This article is from WeChat public account: true story plan (ID: zhenshigushi1) , author: Zhangtai Yang, from the title figure: vision China
When it comes to collection, violence is always inevitable. And when the collector no longer uses force and owes money, it becomes empty talk. Today’s story comes from a former collector who has been in business for a year. The collection industry is far more complicated than we think.
Story time: 2019
Story location: Heilongjiang
1
“Boss, it’s been half a year. When will you pay 60,000 yuan?” In the hot pot restaurant, Liu Ning took the dunning note in front of Jiang Cheng and clicked the “” Days Overdue”.
Jiang Cheng hurriedly took out two cigarettes and handed them to us, saying repeatedly: “Brothers, wait, wait, the business is really bad, and I ca n’t even open my salary.”
“Stop and stop”, Liu Ning waved his hand, stopped his words, and said, “I don’t care about your business. In short, the bank still has to go through judicial procedures to freeze your property.” < / p>
Jiang Cheng nodded and said yes, promised to collect money immediately. Liu Ning gave me a proud look and got up to take me out of the hot pot restaurant.
I’m a collection clerk at a local financial institution. The job content is very simple-without touching the law, let the user of the overdue credit card repay the money, and take a 5% of the collection fee as a commission.
On the first day of employment, the leader arranged for Liu Ning to take me through the business flow.Cheng. In Liu Ning’s words, this is “a job that can be done with a long head”. At the end of the morning meeting, he printed out a call list and threw it to me, asking me to make the above calls in order.
“If you do n’t connect, you will talk about three things. One, how much money he owes and how long it is overdue; two, you will sue him and freeze the property if you do n’t pay back; He tried to find a way to meet and talk in detail. “After talking about this, Liu Ning went back to the station to play mobile phone.
Forty names were written densely on the list, and a phone call came down. Only Jiang Cheng agreed. Earlier this year, he owed 60,000 credit cards to open a hot pot restaurant, but the business in the store has been bad and the money has not been paid. However, Liu Ning ignored these and insisted that he would sue him if he did not pay back the money and let him think of a way.
I do n’t know if Jiang Cheng paid back the money, nor did Liu Ning mention this person again. The next day, the director gave me a new collection list. The people who owe money on this list really belong to me. Only when these people repay the money, I get a commission.
2
In the next three months, I made countless calls to collect money, but when I was called, most people had already lost their ability to repay. My performance is always at the bottom, and my salary is only 4,000 yuan.
Just as I wondered if I should change jobs, Liu Ning came again and said that I was going to teach me how to do this job.
He logged in to a new workbench on my computer. Compared with the previous page that only had basic information of the debtor, there is an additional details button behind the new workbench. When you go in, the identity information, home address, work address, and family contact information of the debtor are clear at a glance. Liu Ning flipped through the list and said to me, “Hurry her.”
The position where the mouse is hovering reads Zhang Lanlan’s name. She is a college teacher. I have called her many times and it is impossible to connect. Liu Ning glanced at her information, and then pressed a series of phone numbers on the landline.
After the call was connected, the voice of an old man came. Liu Ning immediately said in a reproach: “Is it Zhang Lanlan’s mother? Your daughter owes 80,000 yuan in credit card. Do you know? We can’t contact her , You ask her to call back and ask her directly if you have any questions, she knows better than us. “
Hang up, Liu Ning told me to watch. After more than an hour, Zhang LanLan really returned the call. It seems that I couldn’t get through before.
Liu Ning came over to pick up the phone, and the voice over the microphone said quietly: If you dare to disturb my family because of this, you will wait to be charged. The phone hung up.
Liu Ning wasn’t angry. Instead, he sneered, took Zhang Lanlan’s information with his mobile phone, and left the office.
Zhang Lanlan called again at noon the next day, as if she had become a person. She begged Liu Ning to talk to her in person.
On the way to see Zhang Lanlan, I couldn’t help but ask Liu Ning what method. He told me that he edited a text message as a lawyer telling Zhang Lanlan that she was involved in criminal law and asked her to call for advice or contact the bank’s credit card center.
“It’s that simple?” I’m a little puzzled, can this trick a college teacher? But Liu Ning told me that Most people receive such text messages as scammers, but the debtors do not, because they are afraid that they will actually go to jail and will try to solve the problem quickly.
At the agreed restaurant, Zhang Lanlan is already waiting for us. After taking the seat, Zhang Lanlan was really anxious to ask about the text message. Liu Ning told her that she was now ready to go through legal procedures, and she could only pay back the money immediately. There was no other way.
