Military Review

Collectors or criminals? Why the State Duma of the Russian Federation postponed consideration of the bill on the activities of collection firms

186
Collectors brewed the door of the garage of a person who borrowed from the micro-credit organization 10 thousand rubles.


In the Ulyanovsk region, collectors threw a petrol bomb into the window of a house of debtors on a loan, a 2-year-old child was seriously injured.
Collectors raped a woman in front of her husband and child.

In Volgograd, collectors beat the debtor’s parents.

In the Kaluga region, sewers beat the debtor’s pregnant wife.

In St. Petersburg, the collectors have published the data of debtors on the site for the provision of intimate services.

Collectors or criminals? Why the State Duma of the Russian Federation postponed consideration of the bill on the activities of collection firms


The list goes on and on ...

The arbitrariness inflicted by those who knock down debts from customers of banks and microcredit organizations has recently become the subject of heated debate. The crimes of those calling themselves collectors led to the consideration of such issues at the highest level. The speakers of both houses of the Russian parliament - Sergey Naryshkin and Valentina Matvienko - have prepared a bill that is supposed to curb the vigorous collection activity in the country.

In the draft law, in particular, it is proposed at the government level to create a special body that will have to keep a register of collection agencies. In addition, the document prescribes the rules for communicating collectors with debtors for the recovery of loans. In particular, it provides for the right of the collector to call the debtor no more than 2-x times and to meet with him no more than once a week. The collector is hypothetically forbidden to communicate with the debtor on weekends from 20: 00 to 9: 00, on weekdays from 22: 00 to 8: 00. In addition, lawmakers propose a ban on the use of collectors devices that hide caller phone numbers. An important addition, sponsored by Sergey Naryshkin and Valentina Matvienko, is connected with the fact that a bank or microcredit organization must notify the debtor that its “credit case” is transferred to one or another collection company, and the debtor must express its consent. Without the consent of the debtor, the “credit case”, as it were, cannot be transferred.
Frankly, some points of these initiatives look quite utopian, if not to say populist (well, at least the debtor’s consent to the transfer of debt information (“hanging”) to collectors). And now - after the 1 reading successfully passed by the bill in the State Duma of the Russian Federation, the bill in the second reading has already stalled. The Committee on the Financial Market of the State Duma of the Russian Federation last Friday decided to postpone the hearing of the draft law on collectors. Reported it Interfax Committee Chairman Nikolai Gonchar, explaining the reason for the deputy's unwillingness to consider the initiative on the scheduled day:

In particular, this applies to the situation when, in accordance with the 24 of the Civil Code of the Russian Federation, the creditor ceded or sold the overdue debt to an organization that is a professional lender, but not a bank: MFI, pawnshop, consumer cooperative.


The bill decided to send for revision. On the one hand, the reason for the need to make certain amendments is understandable, because, as already noted, the individual paragraphs of the document are clearly given by populism. But on the other hand, the deputies are not pulling rubber, trying to correlate their own interests (especially in the election year) with the interests of Russian banks and other credit and financial organizations. Indeed, for a certain category of debtors, such a bill at the “subcortical” level may look like a kind of indulgence for non-payment of debts ...

But the complexity of the issue is not so much in when exactly deputies will be granted a widely announced bill to adopt, but in how much will this bill prove to be really effective? After all, it is obvious that the cases of collector activities described in the beginning of the material, if I may say so, are criminal offenses. And how effective can a certain hypothetical bill be if individual Russian collection offices openly spit from a high bell tower even on the criminal code? It is unlikely that the collectors who decided to rape a woman in front of her close relatives, or set fire to the house together with the people who were there, would stop if Valentina Matvienko and Sergey Naryshkin press themselves and still push the idea that these same collectors “should call the debtor no more two times a week. Sorry collector A LITTLE BABY NOT BURNED, acting quite deliberately, and then what kind of “calf tenderness” with a phone call.

There is in the Criminal Code of the Russian Federation a whole set of articles that the same debtor is entitled to use, in respect of which the collectors step over all imaginable and inconceivable boundaries. This is an article 119 - The threat of murder or the infliction of grievous bodily harm; article 163 - Extortion; article 213 - hooliganism. For all these, the article of collectors (and in fact - the criminals), who decided that the law does not have the right to stop them, is threatened with real deadlines.
In extremely rare cases, banks with a reputation decide to “redirect” “hanging” debts to collectors offering their services. Simply because any self-respecting bank is insured against the risks of non-payment, and therefore it is more expensive for itself to follow the path of contact with overt criminals for such a bank. But then self-respecting banks ... But for empty banks and microcredit, trying to weld on the received (in turn) from a large bank loan rabid interest, chasing a freebie, contact with collectors is the most.

But after all, the debtors themselves should be aware of whether it is worth contacting a dubious kind of microcredit office that lent 10 thousand rubles, and in a month demands that all 30 be returned, or even 50 thousand. If the borrower does not stop, and he decides for himself that he will pay off his debts, then, as they say, this is one thing. And if he believes that he will “lie to the bottom,” and his debt is the problem of the micro-credit companies themselves, then this is a matter of a different kind and a strange hope, perhaps, unleashing the same collectors with a criminal grip.

In general, this means that the deputies may, of course, oblige collectors to be “good friends” and not call the debtor at night, but the main issue here is the effectiveness of the current legislation, the responsibility of credit organizations to borrowers and borrowers to credit organizations and themselves. In the meantime, individual banks are "bullied" by real interest rates on loans under 50 (or even higher) per cent per annum, and when individual citizens believe that they will "pull" these rates, then accept at least a hundred bills, and the result will remain the same.
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  1. The comment was deleted.
    1. Alexander Romanov
      Alexander Romanov 17 May 2016 07: 20
      +42
      Quote: Andrey Yurievich
      because THIS is an awesome topic for the "Military Review" ... more about housing and communal services to push Temko, eh?

      Oh, how it is. As I understand it, one collector stepped on eggs.
      Didn’t you Yuryevich write about justice there? Didn’t you resent the prices for housing and communal services? Didn’t you write that the government should think about the people.
      And here Volodin dared to touch the collectors, what kind of scoundrel the author, dared to raise his holy hand with a pen.
      1. Starover_Z
        Starover_Z 17 May 2016 07: 44
        +18
        Why the State Duma of the Russian Federation postponed consideration of the bill on the activities of collection companies

        But here is the main answer in the article:
        But on the other hand, are the deputies pulling the rubber trying to correlate their own interests (especially in the election year) with the interests of Russian banks and other financial institutions.

        So that the "undercover" banks do not go with their interest to another "roof", right ?! And our poor "Alchens" will remain without pocket banks ... crying
        1. Patriot 1
          Patriot 1 17 May 2016 08: 35
          +45
          Collectors with their own methods of work - no comment ..... judge and plant!
          But, one must look at the problem from the other side.
          The biggest questions arise in the system of express loans, which are full of signs on every corner "loans at 1-2%" .... It is the illiteracy of borrowers that dishonest lenders use. It's like price tags in some grocery stores - they stopped writing per kg, they write the cost per 100 grams. Entice!
          To oblige at the legislative level all credit organizations to register information (contracts, advertising signs, brochures, etc.) based on the interest rate per year. I think if there is an advertising sign: "Loans at 700% per annum", there will be much less people who want to use this service.
          1. 97110
            97110 17 May 2016 09: 33
            +10
            Quote: Patriot 1
            Collectors with their own methods of work - no comment ..... judge and plant!

            Who will judge and sit? Which, completely, criminals? Who will let them in such a feeder? The entire Criminal Code is against the participation of criminals in collecting the returned money. Recently I met a friend, a former deputy chief. district police department. How, what: on a percentage of collected overdue loans at a bank. A solid jar. And who will condemn and imprison the former deputy head of the police department? What must he do to condemn and land? Call the third time in the reporting week to a specific bad borrower? And where are you going to get reduced as unnecessary (grandeur reigned supreme in the air, Khovanshchina is not in Russia, it’s non-Russians have gotten a grasp) of the police officers who own, among other things, methods and connections for collection activities. There are more important issues for deputies of all levels. One Milonov fights with LGBT people, the rest are preoccupied with Eurovision. This is irrelevant, about collectors, for the sovereign Duma.
            1. yushch
              yushch 17 May 2016 17: 36
              +12
              Quote: 97110
              Quote: Patriot 1
              Collectors with their own methods of work - no comment ..... judge and plant!

              Who will judge and sit? Which, completely, criminals? Who will let them in such a feeder? The entire Criminal Code is against the participation of criminals in collecting the returned money. Recently I met a friend, a former deputy chief. district police department. How, what: on a percentage of collected overdue loans at a bank. A solid jar. And who will condemn and imprison the former deputy head of the police department? What must he do to condemn and land? Call the third time in the reporting week to a specific bad borrower? And where are you going to get reduced as unnecessary (grandeur reigned supreme in the air, Khovanshchina is not in Russia, it’s non-Russians have gotten a grasp) of the police officers who own, among other things, methods and connections for collection activities. There are more important issues for deputies of all levels. One Milonov fights with LGBT people, the rest are preoccupied with Eurovision. This is irrelevant, about collectors, for the sovereign Duma.


              I haven’t heard of similar methods of collecting debts from collectors in the Caucasus, I mean burning or injuring relatives. Do you know why? Because even the former police officers, not to mention the simple former police officers, are not bulletproof and can also burn out in their apartment .If the collectors begin to mess, then they should get a similar answer. If they know that the answer will be the same, I think their agility will decrease.
              1. igorka357
                igorka357 19 May 2016 04: 19
                +1
                Here in Siberia, collectors only get the phone calls, the city is not big, and there are a couple of collection agencies .. there were a couple of cases eight years ago, they threatened debtors! And then they crippled them a couple of times, stopped walking, I don’t know why they are we have in the city, they can not be seen not heard)).
            2. Essex62
              Essex62 17 May 2016 18: 26
              +4
              It is IMPOSSIBLE to solve such problems in the conditions of wild (and it doesn’t happen to others) capitalism! The thirst for profit, the desire to break the ribbon first, stepping on his feet, or even the heads of competitors, does not leave any opportunity for social. justice and even the enforcement of laws. Law enforcement officers participate in this process, together with people from power. If the concepts of conscience, decency, compassion have left the worldview of people, if the taboo on harming even a child has gone!
          2. Nikolay K
            Nikolay K 17 May 2016 09: 43
            +10
            I think if there is an advertising sign: "Loans at 700% per annum", there will be much less people who want to use this service.


            Do you really think that borrowers do not understand that 2% per month and 700% per annum are almost the same thing? You think they can’t multiply the number of days in a year by two? Most take such loans because 1. They are too lazy to go to the bank and collect a package of documents for a loan. 2. They need money urgently, because they do not like to plan at least a week. 3. Borrowers are legally illiterate and do not understand, for example, that they are charged predatory interest for delay. 4. There are frankly criminal borrowers who are not going to give a loan, they do not care what percentage in the contract. And most importantly 5. Many are not used to THINK at all. They first take a loan and then puzzle over how to repay it. That's what our legislator needs to fight
            1. Tequilla
              Tequilla 17 May 2016 11: 20
              +3
              Plus you from a bank employee)))
            2. weksha50
              weksha50 17 May 2016 12: 06
              +6
              Quote: Nikolai K
              They first take a loan and then puzzle over how to repay it. That's what our legislator needs to fight



              Our population in the majority is not only financially, but also legally illiterate, and this is one of our main troubles ...

              But in some cases, it’s a pity even the headless loan recipient ... He died close ... There is no money available (not all of us are rich or middle-income) ... The bank doesn’t get a loan right away, but at the IFRS almost immediately .. . I grabbed it at the funeral - it wasn’t before thinking it over ... But tomorrow or the day after tomorrow it was suddenly cut off at work ... Here it is - it’s flying ... I did it, I brought one of the examples I know ... And they cost the funeral - well, right almost like a banker buried ...

