OOO Lindorff - what is this? Collection agency "Lindorff": reviews

The financial system in which we live today means the availability of such a tool as lending. It is carried out by those or other subjects, in different spheres of activity. We are used to the fact that lending can be banking (and, in turn, is divided into different types - consumer, automobile, housing and so on). The principle of providing funds to the debtor alone is the formation of a debt that must be returned after a certain time or after the onset of an event.

Meanwhile, debtors are not only in the field of bank loans. Very often, the debt is formed after the provided services in the telecommunications sphere, for example. Of course, not always the debtor himself hurries to return it.

What do they do to repay the debt?

In the practice of banking (and not only) relations between entities, there is such a mechanism as debt collection. This tool can not be called new, as it is natural that the person who lent money wants to return them taking into account the interest at the expense of which the profit will be received. On the other hand, of course, a person who has received a loan does not want or can not repay a debt in some situations. The mechanism aimed at debt recovery depends on who is the creditor.

There are many stories that earlier for the formation of large debts a person could become a victim of physical violence or threats from the creditor. Today, taking into account the sphere of civilized bank lending, the situation has changed somewhat, and now the debt is collected in court.

The law is written in such a way that if a person can not pay off the debt recognized by the court, he must do so at the expense of his property. We all know cases when, to repay a loan, they take away an apartment, a car, deposits and other assets - property that was the subject of a mortgage on a loan, and to whom the debtor guaranteed an appropriate refund.

This mechanism functions perfectly today, but despite this, it is not flawless. There are always situations when, for example, a person does not possess any property, due to which it is possible to pay off a debt. There is a loss, which the creditor takes (for example, the bank). How to deal with this situation? In such cases, for example, LLC Lindorff is involved. What is this - we will tell in this article.

The industry of collection companies

For particularly difficult cases, when the creditor can not in any way return his money (if we talk, of course, about the law), there are collection companies. Their profile is the collection of debts. From banks, they differ in that they are solely a tool for "knocking out money" from people who do not want or are unable to pay their debts. Consequently, the entire profile of such organizations is the development of ways to influence people to make them pay. The agency "Lindorff" can be called one of such.

The industry of such companies arose amid growing popularity of lending and, correspondingly, an increase in the number of unreturned debts. The profile of banks is somewhat different - they are engaged in promoting their products and further issuing loans. Roughly speaking, why should banking institutions communicate with debtors, if this can be entrusted to professionals?

This is how they act in most cases and transfer the cases of those who do not pay to collectors. This is done in accordance with this scheme: any LLC Lindorff (what this and how it works, we will describe further) buys from the bank the affairs of the borrower who owes a million, roughly speaking, for 100,000 (although in reality everything depends on how much It is difficult to force a person to pay). The rest of the funds are "knocked out" by the company independently, making profit from it.

Methods of operation of collectors

In fact, the methods with which collector companies work are quite a lot. Not all of them, of course, can be called public and such, which can be talked about. For example, on the site it is written about LLC Lindorff, that it is a debt management company. This means that the agency cooperates with those who need to return the money, and those who must return them. And how this is done is another matter.

It is known that the methodology of the work of collectors depends on who is the debtor, what amount should be returned, and what causes that the money does not return. In the legal field, Lindorff conducts advisory activities, explaining to debtors that they are obliged to return the funds; Helps to deal with the financial situation, as well as leads litigation with such people, appeals to the police officer, applying for compulsory recovery of the amount of debt from the property of the defaulter.

At the same time, there are a lot of stories on the web that Lindorff threatens its debtors, demanding to return the funds as soon as possible. This vector of work of collectors is most known from stories from friends who have not returned loans. Companies of this specification are able to work not only by legal methods, but also psychological ones, influencing the client. For example, they may include night calls, threats by phone and mail, frequent personal visits of collectors to the house. This is all done with one goal - to complicate the life of the client, to intimidate him and force him to repay the debt. Of course, professionals are engaged in this, so it is difficult to resist them.

The debtor's reaction

On such methods of influence, the reaction of ordinary borrowers is different, take at least "Lindorff". The testimonies testify that some people in every possible way ignored the messages of the collectors, steadily tolerated all the attacks on their part, thanks to which everything went well. There are also other categories of people - those who really try to repay the debt. If a company remarks that a person is genuinely working to pay off debts, the pressure on him is going down - that's natural.

