This year the number of claimants, practicing illegal methods, was reduced by 10%
Recently the state Duma adopted a bill to limit collection activity, however, the efforts of the Central Bank, interior Ministry and Prosecutor General’s office against the illegal claimants has led to the fact that the number of illegal immigrants decreases. For Jan–Jun 2016 “black collectors” was less than 10%. This follows from the calculation of the company “Sequoia Credit consolidation” specially for “Izvestia”. According to the estimates of the leader of the collection market, to the end of the year number of unscrupulous debt claimants will be reduced by 20%.
Estimates of the Sequoias, 2015, 30, “white” collectors had 660 “black”. In June 2016, the number of companies operating within the legal framework remained unchanged, and the number of unscrupulous claimants decreased by 10%, up to 600 (the exact calculation Sequoia did for the first time specially for “Izvestia”).
The fight against “black collectors”, which is still good all the power to absolve debt, have intensified in 2014. Then on the forum onf President Vladimir Putin said that law enforcement authorities should intervene if claimants work illegally. In the summer of 2015, the security Council ordered the Central Bank and law enforcement agencies to strengthen the fight against “black collectors”. The essence of the order was to ensure that the Department should introduce a regime of rapid response: rapid exchange of information on violations in the recovery of retail debt. Complaints of citizens on this occasion received the Service for the protection of the rights of consumers of the Central Bank, Ministry of the interior it initiates criminal proceedings. But the market is still occasionally shaken by stories related to the illegal actions of the collectors.
According to the President “Sequoia” Elena Dokuchaeva, increasingly, unscrupulous companies accountable, forcing others to think and rethink their model of doing business.
We are actively engaged in the fight against “black collectors,” — says the official representative of the Prosecutor General Aleksandr Kurennoy. — Of course, we will respond to the resonance situation when the creditor will use illegal methods. Each of these stories we brought to its logical conclusion — until the criminal cases. The last such cases were in Karelia, where the collectors threatened to blow up a kindergarten in Ekaterinburg and several other regions.
According to Alexander kurinny, at the end of last year, the state office of public Prosecutor put the question to the Central Bank about the need for stricter regulation in the microfinance market. Then there was a scandal in the center of which was “black lenders” — companies engaged in illegal lending under the guise of microfinance organizations and the debt collection use of illegal methods.
Great expectations of the government and market participants impose on the relevant law on debt collection activities. The bill passed by the state Duma in the second and third readings on 21 June. New rules prohibit collectors to use physical force, threats, and harm to property and health of the debtor. Clearly limited the intercourse of the claimants as borrowers, the number of calls and meetings. The maximum penalty for a violation of the law — 2 million rubles. The fines will take effect from 1 January 2017.
According to the Director of the National Association of professional collection agencies (NAPCA) Boris Voronin, the use of force to restore order little help in matters of unethical collection when the collector behaves like a legal but ugly. The expert is sure that we need other tools: accounting and control gosregulyator and SRO, uniform standards that imposes a new law.
After 3-5 years the market will be completely transparent about the existence of “black collectors” we will only remember, — says Elena Dokuchaeva.
A head of Department on work with problem debts of the group and Joined Sergei Golets does not agree that the adoption of the law will directly affect the decline in the number of “black collectors”.
— In fact, it is the criminals and thugs that call themselves collectors and working outside the law, — says the representative of the Bank. — They break into people’s homes, intimidate or use violence. These actions and was formerly a violation of the law. Moreover, they fall under numerous articles of the Criminal code.
According to the source, citizens are faced with “black collectors,” should immediately contact the police. And the police, according to the interlocutor, must clearly be attributed to the actions of such companies to the illegal, and not to the profession of debt collection.
— The creditors should assess the actions of the hired collectors, at the first alarm signals to cease cooperation with them, to inform profoundest and, if necessary, to address in law enforcement bodies, — said Sergey Golets. — If it is so, then the “black collectors” will not remain for field activities.
