Recently, more and more banks are turning to collection companies to get their debts out of their citizens. It does not matter for what reason - a real loss of solvency or simply unwillingness to pay drives such people. But if banks and credit organizations "sell" your debt, you will have to communicate with collectors. And they, as you know, do not always act within the law. And more and more often, citizens come across an organization called Credit Express Finance. Do they need to pay? This question is asked by many. There are reasons for that. For example, this company is very often encountered by citizens who, in principle, did not take loans or loans. At the same time, you will still receive payment notifications, warnings, and sometimes even threats. So how to really be?
Who are they
First of all, you need to find out with whom we will generally communicate. After all, many people are interested in this question. Especially those who did not take any loans or loans at all. This is a collection agency. "Credit Express Finance" - collectors. There is nothing particularly suspicious about their activities. After all, everyone has long known what these companies are.
These organizations are engaged in "knocking out" debts from debtors. And if you suddenly receive a notification from such a company, it is usually customary to quickly pay off the debt. Otherwise, you can bring trouble. As already mentioned, collectors do not always act within the framework of the law. And this fact scares many. But what about the Credit Express Finance? Do they need to pay? Or can you completely break the payment notification, as well as completely ignore this corporation? Both citizens who faced the organization and lawyers help answer these questions. It is worth listening to their advice.
Start
Where does it all start? At first, the organization does not cause any suspicion. Especially if you have a debt to a bank or credit institution. You will receive a letter in the mail. More precisely, a notice in which it will be written that the debt is "sold" to a collection company called Credit Express Finance. Do I have to pay them?
Here, many citizens do not even understand the issue. Moreover, the notification received is so frightening and alarming that many simply look for receipts for payment, then transfer money according to the details indicated in the payment. That is, they do not want to think about the issue of debt repayment. This is not entirely correct. After all, "Credit Express Finance" causes great controversy both among citizens and lawyers. This organization is not yet known to all. Therefore, you have to constantly think about whether you need to make money, according to the payment. This is especially true for those who did not take loans, loans and have no debts to the state. Indeed, not a single collection company will just start sending notifications and warnings. So something is wrong here. What is Credit Express Finance really? Do they need to pay? Collectors on the inventory of property quite often apply. But usually they first "knock out" debts. Our today's organization is also trying to do this.
We are looking on the map
Well, let's try to figure out what's what. What is Credit Express Finance really? Do they need to pay, or is it better to ignore everything that is sent to you in the mail under any circumstances? Lawyers, and many users, too, are advised to pay attention to some rather interesting points that can give you an accurate answer about further contact with the organization. Which ones?
To begin with, the first thing you will have to find is "Credit Express Finance" on the map.You have the details, but the address of the company is not so easy to see. Moreover, if you try to find it on the map, then in reality no collection agency can be found. No, there is a legal address. And on interactive maps you can see it (in Moscow). But in practice, finding this collection agency will not work. You will arrive at the indicated coordinates, and there - nothing. Suspicious, right? Therefore, not everyone is credible "Credit Express Finance". Is it worth it to pay further, and indeed, start doing it? Even if we assume that the company simply moved and did not update the current information about its location, you need to pay attention to a few more interesting and suspicious points.
Site
Special attention should be paid to the official page of the collection company. It's no secret that now with the help of the Internet you can find out everything about a particular organization. Moreover, often lies and lies are revealed. And even the dishonesty of the company. Helps determine the official page of the corporation.
Look at the address "Credit Express Finance". Do they need to pay? Repayment of debt is an obligatory process, but only when it comes to a proven and reliable organization. And if we take into account that quite often our today's company begins to bother citizens without debts, then we will have to carefully study all its components. She is behaving suspiciously.
The official site, frankly, is not credible. In particular, if you look at the date of hosting creation. "Credit Express Finance" is a collection agency that has been living in the world for a long time (as they say themselves), and the page was created in 2005. The mess. Too suspicious moment, which is often overlooked. Lawyers and users are advised to think about why the organization itself has existed since 2012 (according to registration information), and its website appeared, as it turns out, long before its formation. This is very suspicious. Moreover, in practice this kind of phenomenon did not occur in principle. Well, how can an official virtual representation appear before an organization?
If we talk about how the site looks like, you can safely safely close the page, and throw away the payment. The official page is something like the simplest template on free hosting. And all this is at CreditExpress Finance. Do they need to pay? Let's figure it out next. What else can you pay attention to make sure of deceit or good faith? So far, everything points to the first scenario.
Contacts
For example, to contacts. This is not about the address of the company. Well, we did not find it on the map, or rather, in the city. This also happens, although this is an extremely rare occurrence. Nevertheless, on the official site of "Credit Express Finance" (do they have to pay?) All contact details are all the same given. Moreover, on the right side of the screen you can see the form of a conversation with a consultant. And in the "Contacts" section there is a feedback form, which should help communication of clients / debtors with the organization.
In principle, there is nothing suspicious here. Just try to contact the company on the proposed phones - this will not work. How can you talk to Credit Express Finance? Do they need to pay? The contacts indicated on the official page (telephones and addresses for sure), as practice shows, are a lie and a hoax. But by e-mail, feedback form or using a virtual dialogue from the site - easily. So, while there is every reason to believe that we are not the most conscientious organization. So, to pay off the debt to her, at least, no need to rush. Otherwise, you can be left without money, and with certain consequences. At what points is it worth focusing more?