As for another category of people, they can be called victims of the collection system. Some borrowers are looking for different ways to get rid of debts, finding even the most extreme of them. We all know about suicides, which are committed after prolonged pressure from such structures. Unfortunately, there are a lot of such stories.

OOO Lindorff - what is it?

So, let's continue. As already mentioned above, LLC Lindorff (St. Petersburg - one of the cities where their offices are located) is an international agency working with debtors and creditors. Judging by the information on their official website, the company has been operating since the end of the 19th century - even then, in the relations of a credit and financial nature, there was a need for such tools for the return of funds. In Russia, the company was opened only in 2007.

The agency conducts activities in different directions, buying up problem loan portfolios from banks, helping various organizations repay debts for utilities, communications, internet, television and other benefits of civilization. The company has a regional network, for example, another one of such centers is LLC "Lindorff" - Nizhny Novgorod. There is an office and representative office of the agency, which works on local organizations and banking structures.

It is noteworthy that the company's activities are conducted in the form of a dialogue: it serves not only creditors but also debtors.

Who can an agency contact?

First of all, to those who do not pay debts on their loans or for services that have been consumed. At the same time, as noted about the "Lindorff" reviews, it is not always the treatment of collectors has any negative consequences for the debtor. If the debt has just started to form, and the person will go to a dialogue and return the funds, the record that he is a malicious violator and does not fulfill his obligations will not fall into his credit history.

Flexibility of collectors

Also, the company, sending notifications to those who in the future can become its "victim", focuses on broad opportunities for resolving disputes and disagreements. In particular, if a person genuinely wants to repay his debt, but can not do it, he can agree on a deferral, for example. As Lindorff's clients write, whose reviews can be read freely, the company often compromises.

What should I do if you get a call?

This is what you should keep in mind if you are approached. Your task is not to allow the conflict to arise, to react adequately and with an understanding of what consequences you can expect. In fact, the collection company's equipment is much more powerful than you, so it's better to treat them kindly - why spoil your nerves?

Think about whether you will be able to pay the funds mentioned in LLC Lindorff, what kind of debt it is when the payment term passes and you get the debtor status. All these details must be carefully thought out in order to understand how to proceed. Then, of course, it is necessary to establish a dialogue with representatives of the agency, to get in touch with them and to show that you are open.

How are debts collected at Lindorff?

Most often, debts in OOO Lindorff (reviews of debtors, at least, testify to this) are collected peacefully and quietly. Some people adequately and sympathetically relate to their duties to pay this or that amount, learns how to do it right, turns to the agency so that all the nuances are intelligibly explained to them.

"Other" debtors

Of course, there are other categories of debtors. With them, LLC Lindorff (what kind of debtors, we will not specify, just believe that such people are always) works in a court of law. A lawsuit is being filed against a person for failing to fulfill the civil obligations incurred, in which it is required to recover a certain amount from him plus compensation. If the court approves this claim, collectors may apply to the bailiff to execute the court decision.

Of course, there are other isolated situations when there is a need to collect arrears, but there is really no possibility to do so. Then, obviously, collectors resort to other methods, including those that we hear about in transmissions and from acquaintances. Debtors complain that "Lindorff" threatens them, their relatives and families, threatening to file appropriate suits in court. It is difficult to say whether this is successful or not. Typically, agencies of this nature perfectly know where they are right, and where not. Therefore, it is easier to protect their interests in court than to an ordinary debtor.

Who should I contact for help?

Of course, in Russia, LLC Lindorff (St. Petersburg or any other city) can act by some of its own, not entirely legitimate methods. To protect yourself from this, you need to know who to turn to for help. From the collectors, we can save professional lawyers who are looking for first things in the actions that can be called illegal. You can contact a lawyer or a company that provides such services - and no LLC "Lindorff" (which is that any other agency) you are not afraid. You may even be able to avoid a debt repayment - but then be prepared for an impressive account for the services of such lawyers.

Do not let the debt!

In general, there is the simplest and most effective method to get rid of collectors pressure. Like Lindorff, the collection agency with a different name is also designed to repay debts. This is their work, so expect some kind of indulgence from such companies is not worth it.

If you do not want problems, just give up loans. The same applies to debts in the sphere of housing and communal services and any others. You need to live by your means, allowing yourself what you can count on. Sometimes it is difficult, in certain situations - it is impossible, but in most cases, the person is to blame himself, when they address him from "Lindorff". The collection agency only helps you to correct the mistake. Treat this as such, and to repay the debt to you will at least be psychologically easier.