
Important! Calls from collectors for loans from friends or strangers are illegal. Moreover, the creditor thus violates bank secrecy, for which they can be held liable.
Only the owner of the phone number himself can grant this or that organization the right to work with his personal data. If the contact was obtained without written permission, it is illegal to use it.
When calls on the loan of others are legal
There are situations when collectors can really demand repayment of debt under the contract:
- - if the owner of the phone number signed a surety agreement or acted as a co-borrower, then the obligations under the agreement in the event of a delay fall on him;
- upon entering into an inheritance - if the debtor has died, and his relatives have taken over the rights to his property, then the claims to pay off the debt will be addressed to the heirs;
- in the event of a spouse or spouse's debt - if the loan was issued in marriage and spent for family needs, then in the absence of payment from the main borrower, repayment requests can be sent to his wife or husband.
Each situation is different. For example, even if the loan was joint, then the second spouse is not obliged to answer for it with personal property. In case of disputable situations, it is recommended to consult with a lawyer.
How and why collectors can call a stranger
If the bank sold the debt to the collectors, then the new creditor will actively try to return the funds spent on the purchase of the contract.
In practice, the situation will look like this:
- your personal phone number will receive regular calls;
- collectors will ask to transfer information to the debtor under the contract;
- in some cases, threats and departure of company representatives to home or work are possible.
Practice shows that the explanation of the fact that the connection with the debtor or the opportunity to inform him necessary information no, ineffective - telephone harassment will continue.
In some cases, calls are sporadic. Then they can simply be ignored by blacklisting the number. If, however, it is not possible to get rid of the intrusiveness of the collectors, it is necessary to start acting.
What to do if collectors call on someone else's loan
First of all, you must try to record the conversation on a dictaphone. It is best to do this if you put the phone on speakerphone - this way both callers will be heard. If at the time of accepting a call this is not possible, then you need to ask to call back later and prepare for the next contact.
- data of the caller himself - full name, position, internal phone number and others;
- information about the collection organization - legal name, address, contact details, etc .;
- information of the person on whose debt the collectors contacted - personal data (last name, first name, date of birth, etc.), amount of debt, number loan agreement other.
Important! If it was not possible to fix the conversation on the dictaphone, then the received data must be recorded. They will be needed for the subsequent preparation of the appeal.
It is worth continuing the conversation only after clarifying all necessary information... First of all, it is necessary to explain to the caller that he does not have the right to use this phone number. You need to calmly ask to stop calls and delete the number from the database.
In no case should you agree to transfer any information to the debtor, even in order to "get rid of" the caller. Practice shows that then annoying requests of this nature will become regular.
If the requirements to remove the phone number from the database did not bring any result, then you should warn about your plans to resolve the issue through higher authorities.
Where to complain when calling on the debt of a stranger
First of all, it is worth trying to draw up a written claim against the collection agency itself. You can transfer it either in person (if there is an office or representative office nearby), or via mail. In this case, in the first case, it is imperative to ask on the second copy of the application to put marks of acceptance indicating the date and position of the employee, and in the second - to send a certified letter with the obligatory requirement to sign upon receipt. The average processing time is 20 working days.
If, despite requests to stop calls, they continue, then the owner of the number can contact the following authorities:
- Central Bank - oversees the activities of all financial organizations;
- Rospotrebnadzor - protects consumer rights;
- The Prosecutor's Office - monitors the implementation of the requirements of the current legislation.
If you wish, you can file a complaint with the listed companies right away - it is not necessary to write a complaint to the collection service beforehand.
A victim of calls can contact these organizations both with a written statement in person or remotely. On the website of each company there is a feedback form and a phone number hotline- the use of these channels will save time on visiting the instance.
In some cases, you should additionally file a complaint with the police. This must be done if the collectors threatened or came - such actions are contrary to the law. In this case, you will need to provide all possible evidence of illegal actions - testimony of witnesses, recordings of conversations, and others.