              That’s the trouble ...
              1. Nikolay K
                Nikolay K 17 May 2016 15: 16
                0
                I agree. It would be better if our state, instead of advertising "national treasure", would explain elementary things to ordinary citizens on TV
                1. weksha50
                  weksha50 17 May 2016 16: 17
                  +6
                  Quote: Nikolai K
                  I agree. It would be better if our state instead of advertising "national treasure" would explain simple things to ordinary citizens on TV



                  Legal and financial educational program for the people is urgently needed ...

                  And if this was previously problematic, now there are all the laws in bookstores, and the Internet is at hand - ask questions, be interested, just don’t be lazy ...

                  And as for your phrase that I highlighted, it’s so unprofitable for the state to have a competent population, who will spend valuable time on TV for you ??? They are better than stupid ads and stupid talk shows will show ...
                2. igorka357
                  igorka357 19 May 2016 04: 24
                  0
                  Ha ha, do not tell the ratings of the channels will go negative ... no one will watch financial lessons on TV!
              2. Bath
                Bath 17 May 2016 17: 56
                +4
                Was it literate in the 90s to Sberbank to freeze all Soviet deposits? my Soviet thousand remained in this hole, but do we need to explain the purchasing power of our and Soviet thousand? as the bank does with the people, so the people should do with the lenders and, in general, usury is a great sin
                1. igorka357
                  igorka357 19 May 2016 04: 26
                  0
                  My father had 19 tr., In translation to our plus percent, I would become a millionaire))!
              3. igorka357
                igorka357 19 May 2016 04: 22
                0
                Now there are serious firms that extend your credit to you for life ... for three hundred rubles a month. Just to turn to them, you need to take another loan)).
            3. sgazeev
              sgazeev 17 May 2016 13: 39
              -4
              Quote: Nikolai K
              I think if there is an advertising sign: "Loans at 700% per annum", there will be much less people who want to use this service.


              Do you really think that borrowers do not understand that 2% per month and 700% per annum are almost the same thing? You think they can’t multiply the number of days in a year by two? Most take such loans because 1. They are too lazy to go to the bank and collect a package of documents for a loan. 2. They need money urgently, because they do not like to plan at least a week. 3. Borrowers are legally illiterate and do not understand, for example, that they are charged predatory interest for delay. 4. There are frankly criminal borrowers who are not going to give a loan, they do not care what percentage in the contract. And most importantly 5. Many are not used to THINK at all. They first take a loan and then puzzle over how to repay it. That's what our legislator needs to fight

              The bulk of borrowers, these are people looking for problems, think at random. In my entire life I took out a loan twice: in the USSR for the purchase of a TV and in the Russian Federation for the purchase of an electric stove at 29% per annum, I paid ahead of schedule, because I worked as a retired bank. Russian Standard, its license was revoked last year.
              1. Meckajiuhe
                Meckajiuhe 18 May 2016 08: 08
                0
                the bank has a Russian standard, didn’t recall anything., do not deceive people.
                1. igorka357
                  igorka357 19 May 2016 04: 28
                  0
                  Yeah, but most of those who took a loan in it stupidly beat him ..
            4. krops777
              krops777 17 May 2016 16: 56
              +1
              Do you really think that borrowers do not understand that 2% per month and 700% per annum are almost the same thing? You think they can’t multiply the number of days in a year by two? Most take such loans because 1. They are too lazy to go to the bank and collect a package of documents for a loan. 2. They need money urgently, because they do not like to plan at least a week. 3. Borrowers are legally illiterate and do not understand, for example, that they are charged predatory interest for delay. 4. There are frankly criminal borrowers who are not going to give a loan, they do not care what percentage in the contract. And most importantly 5. Many are not used to THINK at all. They first take a loan and then puzzle over how to repay it. That's what our legislator needs to fight

              Yes, everyone understands everything, only when there is no money from a hangover, they still go and occupy substituting their children, parents, and relatives. My opinion of collectors and micro-financial organizations should be banned, well, we have wild capitalism, and banks should be more careful about who to give, and now all loans at large banks are insured or the court and bailiffs.
          3. Mahmut
            Mahmut 17 May 2016 09: 50
            +13
            I don’t understand what legislators are trying to achieve. All laws have already been passed. For example, in 1993, a presidential decree banning banking activities of any organizations not licensed by the Central Bank was issued. And then all these MMMs, Tibet and other offices attracted money from the population. So microcredit organizations are also in fact engaged in banking activities. Maybe they have a license? - Hardly. What prevents them from covering now, and to recognize debt obligations as null and void. Never mind. The prosecutor's office is inactive, waiting for some new laws only because it does not know about the laws in force.
            Secondly, if anyone believes that he owes money, then he is entitled by law to go to court. And only by a court decision a writ of execution is issued. And not just anyone, but a bailiff who has a legal right. And then you’ll get hold of any person in the basement until he pays. Say illegal imprisonment, hostage-taking. And the lawyer will say that we do not have a law prohibiting private prisons and until the State Duma adopts such a law, do whatever you want.
            1. sunzhenets
              sunzhenets 17 May 2016 10: 39
              +14
              Mahmoud, you do not own information on the topic.
              The activities of microfinance organizations are not banking and are regulated by the federal law "On Microfinance Organizations". There is a state register of microfinance organizations in which they should be members. There is administrative responsibility for violations of the requirements of this law.
              Therefore, the prosecutor’s office will not cover them, and the courts of the contract do not recognize them as invalid. Judicial practice is mainly about freedom of contract. Signed up? Pay.
              Collection activities, of course, must be prohibited. Generally. But it is even more necessary to ban the activities of microfinance organizations, from the activities of which one harm.
              P.S. I would recommend the author of the article to be more careful, because the name "microcredit organization" is incorrect.
              1. Mikado
                Mikado 17 May 2016 16: 09
                +5
                Thank you for the educational program, I didn’t turn to such people myself, so at least I will learn from an intelligent person. drinks
                Although kill, I do not understand the logic of the existence of organizations, where you occupy 5000, and give 250 000. This is nonsense a priori! fool The feeling that the bandits wrote the law on such organizations. The state itself creates problems in the form of giving work permits to virtually extortionists (the so-called "microfinance organizations"), and even adopting special "laws", and then begins to bravely beat in the tail, upsetting the bandits-collectors.
                As the saying goes, do not wish evil to others, but after reading only the listing of crimes at the beginning of the article, let each of them deserve it!
                1. igorka357
                  igorka357 19 May 2016 04: 34
                  0
                  And you didn’t overdo it with “you borrow 5000, and you give 250000?” Where is that?
            2. 97110
              97110 17 May 2016 15: 07
              +3
              Quote: Mahmut
              I don’t understand what legislators are trying to achieve.

              Nobody understands. Vysotsky has a wonderful address: "We will write to Sportloto." Need to work. The prosecutor's office should ... Yeah, it should. How many specialists are there in the district prosecutor's office? And how many tasks should they complete? Today, the lashed-out prosecutor's office is concerned with passenger traffic, tomorrow - with the Criminal Code and apartment buildings, the day after tomorrow - with a salary at a deceased plant, then - with patching on roads, non-payment of common houses in the house with a built-in store. Can he finish one thing professionally? Legislators are not aware that they are primarily required to try to enforce laws? They are not stupid people, they understand that in this field, except for the neck, nothing shines. So they are at war with LGBT people and make statements about Poroshenko. The President will give the command - the prosecutors will correct. Well, how they regulated prices. What is the law? And the State Duma was created for another. To create the appearance of democracy, to direct the efforts of the YUS towards a real transformation of visible democracy into the rule of the American people.
            3. igorka357
              igorka357 19 May 2016 04: 32
              0
              There are no private prisons, for there is the right to freedom, the presumption of innocence, and illegal imprisonment! So do not distort the facts, but the collectors ... but as soon as I crossed the threshold of your house .. beat, it hurts, hard .. but not to death!
          4. yehat
            yehat 17 May 2016 11: 58
            +1
            need standards. It is necessary to somehow protect the idiots from themselves, because living in a world of predators is not pleasant.
            1. igorka357
              igorka357 19 May 2016 04: 36
              0
              Yes, here you yourself need to either be a predator, or grow brains .. otherwise, nothing!
          5. weksha50
            weksha50 17 May 2016 12: 02
            +3
            Quote: Patriot 1
            To oblige all credit organizations to register information at the legislative level (contracts, advertising signs, booklets, etc.)from the calculation of the interest rate per year.


            Hmm ... This has long been done and spelled out in the Federal Law "On Banking" and the Instruction of the Bank of Russia ...

            However, our characteristic Russian activity is that there are laws, but they DO NOT WORK !!! And there is NO control over their execution !!!

            In addition, everything Volodin writes about is mainly related to microfinance organizations, the legislation on which has not yet been worked out and has been hanging in the air for years ... The project is hanging in the Duma, it is rejected and rejected ... Think about who benefits from it ...

            For the same reason, we do not see or hear anywhere what criminal measures a collector has incurred for his actions ...
            1. igorka357
              igorka357 19 May 2016 04: 40
              0
              Come on, google to help, collectors are punished .. what’s more than just the state, it also happens that the cool gangster collector after going to the debtor no longer thinks of working in such an agency ..))!
          6. Altona
            Altona 17 May 2016 16: 34
            +4
            Quote: Patriot 1
            Collectors with their own methods of work - no comment ..... judge and plant!

            ---------------------
            Collection in its current form is pure criminality and extrajudicial reprisal. So this "law", with permission, will, on the contrary, strengthen their positions. Lawlessness will be as before, but "under the shadow of the law." Here they say, there is a "law on collection activities" and we, the collectors, are spelled out in it, and you are a debtor you can even go to court, even to the prosecutor's office. They will simply wash their hands and say "must-return," he signed the contract himself.
          7. Bath
            Bath 17 May 2016 17: 45
            +1
            I’m thinking, lads, it’s necessary for all collectors to Ukraine to send a debt, they’ll let them work, but seriously, if all the illegal actions of the collectors are reflected in administrative and criminal law, the hooligan collector write a statement to the Department of Internal Affairs committed a crime against you write a statement to the Department of Internal Affairs strongly doubt that these citizens the native police love the loans themselves, they probably have some reason to adopt a special law, there is a well-developed mechanism
        2. The comment was deleted.
        3. user
          user 17 May 2016 10: 45
          +5
          Why the State Duma of the Russian Federation postponed consideration of the bill on the activities of collection companies


          And why the same Duma will not consider the law on confiscation of property or the law on the unified pension system (so that all pensions in the Russian Federation are accrued according to the same rules and standards, without any special conditions for a narrow circle), but why can this be listed for a long time.

          The main thing is when the time comes to go to the polls. You do not forget these things, with all your skepticism towards this system.
          1. igorka357
            igorka357 19 May 2016 04: 43
            0
            You are talking about uniform pension standards, such nonsense has been frozen, Mama Do not Cry! All my life in Magadan and Kolyma I plowed a long-haul, and retired to me the same as a librarian to Moscow's grandfather, esteemed respected!
        4. Kostyar
          Kostyar 17 May 2016 17: 53
          +2
          Naryshkin and Matvienko, ghouls whose interests represent ...?!
          They fussed, ran in, offered .... dogs despicable !!!

          ps: I have never taken a loan in my life, but still I consider these people to be scum, representing the interests of lawless people !!!
      2. Nikolay K
        Nikolay K 17 May 2016 08: 40
        +23
        And let's ban the police, because some policemen arrange legal chaos. Or drivers, because they arrange road showdowns, cut other cars and because of them, REALLY die thousands of people. And still it is necessary to explicitly ban officials, that’s where there is continuous crime and corruption, and also to ban. . .
        And you name the sphere, where are we all clean and fluffy? The case presented in the article is an outright crime, and it is necessary to imprison such people with the severity of the criminal code. Instead of adopting populist laws, it would be better to figure out why the police do not consider citizens ’complaints about threats or minor violations of the law. If inadequate collectors knew that the Criminal Code in our country is not just a collection of horror stories, but the current LAW, then they would behave differently.
        1. k1995
          k1995 17 May 2016 08: 45
          +8
          They all know, only work under the roof of the Ministry of Internal Affairs
          1. Nikolay K
            Nikolay K 17 May 2016 09: 47
            0
            Then you need to adopt a law on the eradication of corruption from the bodies of the Ministry of Internal Affairs and the prosecutor's office, and not turn the arrows on the evil uncles in the offices.
            1. alicante11
              alicante11 17 May 2016 12: 17
              +1
              This is how the "crown princess" Elisabeth received it. But no one is in a hurry to perform.
            2. weksha50
              weksha50 17 May 2016 13: 32
              +2
              Quote: Nikolai K
              Then you need to adopt a law on the eradication of corruption from the bodies of the Ministry of Internal Affairs and the prosecutor's office


              Isn’t there too many monotonous anti-corruption laws in one country ???

