Case Default

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.

Games People Play

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? ". .

The Japanese

The crisis exposed the still quite a lot things that were hidden by the race of prices. The Japanese, as we think it wise narodec, also during the financial crisis in America slashed, as history shows, during the crisis seventieth Japanese also have invested in the U.S. Property badly burned, and the prices for twenty years and have not risen. The same phenomenon can be observed here. As analysts began to talk – real estate prices will rise in the middle of two thousand and ten. Times during crisis, reduced construction and erection of dwelling houses, the market will be reduced sentence, which would push prices up. Let's look at analysts' expectations, to which they lead.

Act on the mass consciousness psychological factors. If you go into people's minds the team that you can buy real estate, all there is no crisis will not help. Immediately a demand, and not deferred, namely investment. Now, in times of crisis Real estate purchase are the people who really need and have the opportunity to make a purchase, you have a real demand for property and now we are seeing, not the frozen or pent-up demand. I'm passing by new home, which already delivered, as two years on the street is dark, and the house is burning just a couple of windows, and where everyone else had gone to meet Christmas, or skate skiing. There is no other, older homes with the windows procedure, the light is everywhere. This is the snapshot data, which shows that the house is put, the apartments are sold out, but this investment apartment investors for some reason can not take them, or even what causes it, but eventually the house stands empty, and these homes only three on my street. And I remember how, in Soviet times, drove in new buildings, in an old apartment in the morning and evening in a new, and let's find out where friends in what is now live an apartment, everything happened in one day, then immediately tree planting and improvement of the territory, but that the Soviet years, then lived poorly.

That will show us two thousand and ten years, no one can predict, no analyst can help. What with the crisis, where did he go, like anything did not, but the crisis has passed. And that shows us the labor market, we have unemployment has come to naught, of course not. Unemployment is only growing, credits for businesses have not started to issue. Where to rise, which could affect effective demand of the population? This article must be read at the end of two thousand and ten, that would be interesting to see who was wrong with the forecasts, and some do not.