Billing
For example, pay attention to the receipt sent to you. She, as a rule, causes doubts and suspicions among many citizens. After all, it is often possible to meet here some non-standard data, which collectors usually do not have.After all, banks simply provide them with some information about you, and also transfer the right to “knock out” the debt. And nothing more.
How are things going with an organization called Credit Express Finance? Do they need to pay? Do the data in the payment documents match? Usually it is in receipts and notifications that you can see information that no one can know. And even more so, such data is not indicated in the actual payment.
What is this about? The thing is that Credit Express Finance knows exactly your initials, place of work, activity and address. And more often than not, you are directly notified about this. Pretty suspicious. Indeed, in no payment document will it be written about your work, for example. So there is suspicion.
Nevertheless, simultaneously with this fact, it can be said that all information about the debtor is transmitted by the bank. This means that the address, and place of work, and your initials will be known to collectors. They must understand who they are dealing with. Lawyers and citizens assure: if we face fraud and scammers, do not be surprised that the personal data in the payment is the same as yours. After all, there are so-called "information databases" in which all moments of interest to fraudsters are collected. Such documents are bought on black markets, then used for their own mercenary purposes.
Did not match
Have you met Credit Express Finance? Do they need to pay? Did the collectors send you an inventory or a payment for "knocking out" a debt? Then it is worth paying attention to another rather interesting, sometimes even funny, moment. He will quickly indicate that we are facing real scammers.
What is this about? Often, citizens do not actually live where they are registered. This is a normal occurrence, but when applying for a loan or loan, you will have to indicate your registration. And the actual place of residence, although required, is rare. "Credit Express Finance" very often sends payments and other notifications requesting payment of debt and interest on loans / borrowings to the homeowner. That is, no one took anything, and the receipt does not contain information about the tenants of the apartment. This is a direct indication of fraud. After all, banks will worry in advance that all payment documents come from them in the name of the real debtor who lives (in fact) at the specified address. This also applies to collection companies.
When did you pay?
Well, suppose that you have already paid the debt of Credit Express Finance. Do they need to pay interest? If we consider this organization as really existing, then yes. But citizens and lawyers advise to refrain from instant payment.
What if you have already transferred money to your account? For example, fully repaid your debt. Save the payment document, it may still be useful to you. Why? Often, even after payment, "Credit Express Finance" will bother you. Inventories, notifications, payments, warnings, threatening calls and reminders - all this will become part of your life. And it doesn’t matter if you have a debt or not. An organization will, by all means, remind itself of its existence and "knock out" debts, even non-existent ones.
So keep in mind: payment on receipt does not give you any guarantees. As many users have noted, after the first payment you will begin to be troubled by Credit Express Finance collectors. Do they need to pay? Paying off debt is, of course, important. But if you have already transferred the money, then you can try to send the organization a copy with a check. Not the fact that you will be left behind. But the debt will be "knocked out" anyway, no matter how you try to hide. So lawyers still advise to ignore inventories and notifications from this organization.
Learning the text
Among other things, pay attention to those letters that come to you from the collection company Credit Express Finance.Do they need to pay? It is clearly not worth panic to respond to inventory. Even if all of the above does not cause you any suspicion of dishonesty of the organization, look at what they send you by mail.
You may notice that the text of messages and letters is usually filled with various threats and intimidations. That is, a collection company literally extorts money from you openly. Even if, in principle, there is no debt for you. Collectors, of course, threaten their debtors, but not immediately. And not openly through letters. This is usually done in such a way as to prove threats was difficult or impossible in principle. Only scammers will openly advertise their "plans." After all, their main task is to intimidate the citizen, so that he simply paid the "debt". That is, "Credit Express Finance" (do they need to pay? Dates are indicated the shortest, sometimes requiring a quick resolution of the issue) is pursued only by receiving money from the debtor. It doesn’t matter in what ways, anyway, from whom exactly. A bona fide collection company will never openly advertise its actions, much less threaten in written, documented form. It's like digging a grave with your own hands. After all, the debtor has every right to appeal to the court with a complaint about the actions of the organization.
Scammers
What do we get in the end? Frankly, Credit Express Finance is the most common fraud. Recently, pseudo-activities of collection companies began to develop at tremendous speed. This means that a new type of fraud has appeared in the world, which most often ends with success for the "villain" and losses for the victim.
So if you are thinking about whether you need to pay Credit Express Finance and generally contact this company, you can only say one thing - no. Just ignore the company and its threat payments. All this is a clever and modern fraudulent technique. In general, to know exactly about the debt and the relationship with the collectors, you can always call the bank and find out if your overdue was transferred to the collection company. And if so, which one. The banking organization is obliged to provide these data to you. So easily and simply you can check the integrity of the collectors. The main thing - do not panic if you saw a payment system from CreditExpress Finance. A clever deception, which does not need to be reacted in any way, is the advice often given by lawyers and ordinary citizens. Have you met with Credit Express Finance? Do they need to pay? Details and letters from this organization just ignore. These are scammers!