              There is one, and that one doesn’t work ... And if it does, it is sluggish and distracting ... selectively, so to speak ... If it worked, a lot of problems in the country and the state would be solved ...
            3. 97110
              97110 17 May 2016 21: 57
              0
              Quote: Nikolai K
              Then you need to adopt a law on the eradication of corruption from the bodies of the Ministry of Internal Affairs and the prosecutor's office, and not turn the arrows on the evil uncles in the offices.

              There is a Federal Law "On Combating Corruption" Serious document. It is mainly aimed at disciplining all municipal employees, with a salary of 10-20 thousand rubles. per month. Well, there will be one more, separately for law enforcement officers. And so you won't catch the district police officer, here he will additionally declare. There are enough laws. We must apply. Who will make you? Hope for time. There is a tendency in society. But - do not survive.
        2. alicante11
          alicante11 17 May 2016 12: 16
          +4
          And you name the sphere, where are we all clean and fluffy?


          So now, in any area not to take any measures to bring it into "clean and fluffy"? The deputies are trying to regulate the activities of the collectors. If we take your examples, then create "traffic rules" or "police law". Why is that bad? Personally, these ... got me. My father was given a number with prepaid internet and calls for 4 months for the shares in the Beeline. He gave a SIM card to the inside, that is, to my son. But it turned out that the number belonged to some debtor. So they call, and mostly on weekends. Any explanation that the number was purchased less than a month, two, three ago, does not bother anyone. And this is taking into account the fact that since 2008, when I repaid the last one, I have not taken a single loan and, it seems, I have nothing to do with the collectors.
        3. igorka357
          igorka357 19 May 2016 04: 45
          0
          That is, three cases of collector chaos receive loud coverage in the media, and the fact that there are thousands of cases, everyone is silent! Thugs everywhere exist!
      3. Achilles
        Achilles 17 May 2016 10: 36
        +2
        Collectors brewed the door of the garage of a person who borrowed from the micro-credit organization 10 thousand rubles.

        In the Ulyanovsk region, collectors threw a petrol bomb into the window of a house of debtors on a loan, a 2-year-old child was seriously injured.
        Collectors raped a woman in front of her husband and child.

        In Volgograd, collectors beat the debtor’s parents.


        In the Kaluga region, sewers beat the debtor’s pregnant wife.

        In St. Petersburg, the collectors have published the data of debtors on the site for the provision of intimate services.


        I don’t know how others do, but if they did this to me, I would trace where they live and wage such a war for them that they would be left without apartments and cars and they certainly would not know who caused them this, I think after that they would refuse such methods at once, and if everyone acted like that, I think we could forget about the collectors. Collectors are not people. Take off. Tough.
        1. weksha50
          weksha50 17 May 2016 13: 34
          +3
          Quote: Achilles
          I don’t know how others do, but if they did this to me, I would trace where they live and wage such a war for them that they would be left without apartments and cars and they certainly would not know who caused them this, I think after that they would refuse such methods and immediately and if everyone acted like that, I think about the collectors we could forget




          Um ... Well, they would have been imprisoned for a long time ... Not them, but you ... hi
          1. PSih2097
            PSih2097 17 May 2016 14: 12
            +3
            Quote: weksha50
            Um ... Well, they would have been imprisoned for a long time ... Not them, but you ... hi

            well, I don’t know - I don’t know, we caught one such "telephone terrorist" that year, he liked to call at night with threats of reprisals against his friend, so after an explanatory conversation (like - if you want to get money - go to court, get a writ of execution and blow to the bailiffs) pulled him out of the city.
            The most interesting thing is that he did not want to do this according to the law because he threw another 100 percent (for work) on him and cut the meter for the whole amount, but he doesn’t do this in court ...
            1. weksha50
              weksha50 17 May 2016 16: 21
              +1
              Quote: PSih2097
              Well, I don’t know - I don’t know, that year we caught one such



              I forgot to add the phrase in my comment: "If caught" ...

              That's what a shame that even the one you caught, even YOU (if you get caught) acted outside the law ... Guess three times - who would have suffered the most from the action of the alleged law?
  2. Ivan Slavyanin
    Ivan Slavyanin 17 May 2016 06: 28
    +20
    Doors to the conference room also brew, run collectors there together with the deputies and do not let them out until they pass the law on collectors!
    1. Very old
      Very old 17 May 2016 06: 55
      +25
      And then our deputies will adopt the law on collectors in favor of ... collectors
      1. SSR
        SSR 17 May 2016 07: 07
        +10
        Quote: Old very
        And then our deputies will adopt the law on collectors in favor of ... collectors

        ))) they don't go to the collectors from a good life, I'm talking about girls who sit there and call and listen, but the girls at this job then try to go on maternity leave, the payments are good, but the "muzhchinki" going there are almost 80% of the gopot who does not want to work hard and who found a loophole for themselves to legally squeeze money out of people and receive "bonuses" for it.
        For me personally, a man who went to the collectors is an uneducated person who, if he got a crust of "economist / lawyer / psychologist", then in a sharazhkin office he did not receive real skills and knowledge.
        1. vladnn2015
          vladnn2015 17 May 2016 09: 21
          -8
          Quote: SSR
          this is a poorly educated person

          But the SSR who wrote the comment is truly educated ... laughing
          1. sunzhenets
            sunzhenets 17 May 2016 10: 41
            -2
            And then! The punctuation marks are visible.
          2. SSR
            SSR 17 May 2016 22: 11
            0
            Quote: vladnn2015
            Quote: SSR
            this is a poorly educated person

            But the SSR who wrote the comment is truly educated ... laughing

            Well, it’s good that you are pushing your forehead, you are our erudite.
            Quote: Sunflower
            And then! The punctuation marks are visible.

            And what do punctuation marks show you? Vision +5?
            In short, I didn’t graduate from a non-Russian school and God forbid that you speak and write in a language that is not quite native as I write and speak.
            Quote: alicante11
            they don’t go to collectors from a good life, it's about the girls who sit there and ring and listen, but the girls at this work try and then go on maternity leave


            Oh, come on, they will pay her maternity, keep your pocket wider. If it is not a problem for them to burn a child and rape a woman, then only a complete du.ra will go to knock them out of maternity. And she very soon woke up somewhere at the bottom of the river with a load on her feet.

            I don’t hold my pocket wider since I’m not her))) but personally in our city there is such an office (and in such centers it’s not only scavengers that work, there are also girls who call all the numbers in the database) and this is famous and excellent that not arsonists and rapists, the city is small and there are many swamps.
        2. alicante11
          alicante11 17 May 2016 12: 20
          +1
          they don’t go to collectors from a good life, it's about the girls who sit there and ring and listen, but the girls at this work try and then go on maternity leave


          Oh, come on, they will pay her maternity, keep your pocket wider. If it is not a problem for them to burn a child and rape a woman, then only a complete du.ra will go to knock them out of maternity. And she very soon woke up somewhere at the bottom of the river with a load on her feet.
    2. ava09
      ava09 17 May 2016 07: 02
      +6
      Quote: Ivan Slavyanin
      Doors to the conference room also brew, run collectors there together with the deputies and do not let them out until they pass the law on collectors!

      It’s a pity, you cannot drive all the fools into that room with them ...)
      1. Owl
        Owl 17 May 2016 07: 19
        +10
        And burn it ... The main thing is that the doors are strong and do not open, even from the outside, otherwise they will suddenly buy someone or someone is on the wrong side of the door ...
        1. alicante11
          alicante11 17 May 2016 12: 22
          +1
          And burn it ... The main thing is that the doors are strong and do not open, even from the outside, otherwise they will suddenly buy someone or someone is on the wrong side of the door ...


          But do not bend the stick? And it’s not so far from gas chambers. There are more humane ways of instructing on let the true lost sheep. Saw in the teeth on felling. And there already someone will survive.
    3. techie
      techie 17 May 2016 10: 43
      +2
      I remember in this way a long time ago the Pope was chosen. And it really helped! Have chosen. And before that, nothing laughing
  3. Same lech
    Same lech 17 May 2016 06: 31
    +3
    Doors to the conference room also brew, run collectors there together with the deputies and do not let them out until they pass the law on collectors!


    It will not work in the same Zhirinovsky will
    smile
  4. dmi.pris
    dmi.pris 17 May 2016 06: 38
    +14
    Debt collection, only by court and bailiffs, and not by private gangsters .. And about opening the door .. So it is necessary in the Duma, the Kremlin and the government, let these collectors collect debts, they still have them ...
    1. Alexander Romanov
      Alexander Romanov 17 May 2016 07: 25
      +16
      Quote: dmi.pris
      Debt collection - only by court and bailiffs, and not by private gangsters ..

      So it should be, but a compassionate deputy will speak and, having rubbed a stingy deputy tear, he will say, and tens of thousands of collectors will remain without work. Than they will feed their families.
      Our deputies cannot pass the law on p.ornuchi in Russia for 20 years. They cannot decide there, what makes Porn different from erotica.
      The law on fighting dogs was not adopted, although there was a lot of noise.
      And now they will pull the vanka, the banking lobby, will resist to the last.
      1. Nikolay K
        Nikolay K 17 May 2016 08: 54
        -1
        Collectors without work is garbage. The main problem, if without jokes, is that there is a civil code, the origins of which go back to Roman law, and one of the immutable rights of a creditor has always been the ability to transfer rights of claim to its debtors to third parties. Without this, the legal system cannot function normally, and with it the economy. Banks cannot issue loans, manufacturers submit deferred payment for their goods, etc. Stupidly, it is impossible to prohibit, as particularly noisy deputies tried to propose. And the fact that then some new creditors, no matter how to call them: collectors, Charlie's angels, prisoners of conscience - behave inappropriately and frankly criminally - this is the problem that needs to be addressed. But I don’t understand why to invent new laws for this. For that matter, now the intrusive sellers of any super-crap often bring much more inconvenience. We have a law on the protection of personal data, so introduce restrictions on ANY unwanted obsessive calls and contacts.
        1. 97110
          97110 17 May 2016 09: 40
          +7
          Quote: Nikolai K
          But I don’t understand why to invent new laws for this.

          And to create the appearance of preoccupation with popular problems. To force the POLICE (the Soviet man to flinch) to fulfill what is written in the Codes? We must be realistic. But something must be done. So they brought cancer for the stone to the entire Duma.
          1. PHANTOM-AS
            PHANTOM-AS 17 May 2016 11: 06
            +8
            Only cowards give debts! laughing
            In general, throwing a commercial bank is a pleasure.
            I hate those fat bankers, and I like the next bank robbery.

            But seriously, the entire banking system, as well as the economic policy of the state-va, is vicious!
            But the people are silent, not ripe for protest, then everything suits him.
            You can break a branch, but let them try a broom.
          2. Nikolay K
            Nikolay K 17 May 2016 11: 38
            +2
            I agree. Here our rulers decided to fight against non-payment of salaries, they even came up with a special article in the Criminal Code and appointed them responsible. . . . investigative committee. Now employees who deal with especially serious crimes in the economy, murders, etc. forced to parse citizens' complaints about the delay in salary in 7000 rubles.
        2. alicante11
          alicante11 17 May 2016 12: 32
          +3
          Stupidly, it’s impossible to ban, as particularly noisy deputies tried to propose.


