What does the term "contact person" mean? Rights and duties of contact persons

Let's consider one example. The borrower's wife is called by an unknown person. The first phrase that she hears in the tube: "Do you know such and such a person (does the name of the credited sound)?". Then follow the various clarifying questions about who the borrower is to the person who answered the call. If you are in a similar situation, know: you were listed as a contact person in the loan agreement. What can it threaten you with? What does it mean? Does the contact person expect any responsibility to the bank and the law as a whole? Let's understand.

Why do you need information about a contact person?

When a person comes to fill out a loan agreement, he needs to specify two numbers. In addition, you need to sign them, indicating the name, surname and patronymic. Very often relatives are used as contact persons. The reason for this is very simple. A person wants to be not denied a loan. If the contact person has the same surname, then there is more chance of approving the application for the loan.

If there is a second person (although usually only one ring is called in case of something), the chances multiply increase. This is what drives people to write their close acquaintances. Even in the case when they are fundamentally against this loan. In general, for the most part, loans are evil. And many people do not return them later. And here the question is posed: what if the person who was brought into this agreement should?

What should the contact person?

There are two points of view: banking and legal. Let's look at each of them:

1. The bank sees the duties of a person who has been identified as a contact person, so. You are obliged to tell him about whether you know this person, whether he really lives at this address, and also what you are doing to him. If it suddenly disappears and stops paying the loan, then you should listen to all the calls from the collectors, and preferably return the debt. That is, the bank believes that you should separate the borrower's responsibility.
2. Legal is more truthful. Collectors and sometimes the bank often play on the verge of law. They know how to do this. Therefore, all available methods of pressure on a person are used, which, at least somehow, can be submitted as legitimate. About how this is done, we will go further. It is important for you to understand that the contact person to anybody has never been and will not be. After all, this person did not sign anything independently. If the contact person was entered into the contract by third parties, this absolutely means nothing.

So you need to adhere to the legal point of view, if you are in this contract on such grounds. You are not a guarantor. Therefore, no sanctions in case of non-payment of debt by the person who entered you, can not apply to you. But psychological pressure can be used as one of the methods to lure a debt.

Pressure in case of delay: how is it produced?

Collector pressure is exerted not only on contact persons, but also on other acquaintances of the borrower. For example, under distribution can get neighbors, home phone which to learn simply enough. But this is only resorted to later. From the very beginning terrorize contact persons and prevent them from living peacefully. How is it produced? In the first place, they are pressured by fear and ignorance of the legislation. The scheme is approximately this:

1. You are called by a person from a bank or collection agency and says that such a person has a debt. The word "critical" is necessarily used to scare.
2. He asks you to indicate his whereabouts (remember, you do not owe anything to anyone and if you want you can not answer the question). It is supposed that you should do your best, but find this person.
3. If you refuse to do this, the calls continue. They scare you so much that you do not mourn. And as an exit, they offer you to pay for it. In no case should this be done. First, what is the guarantee that the money will go to the bank? And secondly, why should you pay for the loan if you are not a guarantor?

What to do in this case? Let's see in more detail.

What to do if you are entered as a contact person and pressured by you?

You can also be told that if you are a relative, then you must help another person. Remember, this pressure on your sense of shame. In this aspect, it can prevent you. You are not a mother (and even if your mother is already an adult and can be responsible for the loan) to constantly solve the problems of the borrower. Therefore, you do not need to send money, but write a complaint to Roskomnadzor about phone calls. This is really a good way out. If you follow this advice, then the calls will stop.

conclusions

Here are the main points that you should understand from this article:

• If you did not subscribe to certain rules, then you do not owe anything to anyone. Even if they press on pity and a sense of shame. This is a cunning psychological manipulation. And since relatives often do not know how to adequately weigh the situation, this leads to the success of this manipulation for all its simplicity.
• If you get too often on your home phone, you can just call Roskomnadzor. You can also disable the home phone line altogether. If, however, the mobile number was specified as the contact phone, then no one interferes with bringing the caller to the blacklist. Fortunately, modern smart phones can do this. If not, you can also write a complaint to Roskomnadzor.

Remember, the responsibility of the contact person to the bank tends to zero. And there's no point in worrying.