Zhang Lanlan frowned and explained to us that she lent the card to her girlfriend to do business, but the girlfriend said that she would pay the money on time and she didn’t care. Her son had just gotten married, and all the money in the family was used to buy a house and hold a wedding for his son.
Liu Ning said impatiently: “Whoever pays back is a matter between you, but this is your card. No one can only sue you if you do not pay back. There are only two ways you do n’t want to be charged. After clearing 78,000 yuan, you can either set up an instalment and pay 18,000 liquidated damages first, and the remaining 60,000 principal will be paid in installments. We can also reduce or exempt your interest from overdue half a year.
I was stunned. It stands to reason that Zhang Lanlan’s credit card has been blocked because it has been overdue, so I can’t repay it by installments. I haven’t heard that there is such a method. After listening for a long time, I realized that after the card was blocked, I only needed to write an application form for the director to sign the installment, but Liu Ning explained the process very complicated. The opposite Zhang Lanlan heard it in fog.
Under Liu Ning ’s semi-guided and semi-intimidated, Zhang Lanlan finally chose to repay by installments. She transferred the liquidated damages of 18 thousand to Liu Ning via WeChat and asked him to reply on WeChat: Sales clerk Liu Ning received . Liu Ning did so.
After coming out of the restaurant, Liu Ning passed the money through WeChatTransfer it to me and repeatedly tell me to take this money out of the box, put it in an envelope, and give it to the director with the application form. He tapped on my cell phone and said: “Remember, it must be cash, and you must put the envelope in the bag and give it to the director, so that no one can see it.”
I understand what Liu Ning meant. After returning the unit to the director, after completing the instalment procedures, Zhang Lanlan sent Liu Ning a WeChat. The above is a screenshot of a short message showing that the instalment was successful. There are also two words attached to the picture: Thank you.
When I was off work, the director called me to the office, returned the bag to me, and encouraged me. He said that he would be a brother in the future. He would not be too greedy when he became an elder brother if he had five or five cents. When I got home and opened the bag, it turned out that it was worth 9,000 yuan in the envelope.
I suddenly felt that Zhang Lanlan’s “thank you” was a little ironic.
3
Benefits from a debtor are worth more than two months’ wages. The director’s meaning is very clear. Those who are blocked in the future will have to pay liquidated damages if we want to pay them in installments. But such behavior is undoubtedly worse for those who cannot afford it.
I called Liu Ning and asked him if I could give him the part of the director’s money, and let me pay the debtor directly into the card. After listening and laughing, Liu Ning said seriously, “If you think compassion is more important than money, I urge you to resign.”
I met Liu Ning in the unit the next day. He didn’t mention the content on the phone the previous day, but told me if there was any difficulty and called him. In accordance with Liu Ning’s method, I made five appointments a week and three of them gave me the liquidated damages. Everyone who successfully handled the instalments came over to thank me.
I have mastered a set of words. The most important thing about making people pay back is to convince him that paying back money will bring benefits. People owe money for different reasons, but they all have one thing in common-they are in a difficult position in life. At this time, as long as I propose the benefits of instalments and interest reduction, it is enough to convince them that they have seized Life-saving straw.
After one month, most users have chosen to repay by installments. My salary is still more than 4,000, but I make as much as 30,000 in installments for users.
I can’t bear this money,Although I met people with various difficulties, those who complained in front of me, those who wept, and lost confidence, I did not try to reduce the penalty for them by half.
I selectively forgot what I said to Liu Ning on the phone that day.
In early July, a new batch of dunning lists was added. A 60-year-old man on the list owed 80,000 yuan in principal and was overdue for three months. According to past experience, the elderly are more proficient at speaking, and they generally owe money because of being dragged down by their children. There is no need to design routines, frighten them, and just ask for money.
I met the old man very smoothly, but the reason I owed money was beyond my expectation.
He said to me that his son and the small partner had contracted a project, and the two of them had to go to get the project money after the acceptance was completed. As a result, he had an eye attack that day, and his son took him to the hospital. The hospital may have a permanent diagnosis. Sexual blindness and hospitalization was arranged directly.
His son has always been filial and forgot to withdraw money. He stayed in the hospital for a week to take care of it. When he thought of it, Fa Xiao was already running with 3 million engineering funds. After the alarm was found, the three million engineering models had already been squandered by him.
The wages of workers need to be paid urgently. The son’s credit card has already been used up during the advance payment of the project. Only the father can handle two credit cards. After paying the salary, there is no source of economics, so the credit card is dragged on and on until it is overdue.