          Come on, without loans, people lived and will live on. Only prices will be lower. And then with these loans already offer shoes on credit. Soon we will start to take food on credit.
        3. PSih2097
          PSih2097 17 May 2016 14: 18
          0
          Quote: Nikolai K
          and one of the immutable rights of the creditor has always been the ability to transfer rights of claim to its debtors to third parties. Without this, the legal system cannot function normally, and with it the economy.

          You yourself contradict yourself ...
          Quote: Nikolai K
          We have a law on the protection of personal data,

          because one without the other no how. There are Civil Code and Civil Procedure Code, there are courts and FSSP.
      2. Fly tsetse
        Fly tsetse 17 May 2016 11: 20
        -5
        Quote: Alexander Romanov
        The law on fighting dogs was not adopted, although there was a lot of noise.

        And why didn’t the dogs please you? crying
        I will disappoint you, if you prohibit fighting dogs, then there will be more victims, infa 100%!
        Because all sorts of drunks and other inadequate people will start to hold servicemen instead of fighting ones, and these, as a rule, are much more dangerous for a person!
        Because the fighting breeds are initially devoid of aggression on humans, according to the rules, the owners take the dogs in the ring and everyone holds the opponent’s dog, during the fight they stand nearby and, if necessary, separate them with their bare hands, while the dogs never rush at people.
        But servicemen initially like to "work" on a person, during detention, as a rule, they work with malice, and not "on the sleeve", like fighting men. Fighting in general often do not work for detention, the genes are not the same.
  5. Knowing
    Knowing 17 May 2016 06: 41
    +15
    Apparently, there is no interest in the "servants" of the People to deal with the problems of that very People; for deputies and senators WE are only the electorate ... And that means: The salvation of the drowning is a matter of the drowning themselves.
    1. ALABAY45
      ALABAY45 17 May 2016 08: 52
      +14
      Looking for insects ?! Touching ... The Chief Baboon lay down ... belay Well, I don’t go to the polls ...! I'd rather spill the potatoes, check the nets, with my grandchildren I’ll play a new sandbox or change the butter in the Chevy-Niva ... That's all, good for me! Now the people will be outraged that because of people like me, such primates to power come! People, we have nothing to do with it! I've been living for a long time ...
      1. guzik007
        guzik007 17 May 2016 10: 11
        +3
        Looking for insects ?! Touching ... The Chief Baboon lay down
        --------------------------
        ))))
        Or maybe sweet memories of a shared night?
      2. creak
        creak 17 May 2016 10: 58
        +7
        Quote: ALABAY45
        Looking for insects ?! Touching ... The Chief Baboon lay down


        This photo, in my opinion, is an eloquent answer to all questions regarding why the Duma does not pass laws, in the interests of ordinary people.
        Well, what may be the questions for such organisms? .. fellow
        In the meantime, in search of funds to replenish the budget, there is not enough money again, the authorities are trying to act as in that joke:
        What needs to be done to make the cow eat less and give more milk?
        It is necessary to feed her less and milk more often ... what
        Hence the savings on pensioners and state employees in the spirit of the last proposal of the Minister of Economic Development Ulyukaev ..
  6. Igor39
    Igor39 17 May 2016 06: 53
    +10
    Yeah, the bourgeois government will tell the banks and their bouncers to leave the people alone. The same methods need to take money from the oligarchs for the needs of the people.
  7. sa-ag
    sa-ag 17 May 2016 07: 04
    +3
    Second-tier central bank banks, collection agencies, somewhere on the side of the power are the National Guard, the Ministry of Internal Affairs, the FSB, the army, the Ministry of Emergencies, an interesting graph, that would be to build all the dependencies
    1. Cat man null
      Cat man null 17 May 2016 07: 47
      -2
      Quote: sa-ag
      Second-tier Central Banks-collection agencies

      Not this way..

      Central Bank - second-tier banks - "quick money" of all kinds - idiotswho borrow money there at 500+% per annum .. and then collectors ..

      Quote: Article
      Banks with a reputation in extremely rare cases decide to “redirect” “hanging” debts to collectors offering their services. Simply because any self-respecting bank is insured against non-payment risks, and therefore it’s more expensive to go along the path of contacts with outright criminals for such a bank

      - but idiots they will never go to a "reputable bank" for anything. because there is a higher percentage laughing
      1. sa-ag
        sa-ag 17 May 2016 08: 19
        +2
        Quote: Cat Man Null
        - idiots who borrow money there at 500+% per annum ..

        No, this is not part of this structure, so to speak, it is already an electorate that delegates power with the help of which they handle the electorate in the manner described in the article
        1. Cat man null
          Cat man null 17 May 2016 08: 51
          +6
          Quote: sa-ag
          Quote: Cat Man Null
          - idiots who borrow money there at 500+% per annum ..

          No, this is not part of this structure, so to speak, it is already an electorate that delegates power with the help of which they handle the electorate in the manner described in the article

          Sorry mnu ..

          The electorate does not delegate authority to the authorities to choose for him whom he, the electorate, to borrow money from., So? So..

          - * the diot will go to Bystrodengi (read - to the bandits, practically)
          - not really * the diot will go to the Russian Standard (the same bandits, in general, only clean-shaven and decently dressed)
          - almost no * diot will go ... yes to Sberbank, for example .. these certainly will not be sold to collectors, they, if anything, will be long and tedious to sue .. or even spit ..
          - not at all a * fool .. will not go anywhere laughing or will be looking for rich friends, nakraynyak

          Something like that, huh? wink

          PS: once again call me "readership" - I will have to demand disinfek .. pah! satisfaction, here yes
      2. sdc_alex
        sdc_alex 17 May 2016 09: 05
        +1
        Quote: Cat Man Null
        because there is a higher percentage

        or, say, documents require. Such as 2NDFL. And since these
        Quote: Cat Man Null
        idiots
        for a "gray salary", then for this 2NDFL in a decent bank you can get only a penny, but you need much more, you want to live.
        And many work for a white salary
        Quote: Cat Man Null
        idiots
        they don’t want to, because "why am I going to feed the state and all kinds of Rotenbergs there", I will work for myself.
      3. Hello
        Hello 17 May 2016 09: 38
        0
        Quote: Cat Man Null
        - and idiots will never go to a "bank with a reputation" for anything .. because the percentage is higher there

        And also because there is a high probability that they will be sent, but I really want fast money.
        fool
        1. Cat man null
          Cat man null 17 May 2016 10: 19
          +2
          Quote: sdc_alex
          or, say, documents require. Such as 2NDFL

          Quote: Hello
          there is a high probability that they will be sent, but I really want fast money

          - Sber now gives up to one and a half lyam for arbitrary purposes, without security, for 5 years. The percentage is about 20 per annum. I was personally interested, I’m sitting without work, money ..

          Like this yes
          1. Hello
            Hello 17 May 2016 12: 35
            0
            Quote: Cat Man Null
            The percentage is about 20 per annum.

            This is from what incomes do they give such interest? From drugs? belay
            1. sdc_alex
              sdc_alex 18 May 2016 05: 53
              0
              About how a US comrade is surprised at the rate in 20% !!! laughing
              Yes, for us, Russians, you know, this is still "godly", because in our country even 40% has not been considered robbery for a long time. From us and at 800%, some loans are taken and nothing.

              That's how we live! This is not the USA for you, this is harsh Russian reality! laughing
  8. 9057654472
    9057654472 17 May 2016 07: 07
    +13
    Someone hires a gentleman, a collector, which means that both the collector and the customer, in whose favor the debts were repaid, should be equally prosecuted, even if the debt was overbought.
    1. Nikolay K
      Nikolay K 17 May 2016 09: 05
      +1
      You can find out why the collector should be prosecuted if he does not violate the law? And what does the bank have to do with a particular scumbag hired by the director of another company? If you follow your logic, then if some scumbag breaks someone's head with bricks, then the brick manufacturer needs to be planted with it?
      1. Hammer
        Hammer 17 May 2016 13: 04
        +5
        to burn a child and rape a woman is not a violation of the law? Do you understand what an order and a contractor are? If a killer kills a target, both the killer and the customer are planted, and not the gun manufacturer
      2. alicante11
        alicante11 17 May 2016 13: 19
        +6
        You can find out why the collector should be prosecuted if he does not violate the law?


        Please explain how a collector, without breaking the law, can recover a debt faster and more reliably than a bailiff?

        And what does the bank have to do with a particular scumbag hired by the director of another company?


        The most direct, he gave this scumbag a debt collector. If he had not handed over, then the child would not have been burned.

        If you follow your logic, then if some scumbag breaks someone's head with bricks, then the brick manufacturer needs to be planted with it?


        No, because the brick is not transferred to a thug to break someone’s head, unlike a credit delay, which is transferred specifically for collection. Moreover, banks are well aware that the collector will not be able to recover its collector by legal means.
        1. sdc_alex
          sdc_alex 18 May 2016 06: 05
          0
          I do not accept such a type of business as collection agencies, but the situation here is a little different, as I understand it.
          Bank not
          Quote: alicante11
          handed over to this scumbag debt recovery.
          , but sold a person’s debt obligations and received money from collectors for this. The bank did not order collectors to kill, burn, rape, etc. He simply sold, roughly speaking, a receipt. But by what methods collectors will collect this debt, the bank does not apply. You can try to recover in different ways, you can conduct conversations and persuasions, you can through the court, or you can use an iron .... It all depends on the cleanliness and honesty of the collector.
          Outline the permissible impact on the debtor, of course, you need. Although, in principle, the very fact of the existence of collectors casts doubt on the effectiveness of the judicial system and the system of bailiffs.
  9. avg-mgn
    avg-mgn 17 May 2016 07: 09
    +3
    Quote: dmi.pris
    And about to brew doors .. So it is necessary in the Duma, and in the Kremlin and in the government, let these collectors collect debts, there still are them ...


    No way! Restriction of rights and freedoms, forced retention of a person, terrorism (in the end) !!!
    But seriously, I’m completely at a loss from the inaction of the Prosecutor General. His holy duty is to monitor the implementation of the Law (see articles above), and new bills are not needed, enough of the Criminal Code of the Russian Federation, the Constitution (in the end).
    1. Nikolay K
      Nikolay K 17 May 2016 09: 08
      +4
      Apparently, our legislators want to adopt another criminal code, but specifically for collectors. All the same crimes will be indicated there, but the added word collector. I will tell you the titanic work, but there is nothing more for our deputies to do.
      1. Mikado
        Mikado 17 May 2016 16: 33
        +2
        Quote: Nikolai K
        I will tell you the titanic work, but there is nothing more for our deputies to do.

        But they will never accept the anti-corruption law.
        At one time, Comrade Lenin succinctly expressed himself about such a state body: "It's time to disperse this talking shop."
  10. ava09
    ava09 17 May 2016 07: 11
    0
    Only a CRIMINAL, in this case Power, commits a CRIME. Collectors are just one of the many crimes of the Authority. It is stupid to wait for the criminal to "tie up of his own free will"; it is necessary to re-educate him, preferably by isolating him from society.
    1. Alexander Romanov
      Alexander Romanov 17 May 2016 07: 45
      +9
      Quote: ava09
      Only the CRIMINAL, in this case the Authority, commits the CRIME. Collectors are just one of the many crimes of Power

      A convenient position, went grandmother robbed and blamed the authorities.
      1. ava09
        ava09 17 May 2016 08: 47
        +1
        Quote: Alexander Romanov
        A convenient position, went grandmother robbed and blamed the authorities.

