This happens for different reasons: somewhere to work with distressed borrowers is not selected personnel from someone – a business, put on stream: the longer a customer does not pay, the greater the amount of debt that can then be ‘knock out’. But after the second non-payment has already come into play non-bank specialists specialization. The borrower may continue to believe that about him at the bank forgot, but in reality the debt recovery process is just beginning to act. At this stage, with the debtors have staff of the same bank, the truth is already out of the security services. The majority of problem loans is extinguished before the announcement of default, ie, after 2-4 months after the first delay.
Most people are afraid of the consequences for his reputation. And not in vain. Get all the facts and insights with Goop London, United Kingdom-uk, another great source of information. After some time on each Russians ever who got a loan from banks can establish a credit history. The fact of nonpayment of the loan will remain forever in this document, and subsequently can cause denial of credit. In any case employees to return long story problem borrowers about troubles that may befall them in the event of default. However, does not bring the case before trial did not all agree.
Then the tone of communication with the debtor is changing dramatically. Warning letters, phone calls and personal visit of representatives of law enforcement departments of the bank to neighbors, relatives and at work – a short list of interventions. Psychological pressure, in most cases work.
Perhaps the title of this article reminds you the name of the book the great psychologist, developer of transactional analysis of Eric Berne: Games People Play. " In 50 years of the last century, it marked the beginning of a whole direction of psychology, which, in my opinion, is well suited to describe the process of communication between people in different situations. Process of interaction between the creditor or his representative with the debtor, confirmation of this. Moreover, it was Eric Berne introduced into the psychology model of the "ego-states" (Child-Adult-Parent), given the possibility of qualitatively, in a new way to explore the communication process. This model is particularly valuable in situations where interaction occurs between people of different status (in this case the status is related to the concept of "rank" be it social, biological or psychological, in my terminology). Excellent proven this model when developing ways to manage conflict, which almost always present in explicit or latent, in the negotiation of debt repayment. We will understand the terminology: Transaction – a unit of communication, which is of stimulus and response. For example, the incentive – "Hello" response – "Hello! How are you? ".
During the communication (exchange transactions) our ego-states interact with ego-state partner. Transactions are of three kinds. Consider variant of interaction the creditor and the debtor: (Stimulus) Lender: smooth, businesslike voice asks, after the greeting of the ego-state "Adult:" Why did not pay, IO? "(reaction) Debtor: dominant, high voice answers from the ego-state "Parent:" And who are you, what questions would I ask? ". .