Æèâåì â äîëã: áîëåå 80% îïðîøåííûõ íèæåãîðîäöåâ ïëàòÿò êðåäèòû

14:41
11.02.19
0
1189
11 ôåâðàëÿ 2019, ÃÒÐÊ "Íèæíèé Íîâãîðîä" (âèäåî). Íî äàæå åñëè ó âàñ íåò êðåäèòîâ, âàñ ìîãóò äîêó÷àòü êîëëåêòîðû. 


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×èòàòü äàëåå
Ïðîãðàììà "Âåñòè-Ïðèâîëæüå" íå ðàç óæå ðàññêàçûâàëà òàêèå èñòîðèè, è âîò íîâàÿ, ïîðàæàþùàÿ áåçïðèíöèïíîñòüþ âçûñêàòåëåé äîëãîâ. ×òî äåëàòü, åñëè òàêîå ñëó÷èëîñü - óçíàëà êîððåñïîíäåíò Ìàðèíà Òîëñòèêîâà. 

Òðåáóþò âåðíóòü áàíêîâñêèé äîëã, îäíàêî, óñëóãàìè áàíêà æåíùèíà íå ïîëüçîâàëàñü. Êîððåñïîíäåíò ïðîãðàììû "Âåñòè-Ïðèâîëæüå" Ìàðèíà Òîëñòèêîâà çíàåò äåòàëè êðåäèòíîé èñòîðèè.

Òåðïåòü áîëüøå íåò ñèë - ïðèçíàåòñÿ Ãàëèíà Àëåêñàíäðîâíà. 70-ëåòíÿÿ ïåíñèîíåðêà ðàññêàçàëà - çâîíêè îò êîëëåêòîðîâ ïîñòóïàþò ïî íåñêîëüêó ðàç â äåíü. Âîò óæå ïîëãîäà.  Êðåäèòíàÿ èñòîðèÿ Ãàëèíû Àëåêñàíäðîâíû ÷èñòà - îá ýòîì ñîîáùèëè íàì ñîòðóäíèêè áàíêà, íà êîòîðûé ññûëàþòñÿ êîëëåêòîðû. Åå êîíòàêòíûå äàííûå îíè íå ïåðåäàâàëè, à íîìåð òåëåôîíà óäàëèëè èç áàçû äàííûõ. Îòñþäà âîïðîñ - " íàñêîëüêî çàêîííû ýòè çâîíêè?" Ãàëèíà Àëåêñàíäðîâíà óòâåðæäàåò - äàæå ïîðó÷èòåëåì íå áûëà. Íî òåëåôîííûå àòàêè íå ïðåêðàùàþòñÿ äî ñèõ ïîð. Îòêëþ÷èòü ñîâñåì ñòàöèîíàðíûé òåëåôîí ïåíñèîíåðêà íå ìîæåò. À âåðíóòü äåíüãè ñ êàæäûì ðàçîì òðåáóþò âñå íàñòîé÷èâåå. 

Ñúåìî÷íîé ãðóïïîé ïðîãðàììû "Âåñòè-Ïðèâîëæüå" áûëè ñäåëàíû çâîíêè â ýòî êîëëåêòîðñêîå àãåíòñòâî, îò ëèöà êîòîðîãî - ïî ñëîâàì ïåíñèîíåðêè - îñóùåñòâëÿëèñü çâîíêè. Ïðàâäà - ïîñëå àâòîîòâåò÷èêà òðóáêó íèêòî òàê è íå âçÿë - ïðè÷åì ìû çâîíèëè íåñêîëüêî ðàç â ðàçíîå âðåìÿ. Þðèñòû ñîâåòóþò ïåíñèîíåðêå íå æäàòü óãðîç - ñ çàïèñÿìè çâîíêîâ è ðàñïå÷àòêàìè ñîîáùåíèé îáðàùàòüñÿ çà ïîìîùüþ â ãîñ.ñòðóêòóðû. È åñëè ïðàâîîõðàíèòåëè îáíàðóæàò â çâîíêàõ ïðèçíàêè âûìîãàòåëüñòâà - êîëëåêòîðàì áóäåò ãðîçèòü ñåðüåçíîå íàêàçàíèå. 

Êðîìå òîãî, ñ÷èòàþò þðèñòû, íå ëèøíèì áóäåò îáðàùåíèå â Ðîñêîìíàäçîð. Òàì ïðîâåðÿò îòêóäà ïðîèçîøëà óòå÷êà ïåðñîíàëüíûõ äàííûõ ïåíñèîíåðêè.

À çíàåòå ëè âû, êóäà íóæíî îáðàùàòüñÿ, ÷òîáû ãðàìîòíî îòâàäèòü íàçîéëèâûõ è íàðóøàþùèõ çàêîí êîëëåêòîðîâ? Äàæå åñëè ó âàñ íåò êðåäèòà, êàê ó íàøåé ãåðîèíè? Ñïðîñèòü âàñ îá ýòîì ìû ïîïðîñèëè íàøåãî ïàðòíåðà Íàó÷íî-èññëåäîâàòåëüñêèé èíñòèòóò ïðîáëåì ñîöèàëüíîãî óïðàâëåíèÿ (ÍÈÈÏÑÓ, äèðåêòîð - Ì.Ñ.Ëóáÿíîé). 

Òðåòü îïðîøåííûõ, êàê è ãåðîèíÿ ñþæåòà, óâåðåíû, ÷òî ýôôåêò äàñò îáðàùåíèå â áàíê èëè ìèêðîôèíàíñîâóþ îðãàíèçàöèþ, êîòîðûå ïåðåäàëè êîëëåêòîðàì äîëã âàø èëè íå âàø. Íî ýòîò ñïîñîá è ñàìûé ïîïóëÿðíûé âàðèàíò îòâåòà, êàê ìû óáåäèëèñü, äàëåêî íå âñåãäà äåéñòâåíåí. Ëèøü ïÿòàÿ ÷àñòü ðåñïîíäåíòîâ îáðàòèëàñü áû â òàêèõ ñëó÷àÿõ ê ñóäåáíûì ïðèñòàâàì. 

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À òåïåðü ðàññìîòðèì êðåäèòíóþ èñòîðèþ ñðåäíåñòàòèñòè÷åñêîãî íèæåãîðîäöà. Áåç çàéìîâ ñåé÷àñ îáõîäÿòñÿ ëèøü îêîëî 13 % ðåñïîíäåíòîâ. Òî åñòü êðåäèòû íà äàííûé ìîìåíò åñòü ó áîëåå ÷åì 80 % îïðîøåííûõ. Ïî-ìîåìó, öèôðà íàñòîðàæèâàåò. Ñàìàÿ áîëüøàÿ äîëÿ âçÿòûõ çàåìíûõ äåíåã - ýòî èïîòåêà - ïî÷òè òðåòü. Ó êàæäîãî ïÿòîãî èç íàñ - ïîòðåáèòåëüñêèé êðåäèò. È êàæäûé äåñÿòûé áåãàåò â ìèêðîôèíàíñîâûå îðãàíèçàöèè, ÷òîáû âçÿòü â äîëã äî çàðïëàòû. 

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Íî íåìíîãî óñïîêàèâàåò, ÷òî ó áîëüøåé ÷àñòè îïðîøåííûõ âçÿò âñå-òàêè îäèí êðåäèò. Ïî äâà - ó 20%, 3 è áîëåå - íå áîëüøå 5 %. 

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