        To accuse the position of being "convenient", at least one must understand it ...) The authorities (in this case, the Duma) were accused not of someone else's, but of their own actions, allowing others to commit crimes ("protecting" the collectors).
      2. sdc_alex
        sdc_alex 17 May 2016 09: 10
        +3
        Well, yes, like: "We are not like that, life is like that." This is all the vile government and the bloody regime of Putin brought them to this. wassat
        1. Cat man null
          Cat man null 17 May 2016 15: 11
          0
          Quote: sdc_alex
          Well, yes, like: "We are not like that, life is like that." This is all the vile government and the bloody regime of Putin brought them to this. wassat

          + 100 good
  11. Gardamir
    Gardamir 17 May 2016 07: 15
    +6
    What is the article about? That's what the search returned to me
    A new profession will officially appear in Russia - the collector. Debt collection will be taught at Russian universities, in particular, Financial University under the Government of the Russian Federation: this specialty will appear at Russian universities in 2017–2018, and the first graduations of “collection specialists” are planned in the 2020s. This was reported to Izvestia by representatives of the Presidential Council for the Development of Professional Qualifications of the Financial Market, which coordinated the development of standards for debt collectors. This council, which includes one and a half dozen financial organizations, works within the framework of the National Presidential Council on Vocational Qualifications (created in 2014). The next turning point in the development of this segment may be the cleaning of the collector market.
    1. Cat man null
      Cat man null 17 May 2016 07: 18
      +3
      Quote: Gardamir
      What is the article about? That's what the search returned to me
      A new profession will officially appear in Russia - the collector ... The next turning point in the development of this segment may be the cleaning of the collector market.

      Gardamir, is it good or bad? Thought finish if you can wink
  12. beer-youk
    beer-youk 17 May 2016 07: 16
    +20
    What is the noise about? Why is this law needed? There is a court, there is a CSP, which is obliged by the decision of the court to collect debts. And that's quite enough. And if a financial organization cannot provide legal support for a claim in court, hiring "collectors" - scumbags - extortionists, then it should be closed forever and its debts should be written off. If you do not know how to work according to the law, you will receive losses. And for "collectors" the law already exists - the Criminal Code of the Russian Federation.
    1. Leto
      Leto 17 May 2016 07: 32
      -5
      Quote: beer-youk
      Why is this law needed? There is a court, there is an MTP, which is obliged by the DECISION of the COURT to collect debts. And this is quite enough.

      Write nonsense. The court is only an opportunity to resolve the issue with the participation of the state, but not an obligation. You will take a neighbor 1000 rubles, and will return through the court?
      1. Alexander Romanov
        Alexander Romanov 17 May 2016 07: 46
        +1
        Quote: Leto
        . You will take a neighbor 1000 rubles, and will return through the court?

        From the foot to the jaw, give so quickly.
        1. Leto
          Leto 17 May 2016 08: 15
          +5
          Quote: Alexander Romanov
          From the foot to the jaw, give so quickly.

          Article 163 of the Criminal Code of the Russian Federation ...
          1. Alexander Romanov
            Alexander Romanov 17 May 2016 08: 20
            -1
            Quote: Leto
            Article 163 of the Criminal Code of the Russian Federation ...

            This is extortion of a stranger, and you are talking about the return of your mowing.
            1. Leto
              Leto 17 May 2016 08: 35
              +4
              Quote: Alexander Romanov
              This is extortion of a stranger, and you are talking about the return of your mowing.

              Oh ... in the 90s, so many people stopped by the "owner" because of such delusions. I understand the article says "the requirement to transfer someone else's property", but the suspect's opinion that this property usually does not really bother either the investigator or the judge. Even the presence of a receipt does not affect.
      2. Nikolay K
        Nikolay K 17 May 2016 09: 12
        +1
        Personally, I just spit on such a neighbor. Do you intend to return through the collector? I’ll disappoint you. For 1000 rub, the collector will not do such a thing at all.
      3. sdc_alex
        sdc_alex 17 May 2016 09: 13
        +1
        And you - through a collection agency ???
    2. ava09
      ava09 17 May 2016 11: 01
      +1
      Quote: beer-youk
      There is a court, there is an MTP, which is obliged by the DECISION of the COURT to collect debts. And this is quite enough.

      This would be quite enough if the state authorities acted in accordance with the Law and Goodwill. As long as they follow the logic: "The law is that the drawbar, where it turned, is what happened." They turn, you know, in which direction. Why don't legislators want to pass a law against organized crime called "collection agencies"? Think ...
  13. Monster_Fat
    Monster_Fat 17 May 2016 07: 18
    +22
    And why are you running into the deputies as the "root cause" of the existence of collectors? Not tired of playing the fool? Otherwise, you don’t remember how Mr. "P" said that in Russia the basis of the economy and its main link are .... BANKS and the main task of the state is all kinds of support for banks. In addition, quite recently, during a "direct" conversation with citizens of the country and journalists, Mr. "P", when asked whether it would be better to ban collection agencies altogether, replied that "this should not be done" because then the citizens will be completely "cut off" and will stop lending to banks, and banks are the backbone of the economy. This is where the "legs" grow in the continuation of the existence of collectors, and everything else is particular. The second side of the matter is that collection agencies are places for the disposal of former employees of law enforcement agencies who "left" themselves or were expelled from these bodies for various reasons, where they are closely linked with a semi-criminal element (living "by concepts") gravitating towards power structures or to criminal gangs, but unable or unwilling to get there. Former "siloviki" working in collection agencies continue to contact their "cronies" and "patrons" who continue to work in power structures, receiving from them the necessary information, "security cover", the necessary "cover" and paying for these "services" in part money "knocked out" from debtors. The same is done by "half-criminals" who have contacts in the criminal environment. This structure of interaction of collectors with security officials and bandits has long been "established" and turned into a profitable business that is part of the "feeding" of individuals in law enforcement agencies and gangs. Thus, the banking "lobby" and individuals in the power structures and the criminal element having access to the "state structures" in every possible way inhibit any restrictive activity associated with collection agencies.
    1. Leto
      Leto 17 May 2016 07: 35
      +3
      Quote: Monster_Fat
      "P" said that in Russia the basis of the economy and its main link are .... BANKS and the main task of the state is all kinds of support for banks.

      So it is necessary to understand due to what all this supposedly prosperity of the 2000s was carried out. They handed out money to people, they spent it raising many sectors of the economy, and now it has become sober, you need to give it back, the hour of reckoning has arrived.
    2. sa-ag
      sa-ag 17 May 2016 07: 37
      0
      Quote: Monster_Fat
      Mr. "P" said that in Russia the basis of the economy and its main link are .... BANKS and the main task of the state is all kinds of support for banks.

      Thank you, here is just one ambiguity of the bank and the authorities, who is the first or second most dependent on oil and gas, this is more or less clear ...
      1. Leto
        Leto 17 May 2016 08: 11
        +5
        Quote: sa-ag
        one ambiguity of the banks and the authorities, who is more or less dependent on the first or second

        The latter are forced to endure the former because without them it is impossible to manage the available funds that need to be pumped from one place and pumped to other places. It will not work otherwise.
        Watch any movie about the mafia, there is always a "godfather" who leads the "capos" and the militants, and at the same time, accountants and lawyers are known nationalities who launder the "capo" money. These groups do not respect each other very much because some of them have street education, others “Harvard”, but they have to get along because they depend on each other.
        This is the main reason for the confrontation between the "siloviki" and "liberals".
        1. Monster_Fat
          Monster_Fat 17 May 2016 08: 39
          +2
          Read here, purely for information: http://kolokolrussia.ru/sovetuem-pochitat/rotshildy-i-rokfellery-soyuz-neprimiri

          myh-imperiy
          1. PHANTOM-AS
            PHANTOM-AS 17 May 2016 11: 26
            +2
            Quote: Monster_Fat
            Read here, purely for information: http://kolokolrussia.ru/sovetuem-pochitat/rotshildy-i-rokfellery-soyuz-neprimiri

            Comrade, the link is entertaining, but everything was written much earlier.

            "Center of financial power in the capitalist world, center of financial
            The exploitation of the whole world from Europe has moved to America. Usually before
            the center of financial exploitation of the world were France, Germany and England.
            Now this cannot be said without special reservations. Now the center
            financial exploitation of the world are mainly the United States
            North America. This state is growing in every way: and in the sense of
            production, and in the sense of trade, and in the sense of accumulation. "
            ("XIV Congress of the CPSU (b)" v. 7, page 266.)
            European countries, while continuing to exploit their colonies, themselves fell
            now financially subordinate to America, in view of which, in turn,
            exploited and will be exploited by America. In this sense, the circle
            major financially exploiting nations shrunk
            to a minimum, while the range of exploited countries expanded.
            ("XIV Congress of the CPSU (b)" v. 7, page 269.)

            Temporary stabilization of European capitalism, about which I spoke
            higher achieved using mainly American capital and price
            financial subordination of Western Europe to America.
            ("XIV Congress of the CPSU (b)" v. 7, page 267.)
            I.V. Stalin.
    3. Nikolay K
      Nikolay K 17 May 2016 09: 18
      0
      Now in the collection market there are many debts of citizens for utilities. Are banks also to blame for this? There are always those who take a loan with pleasure, and then cannot or do not want to repay it. This, in fact, is the reason for the emergence of the collector market, because it was, is and will be. And with banks, more precisely with their predatory rates on loans, you just need to resolve the issue in an economic and administrative way, and not invent another conspiracy theory.
      1. PHANTOM-AS
        PHANTOM-AS 17 May 2016 10: 41
        +2
        Quote: Nikolai K
        Now in the collection market there are many debts of citizens for utilities. Are banks also to blame for this?

        The economic policy of the authorities is to blame for this, with their predatory rates on housing and communal services on the one hand and the impoverishment of the population on the other.
      2. ava09
        ava09 17 May 2016 15: 05
        0
        Do you work in the "banking sector"? Otherwise, such "reflections" cannot be explained ... If only not in the most unpleasant way for you.
    4. PHANTOM-AS
      PHANTOM-AS 17 May 2016 10: 45
      +1
      Quote: Monster_Fat
      Monster_Fat

      You have described everything perfectly, nothing to add.
      Thank you. hi
    5. ava09
      ava09 17 May 2016 14: 59
      +2
      Quote: Monster_Fat
      And why are you running into the deputies as the "root cause" of the existence of collectors?

      And the fact that the deputies of the State. Dumas are also the Legislative Power. If they are stupidly rehearsing the "P" commands, as you deigned to say, isn't it an expensive "repeater" for the people?
  14. Million
    Million 17 May 2016 07: 23
    +5
    Collectors are a profitable business. Apparently they have a strong lobby in the State Duma. Yes, and bankers support them.
  15. Alex66
    Alex66 17 May 2016 07: 28
    +11
    I don’t understand why we need a law on collectors, aren’t there any suitable articles: extortion, insult, threat of murder, beating ... nevertheless, there are many laws that can be written, but if the old ones are not executed, why will the new ones be executed? It is necessary to start from the top, while the authorities allow (close their eyes) to steal cars of money, no one will comply with the laws. The union fell apart from hypocrisy, they said one thing and did another. Now the government also says one thing, but does another. No new laws will help.
    1. Reptiloid
      Reptiloid 17 May 2016 08: 55
      +4
      I also thought and think, why these crimes do not reach the court? Or do they? And the court, the police? Sometimes I hear the words that someone has killed someone, and then apologizes to relatives for this in the courtroom. And when they talk about it, it seems like the subtext is: "Oh, what a fine fellow, he apologized!" KIND, is it his merit? Does the debtor apologize to the creditor?
      Or here's the law on self-defense. Everyone has heard that those who have exceeded this self-defense are being tried, despite the fact that there were several attackers with weapons. And the victim's wife and young children are nearby. Even if this law is "pulled by the ears" to the collectors, it still turns out --- savagery and absurdity.
      When my income increased, I made huge plans, and, getting under the influence of advertising, urged my mother to take loans. How well she didn’t listen to me and dissuaded me from this !!! And there are families who have worsened their living conditions due to the fact that their children, who were barely 18, took loans without denying anything to themselves.
  16. ism_ek
    ism_ek 17 May 2016 07: 32
    +6
    Collectors or criminals?
    The criminals are the leadership of the Central Bank and the government, which are pursuing a policy leading to the impoverishment of the population. Most of the collectors' "clients" are decent people whose incomes suddenly dropped. As Medvedev said, 80% of the crisis lies with the government and 20% on sanctions and oil prices. The economic situation needs to be corrected. Then in the clients the collectors will have only "marginals" and the question about them will close by itself. Now half of the clients of banks such as Russian Standard have stopped servicing loans.