Application for termination of calls from collectors
When forming an appeal, it is necessary to indicate:
- personal information of the injured subscriber - full name, date of birth, passport and contact information, address of residence;
- information about the collection company - name, legal details, contacts for communication;
- the essence of the claim - it is important to describe in detail all the circumstances of the case, indicate the time of calls, their frequency, emphasize non-involvement in the concluded agreement and other details;
- write down the requirements - you should clearly indicate the desired result (stop calls, delete the number from the database, etc.).
All available data must be attached to the application - recordings of conversations, documents from the mobile operator with information on the frequency and time of calls, etc.
Sudden phone calls from a collection agency about an unfulfilled loan can be overwhelming. And if collectors call on someone else's loan, that is, to which you have an indirect relationship or you do not know the true borrower at all? The problem is that all your explanations can be ignored by the claimants, and the calls will continue again and again. What to do in such a situation, where to go, complain, how to behave correctly? Let's talk about it.
Why can collectors call you on someone else's loan?
As a rule, borrowers are called by different specialists of the same one. This is inconvenient, because every time you have to tell everything anew, and if such communications occur regularly, it is even more annoying.
Quite often, collectors call about someone else's loan in the following cases:
- The loan was issued in the name of your relative, neighbor, colleague, etc.
- You are the guarantor for the outstanding loan.
- You bought a phone number without knowing the fact of linking it to the loan obligation of the borrower-seller.
- Your phone number was indicated by the present debtor when he entered into a loan agreement with the bank.
Each situation should be considered separately, since in some cases, calls from collectors on someone else's debt have legal grounds.
Calls due to surety
It is one of the most unpleasant situations to become a guarantor of a person who made a long delay on a loan, as a result of which his debt was sold or transferred to collectors. Perhaps earlier you did not understand all the responsibility, agreeing to a surety, or simply did not expect such an outcome of events. One way or another, now you will have to answer for someone else's oversight on the basis of Art. 323 of the Civil Code of the Russian Federation, which clearly states that the creditor has the right to demand the return of the debt in case of delay, both from the borrower and from his guarantor, or from both parties at the same time.
Once in this position, try to contact the real debtor and persuade him to return the loan to the bank, if he has not yet sold the debt to the collectors, but simply entered into with them agency contract... There are several ways to solve the problem, for example:
If the debtor avoids talking to you, hides, you still have to find a compromise, cooperating with the collectors. You can repay the debt voluntarily or by court order, but after that you will have the right to sue the main borrower in order to return own funds... The procedure is not easy, but such can be the consequences of the surety. Alas.
Worries about the debt of friends and relatives
The next most common situation can be called when collectors constantly call on someone else's loan from your relative or friend. Based on the current legislation (Law No. 230-FZ), such calls are a gross violation, with the exception of three cases:
- You are the surety of your relative of the debtor.
- Spouse. Requirements for the return of money can only be established by a court decision.
- The heir to the deceased borrower. It is important to consider the timing here. Calls are allowed if you have already entered into inheritance rights.
Note that neither the brother, nor the sister, nor the uncle or the aunt bear any responsibility for the loan outstanding by their relative. If, under such circumstances, you are under pressure, immediately contact the appropriate authorities (Rospotrebnadzor, FSSP, NAPKA, police, prosecutor's office, etc.). It's great if you have a record of a conversation with collectors, a printout of calls, which will serve as proof of their violation.
Calls by mistake
Very often, calls from collectors come in the wrong way. For example, you bought the debtor's apartment, room home phone which was specified in the loan agreement. Any excuses on your part can be ignored by the collectors. Yes, you can change your number, add the phone collection organization to the blacklist, install the Antikollektor smartphone program, but obsessive claimants will find new ways to bother you. It takes a little fuss here. Proceed as follows:
- The calling collector must introduce himself, indicate the position, the name of the company whose interests he represents, his contacts. Find out from him the name of the true debtor who is being traced. Set your own tone of conversation, right on your side.
- Write a letter to the organization (bank or collection agency), indicating the erroneous use of your phone number. The application must contain a request to exclude your contacts from the collectors database in order to avoid further communications. The letter should be registered officially. If necessary, take a certificate from the bank that there is no debt in your name and present it to the claimants (you can send it by mail).