I learned from Liu Ning and said to the old man, “We don’t care about your son and your child, we just pay you back …”
It’s too cruel to say this to an old man who is going to be blind. I don’t dare to look directly at the old man, his voice gradually weakens.
The old man’s son is on a business trip. My old couple flirted with a fine of 12 thousand yuan and gave it to me. It was customarily given to the director. I didn’t expect that the old man’s son returned to the unit directly after a business trip and shocked the big leader. Finally, at the suggestion of the director, I took out of my own pocket and gave it back to the old man’s son, and the matter was settled.
4
After this happened, I became a bit daunted. I don’t know if I can’t bear to do this kind of thing again, or if I dare not do it again. For this reason, the director talked to me several times and said, “If you feel that you are not suitable for this job, resign, and don’t bother everyone to make money.”
I decided to try again, after allThe salesperson at the tier can earn 30,000 a month, which is too tempting.
After the new round of the list came down, I contacted a debtor named Gao Yue. She said very cooperatively that she wanted to pay back the money, but she had limited financial ability and could not pay it off in one go. The fish was hooked. I reasonably recommended her to install it in stages.
Gao Yue works in state-owned enterprises and has a lot of salary, but there is nothing left in a credit card of 150,000 credits. I thought she was a woman who spends too much money, thinking about how she could make a fortune on her. But when I walked into her house, I immediately dispelled the idea.
The house is empty and there isn’t a decent home appliance. Although it is clean and tidy, it still can’t cover up the ruined atmosphere.
Gao Yue sat in a chair and talked about the reason for running out of credit cards, and then started crying. It turned out that her daughter had diabetes when she was three years old. For fifteen years, Gao Yue spent all her money to treat her. When the daughter was eight years old, the father of the child felt that he could not live on, and the divorce took away half of the family’s property. Since then, Gao Yue has sold everything that can be sold, the house has not been saved, and her daughter lived in a rental house. But doctors say that daughters can live up to 25.
Gao Yue told me that before the divorce, her husband forced her to choose between marriage and children, and even told her: You let her die early, maybe she thanked you. Now the child has been injecting insulin for a long time, her legs have lost pain, and her eyes are getting more and more blurred, but she cannot give up, she just wants to take care of her daughter until the child leaves.
Crying for a while, it seemed to remind me of my purpose here. Gao Yue wiped away her tears and whispered, “For the time being, only 15 thousand, only so much.”
I took Gao Yue’s money and didn’t dare to look back at her and her children. I said I would go to help her with the instalment and rush out of the house.
On the way back to the unit, I took out my mobile phone, called my mother, and asked her what to do if I had diabetes.
My mother seemed to be scared. She kept saying “Oh, you child”, and couldn’t help but sigh, “I can save my child if I can’t see it, and I will be saved by selling iron.” p>
Hanging up the phone, I ran back to Gaoyue’s house and sent the money back.
Back at the unit, I lied to the director and said that the customer would give money tomorrow and sign her today. The director saw that I took a big order and came back. Without doubt, I signed the application directly. After Gao Yueyue told me that the application was approved in stages, I told the director the truth.
“Do you have shit in your head? Why are you so compassionate about not taking your money?Donate it all to begging? “The director, who knew the truth, was desperate, and scolded me from beginning to end. I thought about the consequences of this, but I did not expect the director’s anger to be so fierce.
“You are so kind. Can I help me with more than 10,000 mortgages a month? You are so kind, can you help me with more than 4,000 car loans a month?” The director printed from the computer. Put out a resignation application and throw it in front of me, saying: “Hurry up to make room for the bad guys, I ca n’t tolerate you in this hell, we are all accountants, you are a living Buddha.” / p>
I signed the resignation office and turned to the personnel seal to complete the formalities.
On the way home, I passed by the hot pot restaurant where Liu Ning took me to collect money on the first day of my job. Jiang Cheng happened to come out of the store. He greeted me and said that business has improved recently, and took out a cigarette from his pocket and handed it to me.
I took it to light it, Jiang Cheng hesitated, and asked, “Can Liu Ning’s instalment be done before? I can’t make money at that time, but I’m a little bit in my hand now.”
I thought about it, and told him: “If you have money, just return it to the card. Don’t give it to us.”
* To protect the privacy of the parties, Jiang Cheng, Liu Ning, etc. are pseudonyms.
This article is from the WeChat public account: true story plan (ID: zhenshigushi1) , author: Zhangtai Yang