    But in fact, the debtors themselves must be aware of whether it is worth contacting a dubious kind of microcredit office in general, which gave a loan of 10 thousand rubles, and after a month demands to return all 30, or even 50 thousand.
    And banks should not give a report, what are they doing? Sberbank now provides unsecured loans to the population at 33%, Tinkov at 70% - all of these loans in the current economic situation are non-repayable. It is impossible to repay such loans in the conditions of a falling economy. Most current borrowers are potential collector customers, and banks issuing such loans are bankrupt.
    1. Nikolay K
      Nikolay K 17 May 2016 10: 00
      +4
      Most of the collectors' "clients" are decent people whose incomes suddenly dropped.


      Personally, my parents taught me that taking someone else's is not good. This is called theft. If you took someone else's money and promised to return it, but didn’t return it, this is essentially theft too. Yes, the situations are different, incomes can fall, but for me personally it was always a priority to give someone else's money, and then it spins on my own. Moreover, any bank is ready to delve into the problems of the borrower and meet him by offering installments, restructuring, etc. In order for you to understand that I am not speaking in an abstract way, I was once forced to sell an apartment in order to repay a debt. And without any collectors, because he borrowed his relative from a friend.
      1. ism_ek
        ism_ek 17 May 2016 12: 57
        +3
        Quote: Nikolai K
        This is called theft.
        Read better laws. This is not theft, but civil law relations. You also write that bank debt is a debt of honor. The bank did not give money for free. Risks were included in the percentage of the loan.
        Quote: Nikolai K
        Yes, the situations are different, incomes can fall, but for me personally it was always a priority to give someone else's money, and then it spins on my own.

        Most people give priority to raising children and paying taxes.
        Quote: Nikolai K
        Moreover, any bank is ready to delve into the problems of the borrower and meet him by offering installments, restructuring, etc.
        None of the banks will give you installments, they can restructure at a higher percentage, but the result will be even worse.
        1. Nikolay K
          Nikolay K 17 May 2016 15: 10
          -1
          Read better laws. This is not theft, but civil law relations.

          If you do not understand, then actually I was talking about the norms of MORALI, they are not spelled out in the Civil Code, but rather the biblical commandment "do not steal."

          Most people prioritize parenting and paying taxes

          I agree that for many people their own shirt is closer to their bodies and they don’t give a damn about their moral obligation, but they taught me differently.
          Not a single bank will give you installments

          Another unfounded statement. Personally, one bank provided me with a delay of six months in repayment of the main debt, and the other bank extended the loan term, due to which the monthly payment decreased when I asked them about it.
  17. alfa19638
    alfa19638 17 May 2016 07: 35
    +7
    Officials of all levels profit from the work of banks and protect their interests in the country. The main principle is to profit in any way who is unprincipled in honor ... 1937 is necessary
  18. Micross
    Micross 17 May 2016 07: 42
    +13
    Collectors or criminals? Why the State Duma of the Russian Federation postponed consideration of the bill on the activities of collection firms

    And I'll tell you why! Yes, all because in the Duma sit the same bandits who cover this shop !!!!
  19. 31rus2
    31rus2 17 May 2016 07: 44
    +8
    dear ones, what law did our duma, the government adopted immediately, forgot how much they were pulling with pedophilia, by the way, the law is still damp and gives many loopholes, to remove impunity from the deputies, to lower the salary to the average statistical level and everything will be fine with the laws, but this dreams, but in reality the state literally does not give a damn about you at all levels, survive as you can, the GDP itself said "we will consider the issue, but the debts must be repaid", who else has more questions
  20. Erg
    Erg 17 May 2016 07: 47
    +3
    For the transfer of customer data, the bank pays him compensation in multiple (two-three-ten) amounts. All. And, people, well, you do not take these loans. Live within your means.
  21. drop
    drop 17 May 2016 07: 49
    -7
    Why is this article in "VO"? Is it a decrease in the country's defense capability, an increase in military potential? The editorial board generally thought about it when it published an article, although important, but not related to the country's defense. I have the honor.
    1. sa-ag
      sa-ag 17 May 2016 07: 52
      +9
      Quote: Drop
      Is that a decrease in the country's defense capability, an increase in military potential? The editorial board generally thought when it published, although important, but not related to the country's defense, an article.

      This at first glance it seems so because people are fighting, not technology, but how they will fight, after:
      "... Collectors welded the garage door of a man who borrowed 10 thousand rubles from a microcredit organization.

      In the Ulyanovsk region, collectors threw a petrol bomb into the window of a house of debtors on a loan, a 2-year-old child was seriously injured.
      Collectors raped a woman in front of her husband and child.

      In Volgograd, collectors beat the debtor’s parents.


      In the Kaluga region, sewers beat the debtor’s pregnant wife.

      In St. Petersburg, the collectors published the debtor's data on the site for the provision of intimate services. "

      People are the main asset of the country, and you still need to take care of the main asset, otherwise you will receive 1917 at the peak moment.
    2. uskrabut
      uskrabut 17 May 2016 09: 17
      +5
      Confidence of citizens is the main component of defense
      1. Manul
        Manul 17 May 2016 15: 07
        +2
        Quote: uskrabut
        Confidence of citizens is the main component of defense


        "Kulikovo Field" Vladimir Vozovikov.
        Much has been done, and yet ... It is possible to order by the great princely authority to appeal to the people with the word of the church - and the men will go to battle. But with what heart does that stink get up on the battlefield, for which tyun took a cow away from his debts and the children died out on the grass without milk over the summer? The potter whose carriage boyar ordered to overturn a cart stuck on the road and destroyed the unfortunate six-month work of the unfortunate man, dooming him and his family to starvation? The carpenter from the village where the house was burned down and a dozen children huddled in the neighbors, and the ten's manager not only didn’t help the fire-burner, but didn’t let him even dig a dugout from work? .. These matters came to Dimitri, he restored justice with a cool hand. But how many of them do not reach him and the neighboring boyars? And does it really matter to those slaughtered peasants who will tear the skin from them?
        A strong man is a strong state. Reliable warriors come out of strong men. And Dimitry did not get tired of driving the boyars into the head the thought of a strong man. Demetrius knew the story. From adolescence, the late Metropolitan Alexy taught him: whoever wants to rule the state wisely, he must know the past as his genealogy. And one thing has always been repeated in history: states died as soon as a strong peasant disappeared and was replaced by a mercilessly oppressed slave, dumb cattle in a human form. The corrupted city plebe turned out to be a poor defender of the state. So it was with the Greeks and in Rome. This is happening in Byzantium ...
  22. then
    then 17 May 2016 07: 49
    +2
    Of course, the relationship between the borrower and the lender should be carried out within the framework of the legal field and state bodies should strictly monitor this. On the one hand, if the borrower did not repay the loan, this is a natural robbery, and on the other hand, if the amount of interest on the loan exceeds the original amount several times, this is outright robbery. And legislative acts in this area are extremely necessary, up to toughening penalties for outstanding loans and with a limit on the total amount of all additional payments (for interest, fines, insurance, etc.) no more ... (must be decided by law).
    1. uskrabut
      uskrabut 17 May 2016 09: 15
      +3
      Such is provided for - this is the bankruptcy of individuals.
    2. Nikolay K
      Nikolay K 17 May 2016 10: 07
      +2
      with the limitation of the total amount of all additional payments (interest, fines, insurance, etc.) no more ... (to be decided by law).

      Imagine, this problem has been solved by law long ago and the court practice in 90% of cases will be on the side of the debtor. It's just that the people are legally illiterate, and most importantly, they are LAZY to go to court and prove something, even when the other side has filed a lawsuit and the summons has come to him. That is what lenders officially collect through the court for extortion penalties. But if the debtor appeared in court and declared there about the excessive sanctions, the court would surely have reduced them several times.
  23. Leto
    Leto 17 May 2016 07: 54
    +2
    This hype around the "collectors" is far-fetched, another enemy (after the liberals) has been found to which the people's anger should be directed. A win-win, considering that half of the country (if not more) is in debt. At the same time, no one has any idea who exactly is the collector. For example, there is a lot of hype around the employees of microfinance institutions, who are persistently called collectors. But these are the employees of the company that gives loans, can it be forbidden to demand back its money? No, of course, everything is in accordance with the Civil Code of the Russian Federation, if I gave money, then why can't I demand to return it? With regard to the methods, any violation of the Criminal Code of the Russian Federation should be punished to the fullest extent. And here not only collectors violate the Criminal Code of the Russian Federation, we have several penitentiary institutions in which police / police officers are serving their sentences, which speaks of the level of crime among them, but this does not cause demands to ban the police as such?
    As far as I know, collectors call those who collect FOREIGN DEBTS, the prohibition of their activities will not prohibit MFI employees from continuing to do the same as before. And banks will also pester debtors with calls.
    I mean that the ban on collection activities will not lead to anything, then the Civil Code of the Russian Federation then needs to be changed, it is completely forbidden to demand ANY debts ...
    1. Reptiloid
      Reptiloid 17 May 2016 09: 03
      0
      So, in this regard, the question? --- And do MFI children demonstrate their insane revenues to tax authorities?
      How etu thought not to develop, it turns out the same savagery and absurdity. !!
      1. Leto
        Leto 17 May 2016 10: 37
        +3
        Quote: Reptiloid
        So, in this regard, the question? --- And do MFI children demonstrate their insane revenues to tax authorities?
        How etu thought not to develop, it turns out the same savagery and absurdity. !!

        Yes, as everything is likely. Absurdity is when the governor of the Kemerovo region Tuleyev passes a law banning collectors while his son owns a microfinance organization that acts in the same way as those that cause his indignation.
    2. excomandante
      excomandante 18 May 2016 03: 38
      +1
      "Then the Civil Code of the Russian Federation should be changed, it is completely forbidden to demand ANY debts ..." Nothing of the kind. Debts must be claimed and collected by LEGAL methods (through going to court), that's all. You will not have to change anything in the Civil Code. And it is easier for "microcredit" to incite thugs than to suffer, to compose a whole statement of claim (well, or to issue a court order).
  24. yurii p
    yurii p 17 May 2016 08: 22
    +2
    "Why the State Duma of the Russian Federation postponed consideration of the bill on the activities of collection firms" ..... well, it became clear who was protecting the bandits from the banks, the gangster's State Duma was protecting, the edr appoints an "arrow" to discuss "affairs".
    1. uskrabut
      uskrabut 17 May 2016 09: 14
      +4
      It is not necessary to adopt such a law at all, just act in accordance with the Criminal Code of the Russian Federation, i.e. pursue collectors like organized crime groups
  25. lkom11
    lkom11 17 May 2016 08: 30
    +6
    We need to solve collector problems ourselves. Summarize the article under self-defense, and deal with the end. So several times to fill up these creatures will become quieter. After such measures, they will be afraid to commit atrocities ..... And then they’ve become very insolent .... And do not wait until the Duma demolishes the next law in defense of the common people .... Soak the collectors.
    1. uskrabut
      uskrabut 17 May 2016 09: 11
      +2
      And it’s better to create anti-collection agencies so that people can get protection from scumbags there, and scumbags are a headache and financial problems.
      1. alicante11
        alicante11 17 May 2016 13: 27
        +3
        And it’s better to create anti-collection agencies so that people can get protection from scumbags there, and scumbags are a headache and financial problems.