- If the above actions did not bring the desired result, the calls continue, then all that remains is to complain to the law enforcement agencies. We would like to emphasize that in this case the collectors can be infringed with violations on their part in accordance with Law No. 152-FZ. It is possible that a fine will be imposed on the troubled debt collection firm.
Collectors' field of activity - legal framework
Collectors' actions are now strictly controlled. After the entry into force of Law No. 230-FZ (January 1, 2017), the rights of collectors were sharply limited, although some companies use the previous methods of work, but this is a separate topic for conversation. Now, answering the question, who are the collectors, you should indicate a number of established requirements for these individuals in accordance with current legislation... So, legal entities have the right to engage in activities to collect overdue and problem debts:
- Registered in state register, which is maintained by the FSSP RF.
- Engaged in the corresponding type of activity as the main one.
- With assets of 10 million rubles or more.
- With the presence of a formalized insurance in the amount of 10 million rubles or more (liability for causing losses to debtors).
- Having their own website on the Internet.
Any violation can be punished with a fine ranging from 500 thousand to 2 million rubles. If they are engaged in such activities individuals, then a fine of up to 500 thousand rubles is imposed.
By the way, the collectors can not work persons with an unexpunged criminal record and without appropriate education (legal or economic). Representatives of collection firms are allowed to call and get in trouble with the debtor, leave voice messages, meet with the borrower, send SMS, emails, telegrams with a request to contact the company to resolve the debt issue. Calling relatives, neighbors, colleagues, subordinates of the debtor, disclosing information about the borrower to third parties is prohibited, except for the cases described above (surety, inheritance, marriage).
Principles of Good Negotiation
Considering the issue of correct negotiations with collectors, you should indicate the allowed number of times of communication between the claimants and the debtor:
Interactions are allowed in a strictly allotted time:
- Working days from 8.00 to 22.00.
- Weekends, holidays from 9.00 to 20.00.
When making a call or sending a message, the collector must give his name, position. It is impossible to contact from hidden numbers. The collector does not have the right to raise his voice to the interlocutor; he must speak calmly, without threats, without exerting psychological pressure.
We recommend that you record all calls from collectors. Speak politely, ask the employee to indicate all your data, the name of the debtor and the requirements for him, although the collector should not disclose information to third parties. But since he calls you, it means that he is ready to break the law. If the collector refuses to provide you with the information you are interested in, threaten to contact the law enforcement agencies. You should not tolerate possible curses, insults - these are gross violations of Law No. 230-FZ. By contacting the appropriate authorities and having telephone records, you will be able to obtain compensation for moral damage. It will not be superfluous to use the services of a lawyer if necessary.
Solution to the problem: how and where to go?
Remember, there is a way out of any situation. Therefore, if the collectors pester you, you cannot solve the problem on your own, use the help of state bodies by writing a complaint. Initially, of course, you can contact the management of the collection agency, on behalf of which calls are made on someone else's loan, but it is not a fact that this will help.
Here is a list of possible organizations accepting applications aimed at suppressing the actions of collection organizations
- NAPKA. The duties of the association include working with unscrupulous collectors.
- Roskomnadzor. Quite an effective option in the case of an appeal from relatives, neighbors of the debtor. Government body must protect you from pressure.
- Rospotrebnadzor. This service was created to protect the rights of consumers and, as practice shows, it works quite effectively when citizens apply.
- Central bank. If the collector acts on the basis of an agency agreement, represents the interests of the bank and, as a result, violates the law by making calls to ordinary citizens, then the regulator can help resolve this issue.
- Police.
- Prosecutor's Office.
Note that going to the police is reasonable only when the collectors threaten you, blackmail you, which is a crime and punishable by criminal liability. Otherwise, the "policemen" may not accept the application and send you to the prosecutor's office.
Also note that you can send a complaint to a particular authority in in electronic format using ready-made forms on the official portals of civil services. There you can also attach files proving the fact of collection violations.