LLC "Phoenix" - collection agency: feedback from employees and victims

"Phoenix" - a collection agency, reviews of which from the victims are often negative. It was created on the initiative of the bank "Tinkoff". Despite the fact that the organization is registered as a separate legal entity, everyone knows that it works exclusively with the clients of this bank.

What is Phoenix for?

The position of the organization officially looks very noble: they position themselves as a service that is designed to come into contact with debtors and various methods of influence to help them pay the debt. But in fact, like any organization in this field, the collection agency "Phoenix" (reviews of the SPB and MSC about which are not always face-to-face) do not disdain the various unworthy methods of influencing debtors.

History of the creation of LLC

On September 17, 2016 Oliver Hughes (Chairman of the Board of the Bank of TCS) reported that as of August 2014, overdue loans to retail loans amounted to almost 13%. For this reason, on the basis of "Tinkoff" was created its own collection agency "Phoenix" (reviews about whose work will soon spoil the original view on the noble goal of its creation). Technically, the agency was created entirely separate organization, it was officially registered as an independent legal entity. But formally, "Phoenix" was included in the TCS group and deservedly perceived as one of its divisions.

The purpose of creating an agency

At first glance, the purpose of creating this organization was very generous: to help debtors find a real way out of problems with debts and to develop an optimal scheme for repaying debts for both parties. "Phoenix" is a collection agency whose feedback will soon be debunked by the initially created positive image, should work with debtors whose delay in monthly payment exceeded 180 days. The main purpose of the work of an employee of such an organization is to not bring the matter to court and do everything possible to ensure that the client has paid its debt.

LLC "Phoenix" - collection agency (reviews of employees who actually worked there, it is very difficult to find the activity of this company) initially planned to recruit only 10-15 people who used to work in TCS and knew the structure of the bank from the inside. It was also announced that this collection firm in the next few years will only lead the debtors of the bank "Tinkoff" and not engage in the clients of other organizations.

Officially sounded principles of work and advice to debtors

On the official website of "Phoenix" a special section "For Debtors" was created, where the principles of work are explained. The first thing that strikes one's eye and causes some bewilderment among ordinary people is the statement that if employees of this organization are trying to contact the person, it means that he has an outstanding debt to one of the clients of "Phoenix". The phrase "before one of our clients" is not quite clear, as it was previously announced that the client will have only one client - "Tinkoff Bank".

Employees of the agency advise debtors not to hide from them and avoid contact. After all, as they say, their main task is to help. They promise to find the most suitable options for debt repayment for the person and to find alternative solutions to the current problem.

Further, "Phoenix" - a collection agency, reviews about which you can find far from the most pleasant, voices the options for communicating with your customers:

• Writing letters to the postal address;
• phone calls;
• Sending sms with a reminder of duty.

On its official website, the company claims that an exit team that has great experience in repaying money can go to debtors and in its arsenal has a huge amount of knowledge about how a person can be made to return money. "Phoenix" is a collection agency, reviews of whose work victims from its employees are often left far from positive, uses not only acceptable and harmless methods to return money.

What are the victims of the agency's work complaining about?

Fortunately, today our experience can be shared on various information resources, which is happily done by those who had the honor to communicate with the employees of this firm. The collection agency "Phoenix" (the responses of the victims about the work of which make the thinking person understand that the purpose of his creation is solely in knocking out money from debtors in any way, and by no means in helping those who can not really pay off their debts for personal reasons) His work various tricks. For example, calls to urgently repay a debt can come not only to the debtor himself, but also to his acquaintances, relatives, friends, colleagues, in general, all whose numbers as contact, or alternative have ever been given to the bank "Tinkoff." At the same time, it will not be easy to call to ask where the debtor is now, or for what reason he does not pay. Calls will come with specific requirements: to help the bank's client repay the debt, lend him money, or, in general, pay in debt instead.

Appeal to the debtor is not limited to calls, letters and sms. In the network there are complaints that employees of the "Phoenix" can come to the address of registration, describe the entrance of the debtor insulting inscriptions and expose to the view of all neighbors information in which apartment the person who owes money to the bank "Tinkoff" and how much he owes. Similar pictures they can disfigure elevators, entrance doors and walls of the entrance. Such actions can be assessed as hooliganism and damage to public property, it is not worth mentioning that this is a direct disclosure of bank secrecy. At the same time, one can imagine the moral state of a person whose financial problems are the subject of a review of all neighbors. But this is precisely what the work of Phoenix is aimed at: breaking the debtor morally, letting him know that he will not be left alone and will not live for a person until his debt is repaid.

Position "Tinkoff" to the work of "Phoenix"

The existence of such firms was initially based on the fact that a bank that can not repay the loan itself sold it to collectors. Collector firms paid the bank only about 10% of the total debt, and the rest "knocked out" of the debtor was taken away. "Tinkoff" considered that 10% is a very small amount, and therefore decided to create its own company that will deal with such problems. At the same time, "Phoenix" is registered as a completely separate legal entity, and when the affected clients turn to Tinkoff with complaints about the work of collectors, they can hear that their debt is sold to "Phoenix" and the bank has nothing to do with the work of collectors.

On whose side is the truth?

Work in the collection agency "Phoenix", reviews on which it is difficult to find in the network, will require a person to be highly stress-resistant. About employees of the center of this organization in various forums are expressed in a very unflattering form. They are called "not very smart," unprincipled and not "overshadowed" by special intelligence. This is due to the fact that they are forced to conduct the conversation strictly according to the script and do not have the right to deviate from the scheme approved by the management. Of course, it is clear that people who have financial problems are unlikely to be flattered about those who demand to pay off their debts. On the other hand, before making a decision to work as a collector, you need to understand very well what this job implies.