        Yeah, is that kind of angry / kind cop? Money will have to be given anyway. But at the same time also pay to the anti-collector. Let’s better then create youth organizations like skins and antifa against collectors. And the sacred business and youth will have something to do. When every scumbag will risk getting a chain or brass knuckles on the head, collection agencies will sharply remain without collectors.
  26. Basil50
    Basil50 17 May 2016 08: 46
    +4
    Well, they did not appreciate the concern about the employment of the criminals who had served their sentences and the dismissed police officers. But they need to feed and, again, families and other pleasures of life. If they deprive banks * of the right * to hire a bouncer, and where to go - to go? Only official robbers and bandits. The impression is that this is a secret reserve of private armies ready to serve anyone who pays.
    The police are fully in solidarity with their former * clients * and * associates *, never take measures to scumbag until they receive the highest decree. And it is impossible to defend oneself because of the real threat of being put on trial and thundering in jail. And what about women or children who are forbidden at the legislative level to have weapons, they are already victims * a priori *. The bandits are not concerned about the permission for the weapon, they have it, and they use it right away. Here is such a paradox in RUSSIA, the rights of victims of bandits, even in court, do not protect. To make a healthy person disabled is so * cheap * that bandits don't even think about the consequences. Here the disabled and their relatives then contain these bandits and remember the horror of powerlessness all their lives.
  27. Velizariy
    Velizariy 17 May 2016 08: 55
    +6
    I wonder how the collectors feel, particularly in Texas? And in general, where to kill the adversary threatening you and your loved ones is not a crime? We need a normal Law on Self-Defense and the problem with collectors will come to naught.
    And it is imperative to prohibit these microcredit offices, prohibit usury!
    1. Leto
      Leto 17 May 2016 10: 48
      +1
      Quote: Velizariy
      I wonder how the collectors feel, particularly in Texas?

      It’s not even bad. If you believe the Internet in the United States is more than 6 thousand collection agencies.
  28. RBLip
    RBLip 17 May 2016 09: 02
    +4
    I will probably express not the most popular thought. but still.
    for me personally, the problem of collectors does not exist. generally. stories about getting neighbors are fully regulated under current law. The article gives an answer to all these problems. there he is:
    But in fact, the debtors themselves must be aware of whether it is worth contacting a dubious kind of microcredit office at all, which gave a loan of 10 thousand rubles, and after a month demands to return all 30, or even 50 thousand. If the borrower does not stop it, and he decides for himself that he will pay off his debts, then, as they say, this is one thing. And if he thinks that he “will go to the bottom”, and his duty is the problems of microloans themselves, this is a different matter and a strange hope for chance, untying the same collectors with a criminal scent of their hands.
    oh this lifelong passion for freebies. oh, this inability to calculate your strength and budget. and then the banks are to blame and the bastards collectors ... NOT SURE IN YOURSELF - DO NOT TAKE IT. all. and there’s nothing more to invent here.
    1. nazar_0753
      nazar_0753 17 May 2016 15: 39
      +2
      Quote: RBLip
      I will probably express not the most popular thought. but still.
      for me personally, the problem of collectors does not exist. generally. stories about getting neighbors are fully regulated under current law. The article gives an answer to all these problems. there he is:
      But in fact, the debtors themselves must be aware of whether it is worth contacting a dubious kind of microcredit office at all, which gave a loan of 10 thousand rubles, and after a month demands to return all 30, or even 50 thousand. If the borrower does not stop it, and he decides for himself that he will pay off his debts, then, as they say, this is one thing. And if he thinks that he “will go to the bottom”, and his duty is the problems of microloans themselves, this is a different matter and a strange hope for chance, untying the same collectors with a criminal scent of their hands.
      oh this lifelong passion for freebies. oh, this inability to calculate your strength and budget. and then the banks are to blame and the bastards collectors ... NOT SURE IN YOURSELF - DO NOT TAKE IT. all. and there’s nothing more to invent here.

      Your idea could be called sound and adequate if all our citizens were legally savvy. But 90% of Russian citizens in the legal field understand the same as a pig in oranges. Of course, not everyone can "clearly look into tomorrow", some people have such trouble with this, like small children. But this does not mean that they themselves are to blame, but that measures are needed to limit the ability to use such MFIs. If your child, for example, accidentally gets to a construction site and a brick falls on his head there (with a known outcome - God forbid, of course), I doubt that you will not file a claim with a construction company for violating safety procedures (open access to the construction site) and you will assume that the child is to blame. The situation with MFI debts is absolutely the same, which is why a mechanism is needed to limit, so to speak, “children’s entrance to construction sites”. Alternatively, you can ban all MFOs and pretty much clean up the banking sector, leaving about 20 of the largest banks (preferably state and foreign). But since we have capitalism with a wolf's grin, I can hardly wait for such a law. Although, of course, I would like ... hi
  29. Tequilla
    Tequilla 17 May 2016 09: 03
    +2
    Good morning, afternoon and evening!
    The article delivered, as they say. Especially about large banks that do not contact collectors, because the name is dearer to them. As an employee of the banking sector and a former Sbshnik of a number of large and not so banks, I will tell a little on the topic.
    1. If you took the money from a bank or microloan, you have the obligation to repay it, and your lender to demand repayment of the debt. This is the law! Here I argue, I think no one will.
    2. The problem described by the author about the gangster penalty exists, but this concerns microcredit organizations. There, as a rule, gopota, scumbags, and people who are not burdened with intellect, work in recovery. Banks have not allowed themselves this for a long time, because it can be very fraught for themselves.
    3. The problems in my opinion are:
    - in the legal and financial nihilism of potential borrowers.
    - the reluctance of the borrowers themselves to contact normal credit organizations.
    - maybe, where would you be without him.
    - the desire to take and not return.
    Again, kmk, this does not require a separate law. There is a court, police, prosecutors. If you are pinched by a collector of audio, video, photo proofs and by authority. If you want to meet problems, you can deliver as much as you like.
    1. 31rus2
      31rus2 17 May 2016 09: 19
      +2
      Dear, when one of the borrowers burns you, then look for the legal field
  30. uskrabut
    uskrabut 17 May 2016 09: 06
    +3
    "It is proposed at the government level to create a special body that will have to keep a register of collection agencies. In addition, the document prescribes the rules for communication between collectors and debtors to collect loans."

    I will not understand why the courts and bailiffs should not do this. There is a duty - go to court. There is a court decision - bailiffs are acting. Everything is spelled out in the current legislation! It just needs to be respected! And sharazhki, called collection agencies, are criminal structures that should be prosecuted in accordance with the Criminal Code of the Russian Federation.
    And all kinds of laws about collectors will simply legitimize these criminal shortcuts, and it will become even more difficult for citizens to defend themselves from them. If now I can use such a concept as necessary self-defense, then with the adoption of the law I cannot, the collectors will become a completely legitimate structure.

    It is better for the Duma to revise the law on weapons and expand the concept of necessary self-defense, so that citizens can themselves confront crime in hopeless situations.
  31. realist
    realist 17 May 2016 09: 13
    +9
    1 the country should have laws governing life
    2 debts should be collected only by bailiffs
    3 crimes must be punished (rape, beatings, arson)
    4 the state does not want to tackle the problem of employment so that people do not go to microcredit organizations?
    5 does the state consider microcredit organizations possible? and in general, is it not time to limit the rate of profit for banks? Do they charge 10% per annum to the central bank and the population and distribute it for how much?
    PS when the collectors promised to come to me, I notified them by phone about the order and scope of countermeasures (ax, chainsaw, group of friends on the hook) and they did not come .....
  32. anarchist
    anarchist 17 May 2016 09: 13
    -7
    If Valentina and Sergei, from their own pockets, or from the state are ready to pay all non-repayments on loans and borrowings, then in principle it is possible to adopt a law, here it is not necessary to call and meet with the debtor, the law clearly requires improvements and amendments. And for all other offenses there is a criminal code. But in general, without a collector, nowhere.
  33. Leo7777
    Leo7777 17 May 2016 09: 31
    +3
    If the collectors threatened me, I would have gotten injured as soon as they entered my apartment and began to threaten, immediately on the spot, without speaking and ending them.
    1. Leto
      Leto 17 May 2016 10: 52
      +1
      Quote: Leo7777
      If the collectors threatened me, I would have gotten injured as soon as they entered my apartment and began to threaten, immediately on the spot, without speaking and ending them.

      You are either a madman or a talker. Madman because in this case, Article 105 of the Criminal Code of the Russian Federation shines 100%, are you ready to spend several years in a "friendly" male company? Well, the second is clear ...
  34. sw6513
    sw6513 17 May 2016 09: 31
    +4
    Non-adoption of the law on collectors is due to the fact that almost all deputies or their relatives are co-owners or cover this with banks, or receive a separate pension there. There are no more motives to stop the disgrace at the legislative level
  35. mr.fafes
    mr.fafes 17 May 2016 09: 57
    +8
    All collection agencies belong to officials or their relatives.

    One of the largest collection agencies, LLC Central Debt Agency, belongs to the opposition clan of deputy Gudkov.

    It is useless to wait for this gangster kodla to be hidden.
  36. Monster_Fat
    Monster_Fat 17 May 2016 10: 04
    +8
    Here, the "defenders" of banks and collection agencies in their justifications of collectors and banks rely on the notorious "irresponsibility" of citizens who take loans and then do not repay debts. And, the following is not clear to me why this is our state and the same banks, which are allegedly concerned that citizens "do not understand" that loans will have to be given, in fact, they do nothing to "enlighten" citizens in this regard, do not "teach" citizens "the rules of the loan" and "return" of loans? Why, for example, on television, which is full of bank advertisements or "social advertisements" about the harm of smoking, alcohol, abortion, etc., there is NOT a SINGLE video on the harm of "credit addiction" and "credit slavery"? And everything is simple: this is because "credit dependence" and "credit slavery" are the foundations of Russia's liberal economy, the foundation of which is "loan interest" and this liberal policy in the economy is supported by the government and at the very "top" of Russia.
    1. Leto
      Leto 17 May 2016 10: 56
      +4
      Quote: Monster_Fat
      And, I don't understand the following, why this is our state and the same banks that are allegedly concerned that citizens "do not understand" that loans will have to be given

      You are absolutely right! General financial illiteracy! The state doesn’t give a damn about this problem from the bell tower, it is beneficial for it when citizens recklessly borrow money from banks wasting their senseless (often).
    2. Tequilla
      Tequilla 17 May 2016 11: 16
      -3
      Although I am a bank employee, I am not a defender. But your position is also incomprehensible. The bank allows the borrower to read the agreement, introduces the rates and payment schedule, warns of responsibility. Maybe he should teach the borrower to read ?! And in general it was funny to see how you would enlighten the former resident of my apartment, who collected loans in different banks for a couple of lemons, and now he does not give them away and is hiding. But he sleeps well and feels rather well ... What kind of "not enlightened" he is, poor thing.
      Yes, and in the civilized west think differently? Come to the bank, and there they say they don’t take a loan, it’s bondage ...
      1. alicante11
        alicante11 17 May 2016 15: 37
        +2
        Come to the bank, and there they say they don’t take a loan, it’s bondage ...


        So, in general, there was no need to brew these loans, in MMM people also carried the money themselves, not at gunpoint. And Mavrodi served.
    3. Tequilla
      Tequilla 17 May 2016 11: 16
      -2
      Although I am a bank employee, I am not a defender. But your position is also incomprehensible. The bank allows the borrower to read the agreement, introduces the rates and payment schedule, warns of responsibility. Maybe he should teach the borrower to read ?! And in general it was funny to see how you would enlighten the former resident of my apartment, who collected loans in different banks for a couple of lemons, and now he does not give them away and is hiding. But he sleeps well and feels rather well ... What kind of "not enlightened" he is, poor thing.
      Yes, and in the civilized west think differently? Come to the bank, and there they say they don’t take a loan, it’s bondage ...
  37. atamankko
    atamankko 17 May 2016 10: 08
    +3
    Many outsiders and even organizations suffer from collectors
    and lawmakers again cannot give birth to anything worthwhile, then why are they needed.
  38. Polar Bear
    Polar Bear 17 May 2016 10: 14
    +3
    Collectors brewed the door of the garage of a person who borrowed from the micro-credit organization 10 thousand rubles.

    In the Ulyanovsk region, collectors threw a petrol bomb into the window of a house of debtors on a loan, a 2-year-old child was seriously injured.

    Collectors raped a woman in front of her husband and child.

    In Volgograd, collectors beat the debtor’s parents.

