Collection agency "Phoenix": reviews, features of work and complaints

Quite often, banking institutions involved in issuing loans, resort to the services of so-called collectors. We are talking about companies that carry out the repayment of debts from unscrupulous borrowers. About how such companies operate, and what methods are used in the course of pressure on the customer to make him pay, there are many stories on the Internet.

However, in this article we will talk about an agency that does not deal with such things. Its objectives: helping borrowers to optimize their debt, counseling and other services (we will talk more about them later).

And the article will review how the collection agency "Phoenix" works. Testimonials of bank customers, a description on the company's website, as well as an analysis of services - all this was used to create this review. You can see the results further.

Characteristics of the agency

To begin with, we will describe the history of the company and the prerequisites for its creation. It's no secret that the collection agency "Phoenix" (the reviews can confirm this) was founded on the initiative of the bank "Tinkoff Credit Systems" (TSS) in 2014. The reason for explaining in the financial institution itself is the rise in the cost of services of other companies that deal with servicing "problem" debts.

As a result, now the operating organization is engaged in a full cycle of debt collection, servicing borrowers who do not return the funds taken within their structure. This is convenient for the customers themselves, and much easier for the bank.

As indicated on the agency's website, the team of the agency includes professionals of different specialties who are working on a common goal - repayment of loan funds and restoration of loan portfolios.

In the financial services market, despite this small age of the company, it is a full-fledged entity that successfully serves its "parent" organization - the TCS bank.

Types of services

The collection agency "Phoenix" (which we are interested in first of all in this article) deals primarily with informing a person about the need to pay off debts. This is carried out (in practice) by phone call and written notification to the address of the client's residence.

As the reviewing collection agency "Phoenix" shows, customers received such notices immediately after the debt was formed. They asked representatives of the agency to contact them at the contact indicated in these instructions. Of course, if a person did not come into contact on their own, the company's employees had to contact him forcibly, literally falling asleep with his calls.

This, too, reflects the debt collector's description of the collection agency "Phoenix". However, they do not mention, as a rule, the fact that they themselves ignore the requests of collectors who have a legitimate right to demand a return of the debt (ceded by the bank).

Advice to debtors

In such cases, when a representative of the collection agency "Phoenix" contacts with you, it is better to use the advice provided on the company's website in the special section "Debtors".

In particular, here it is stated that if you were actually called from their office, it means that you have a debt under a loan, which should be paid off. Next is a small instruction: according to its first point, the main thing is not to avoid contact with the agency's employees. If a bank assigns its right of claim to them, it means that they have all the data on you as a client in the company. Therefore, it makes no sense to hide, not to answer calls, to ignore them. Most likely, they will find a way to contact you in some other way.

It is also important to understand that the debt itself will not disappear. Naturally, collectors do not have the right to use threats or somehow violate your rights - this they have no competence.

On the other hand, if you really do not return the loan, you have nowhere to go, except to pay it. Otherwise, soon and the receipt of threats from the collection agency "Phoenix" will stop (even if they did), and the situation will come to court. There, of course, you will be awarded a duty to repay the debt. It can be collected through the ship's executors, which implies the possibility of forcible seizure of the collateral object and other items to compensate for the debt on the loan. Agree, this outcome is not the best for both you and your family.

Payment and contact

Therefore, we recommend that you comply with the requirements solely to the extent that it relates to the return of this amount of funds. Reviews of "Phoenix" (collection agency, Moscow) show that it is best to conduct a dialogue with this company, to show its adequacy and willingness to return funds. The only thing is to accurately explain why you can not do it right away.

If you do not hide, ignore their requests, and openly declare your willingness to cooperate, in the company you will be perceived quite differently. Then the appearance of the collection agency "Phoenix" in your history will, on the contrary, be a plus, since its representatives will help you to optimize your debt as much as possible and return it as quickly as possible.

Moreover, if you are a conscientious borrower, the company can make concessions to you, agreeing to restructure the debt or change some conditions for its return. This is another advantage of a peaceful dialogue.

Reviews of debtors

In fact, as the comments of people who have experience of cooperation with the company show, each debtor acts in his own way. Someone prefers to really go to the "world" with the collectors, explains the situation to them, promises to return the funds under certain conditions (for example, in a couple of months, after the salary) and receives some loyalty from the creditor.

Another way is to ignore, hide, show aggression towards the employees of the company. This option certainly leads to the fact that a complaint is filed against the collection agency LLC "Phoenix", where people describe their stories of coarse staff, illegal ways of working, and so on. Most often, such appeals (and they go to the prosecutor's office and the police) do not give anything, because the agency operates within its authority. But the client, arguing with representatives, only spoils his nerves and loses precious time.

Therefore, reviews about the company are often negative, because they are written by people who have already quarreled with this agency. At the same time, they could correct the situation and treat the problem differently.

Work in a company

Since "Phoenix" is a young structure, it is not surprising that a large number of staff are being conducted here . For young professionals this is another opportunity to get an interesting place, to gain precious experience, to build a career.

We did not manage to find reviews of the collection agency "Phoenix", apparently, the reason is the small age of the company. However, this is also a good indicator, as it indicates the absence of various scandals and known unpleasant stories related to this company. Probably, there is no staff turnover, because of what the feedback of former employees is simply no one to write - there were not so many people working here.

Careers

While the company is already working, a fairly wide range of employees continues to be available here. The most popular are two posts. He is a specialist in communicating with customers "over the phone," as well as a representative of the company "on the road." In essence, both vacancies have similar characteristics and are very close in terms of recruitment. A person should be able to communicate with other people, formulate his point of view, persuade. In the work of the collector, these skills are typical and necessary qualities.

Requirements

In addition to the mentioned qualities necessary for the employee of the firm "Phoenix" (a collection agency, which we did not manage to find feedback about), you can also add the desire to earn (it is not surprising that this is a necessary feature, because the collector has a percentage of the loan funds returned to him) ; Stress resistance (also an obvious quality that people need to communicate with debtors); The ability to work a lot (everything is clear here, the work of the agency can not be fully standardized).

conclusions

So, we presented to your attention the basic information on how the agency "Phoenix" works. Of course, the details of his discovery, some minor moments in the history of his activity and many other interesting facts that could be mentioned here would not fit here.

Therefore, we simply say that this is one of the new companies in the financial market controlled by the TKS bank. This means that it will transfer debtors who do not pay money on loans to this agency for the purpose of advising them and further optimizing their debt. And, in order to simplify the situation, the person owed to the bank should listen to the advice of the collectors and restructure their debt in such a way as to pay it off as soon as possible.