    In the Kaluga region, sewers beat the debtor’s pregnant wife.

    In St. Petersburg, the collectors have published the data of debtors on the site for the provision of intimate services.


    Inhumans, they are nothumans in Africa.
    It makes no sense to come up with new laws for these individuals. You just need to punish them for existing ones.
  39. user3970
    user3970 17 May 2016 10: 19
    +11
    I have said and continue to say for a long time that the government in the country is extremely criminalized. When we won't say who, he worked with the Tambovskaya organized criminal group, and his friends in power sports were in the same organized criminal group as "torpedoes" ... And when crime comes to power, he makes a zone ... Judges are bought. Hello, Petersburgers? Upload a photo of the mansions of the judges of the Constitutional Court on Vasilievsky, which the GDP "donated to personal property, upon coming to power, including Zorkin, the chairman of the Constitutional Court. And after that, remember the" gift "to China of a part of the former border territory on the Amur and now dark affairs about renting all the Far East to his own citizens, 1 hectare of swamps to a foreign state, and the entire Far East to a foreign state. And according to the constitution, the transfer of land to a neighboring state should be decided by means of a referendum. In taking bribes? Did he shoot himself? Has he resigned? Was he suing? He wiped himself out! Well, about the prosecutor, the head of the Investigative Committee and others ... People! When a country worth 130 trillion dollars is being “sawed”, talking about some collectors is funny and naive. They, the collectors, are built and are part of the state structure. Do not forget that no more than 50 million people must live in Russia, necessary to service the pipe. others are biological waste. It is from this rubbish that the authorities get rid of in every possible way - health care, education, law enforcement, banks and collectors.
    1. Leto
      Leto 17 May 2016 11: 03
      +3
      Quote: user3970
      And when criminals come to power, they make a zone out of the territory where they are "the overseer".

      Deputy of the City Duma of the city of Rezh, Sverdlovsk Region Yevgeny Surnin in "all its glory":
  40. guzik007
    guzik007 17 May 2016 10: 23
    -2
    I am deeply convinced that two categories of people are turning to quick money. This is either a cattle-cattle, in arrogant self-confidence that they will not do anything and they do not owe anyone. Either they are dark, illiterate people, unable to analyze the consequences of their actions or plan their lives, living one day in their stagnant swamp.
    The first category goes on the attack, rude and swearing into the phone, then posting their "feats of fighting lawlessness" on YouTube. The second category, as the most downtrodden and disenfranchised, becomes a victim of the former, embittered by the behavior of the collectors, who themselves come from the first category.
    Somewhere I already saw it ... Ah! Remembered! This is when in the summer you fall into the green grass and watch the life of insects swarming in it.
    ... Although people, unlike insects, of course feel sorry.
  41. Fly tsetse
    Fly tsetse 17 May 2016 10: 30
    +5
    I will remind you.
    How many years ago, a series of programs about beatings by guards and employees of supermarkets of "buyers" was broadcast on television, they were noisy, right up to the bans of private security companies.
    But in fact, the customer of these videos on TV was the supermarkets themselves, there were, millions or billions of rubles, losses from minor thefts, and after a series of videos on TV, the losses became less. They beat off the money for advertising.
    And this is not uncommon, now the same thing.
    After the sanctions, the amount of non-repayment of loans and communal services, astronomical amounts sharply increased. Some time later, videos about the riot of collectors went. Banks themselves also order similar videos on TV.
    This is more effective than even the work of collectors, this is called PR, and so they affect your brain.
    And in fact.
    Hundreds of thousands of people in the Russian Federation do not pay on loans, bailiffs are often physically unable to process all cases, some territorial divisions of the Ministry of Internal Affairs are even issued "orders" not to issue fines for small amounts, there is no sense in them, but it is often impossible to process them all.
    At this time, in the Russian Federation every year at least 30000 murders, tens and hundreds of thousands of beatings and rapes. How many of those killed are killed by sewers? Every thousandth, or even less, while in almost every house today is a debtor and sometimes not one.
    Now for the collectors. Well, of course, it is clear that these are not people of great intelligence and morality, but the bulk of them will never even go to anyone - it's scary, they are not so scared on the phone. And those who travel, well, they are regularly imprisoned, many of them are free for a couple of years and again "home". Any serious organization of the likes of this is not even hired.
    Now for debtors who became the heroes of the news. This is usually not their first, or even their second loan. They already have seizure of property and so on and so on, but they all occupy and occupy and cannot do otherwise. Only the most recent renegades associate with such, who then travel to the bunks for 10000.
    Well, something like that, everything is normal with us, I don't understand why the "alarmism" on VO.
    1. ism_ek
      ism_ek 17 May 2016 13: 41
      +2
      Quote: Muhu TSETSE
      But in fact, the customer of these videos on TV was the supermarkets themselves, there were, millions or billions of rubles, losses from minor thefts, and after a series of videos on TV, the losses became less. They beat off the money for advertising.

      You write nonsense. Theft is growing. Losses are painted on store employees
  42. Cobra77
    Cobra77 17 May 2016 10: 34
    +7
    In fact, the law on collectors alone will not give anything. Debt knockers are already under the articles of the Criminal Code. But when did this scumbag stop? To change the situation, you need to remove the cause of the occurrence. In fact, a ban on microcredit organizations, a ban on the sale of debts to third parties without a bank license. This is quite enough to remove 95% of the problems. Yes, there will remain clandestine offices, but it will already be pure crime, and the person going there for grandmothers understands everything perfectly.

    By the way, it is very funny to recall against this background the history of the kulaks in Ingushetia and the subsequent dispossession of kulaks in the USSR. Almost a hundred years have passed, but everything is the same .... Well, this is "Russia that we lost" wassat
  43. tor978
    tor978 17 May 2016 10: 45
    +3
    Yes, the State Duma and the government do not care about you and me. They remember us only on election day. A week ago we faced such a problem ourselves. The wife, a kind soul, decided to help her neighbor and called the collectors in Moscow from her phone, barely giving the name and surname of the neighbor into the phone, they said to her "validation passed" and immediately began to speak boorishly and threaten, without even trying to understand that they were calling not from the debtor's number. And after that, calls began to sound from an unknown number at intervals of 20-90 seconds. Okay, my wife figured out to get into the personal account of body 2 and turn on the option for determining hidden numbers, then they added them (there were 5 numbers) to the black list and calmed down on this, once every three days they really call her again from unknown numbers, the answering machine speaks for 17 seconds in a voice extortionists as in the movies straight. Since his wife is a lawyer, she decided to punish them and began to collect documents in court for compensation for moral damage.
    They also heard someone punished the collectors in an original way: they connected a paid service to the number and incoming people had to pay them, that is, the collectors began to pay a lot of money for calls. But it is probably necessary to have connections with companies providing such services, because ordinary mobile operators do not do this.
  44. Sst
    Sst 17 May 2016 10: 51
    +2
    Quote: Nikolai K
    Moreover, any bank is ready to delve into the problems of the borrower and meet him by offering installments, restructuring, etc.


    and if not a bank? What about a microfinance organization? They just hand things over to collectors and that’s it. Sometimes even without notifying the debtor, it’s just for a 15 day delay.
  45. weksha50
    weksha50 17 May 2016 11: 51
    +6
    "any self-respecting bank is insured against non-payment risks"...

    This risk is already inherent in huge interest rates on loans (as opposed to interest rates in Western banks), however, banks do not say this out loud, but cry all the time about the allegedly existing problems associated with problem loans ...

    This is a lie ... Maybe some of you noticed that almost every week 2-3 banks lose their licenses for their activities? There are many reasons, and one of them is non-compliance with the Central Bank's requirements for reserving insurance amounts in case of unforeseen circumstances ... That is, banks are pursuing an extremely risky policy, "driving" all the funds they have to issue loans to anyone ... After all, banks receive their main profit precisely from active operations, that is, lending to the population and legal entities ...

    Well, about the fact that people contact unscrupulous organizations ... here you can say: "Think what you are doing" ... When on the fence (ad) it says about an interest rate of 1-3%, put on glasses or take a microscope and read what is written in small print: "IN THE DAY" ...

    And the draft law referred to in the article ... When I read it, I was horrified by the spinelessness, hypocrisy and stupidity of our legislators ... This draft law is a mockery of borrowers and the complete untying of hands for bandits legalized under the roof of the law in the form of collection organizations ...
  46. Zomanus
    Zomanus 17 May 2016 13: 49
    +4
    Well what to say. If the authorities cannot cope with this,
    It remains to wait for the folk club.
    And the flames across Russia are the offices of these microcredit organizations.
    And they will carry dominos with collectors to the graveyards ...
    Apparently this is waiting for our government.
  47. Aleksey888
    Aleksey888 17 May 2016 14: 34
    +2
    The answer to the question of the article suggests itself from the title. firms. Well, they just have "good friends" there, and friends need help.
  48. partizan86
    partizan86 17 May 2016 14: 37
    +6
    A curious case was recently told. A man took a loan for a car, and a few months later he guessed the fence. Having gone free I called the bank and asked how much it should? They answered that nothing, the debt was sold to such an organization, they gave the phone to call them. He naturally did not call. They apparently realized that they had bought and forgotten debt in vain. And no one would talk to the collectors :)

    They delay or completely cancel the adoption of the law, under various tricks and pretexts, for the same reasons as all other laws. It is for their loved ones that they pass laws in batches and without reading. And what can harm their interests and income will not be accepted. Spam remains the same, collection agencies make a profit. PSCs pay taxes and kickbacks, so the concept of "my home is my fortress" is not profitable when people themselves begin to defend themselves and their property. The legalization of wearing a short barrel also did not work, a petition signed on state services did not help, suddenly a violent relative of a servant of the people would be shot. Self-defense laws are generally problematic. They "fight" smoking very slowly by raising excise taxes, knowing full well that in this way people will put up with it and gradually get used to it, continuing to smoke. If the price for a pack were raised from 13 to 80 at once, I would buy horseradish, the toad would immediately strangle me. They reject and do not accept many things that are necessary.
    This increase in volume during TV ads was banned, as they don’t know how to use the PC and watch TV, it also bothered them.
    Otherwise, nothing personal, only money.
  49. su163
    su163 17 May 2016 15: 14
    +3
    Quote: alicante11
    And you name the sphere, where are we all clean and fluffy?


    So now, in any area not to take any measures to bring it into "clean and fluffy"? The deputies are trying to regulate the activities of the collectors. If we take your examples, then create "traffic rules" or "police law". Why is that bad? Personally, these ... got me. My father was given a number with prepaid internet and calls for 4 months for the shares in the Beeline. He gave a SIM card to the inside, that is, to my son. But it turned out that the number belonged to some debtor. So they call, and mostly on weekends. Any explanation that the number was purchased less than a month, two, three ago, does not bother anyone. And this is taking into account the fact that since 2008, when I repaid the last one, I have not taken a single loan and, it seems, I have nothing to do with the collectors.


    So invite, as I am, to the conversation of these valiant gopniks and indicate to them the place and direction of movement where they should go. I have the same situation with the phone number, some kind of whip gave my number in a microloan, and they are happy to try to call. Invited them to a conversation. Two bulls arrived, immediately ran into me. Instantly received a response and signed with their nozzles receipts of their debts. Then, two days later the police arrived with patience and with their questions. Got a video of my conversation with the bulls. Recognized as necessary defense. Silence for six months, the other day, others began to call someone else to look for. Are they completely imbeciles?
  50. 31rus2
    31rus2 17 May 2016 15: 25
    +2
    Dear, the "workers" of the banking industry are not the brains of people, with your interest, contracts, you created your own conditions in the late 90s, then you yourself adopted laws under these conditions, what you call a bank is the most direct usurious office, here therefore you are afraid of reforms and serious competition and you don’t need to consider your fellow citizens illiterate, their life makes them climb into your “noose”, because you cannot understand how a single mother brings up three children in a village or young families buy one car together to carry children to school, kindergarten, commute to work, you gentlemen live at someone else's expense, while not doing anything