Clipping of news on Brazilian Culture, Law and Citizenship
03/15/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Already installment plans, loans, cards and overdrafts are less settled.
52.8% of respondents felt constrained to be charged.
A survey conducted by the Credit Protection Service (SPC Brazil) and the National Confederation of Shopkeepers (CNDL) reveals that the accounts in internet late and pay TV were those that had the highest success rates in the charges for the payment of debt, or actually been paid after the collection - 54% and 52%, respectively.
User access page on the Internet in notebook (Photo: Pixabay / Handout)
internet accounts are the most paid
On the other hand, the arrears of installment plans are those with the lowest payment rate (16.9%), behind the debts of loans and overdrafts (both 24.2%) and credit card ( 29.1%).
According to research, the collection is an uncomfortable time for consumers: 24.7% feel encouraged to pay debts, but more than half (52.8%) say they feel embarrassment, 23.8% are upset and 19, 5% anguished.
Regarding the tone adopted in collections by creditors, 33.7% guarantee that the approach was mostly respectful and 26.8% use the "friendly" term. At least 16.8% of consumers surveyed say that the treatment was inadequate, and 8.5% mention the term "threatening".
The study found that the main argument adopted by the collector to convince consumers to pay outstanding bills was informed that the name of the respondent would be registered in the credit protection services if the debt was not repaid (53.2%). One in five consumers (20.4%) claims to have been warned that it would be sued.
Over 80% of respondents were reported by lenders as a result of debts that left them with dirty name card retailers of home appliances and electronics stores (88.2%), credit card (83.8%) and retail stores card clothing and footwear (81.2%).
In 58.3% of cases in which the consumer is charged, companies have adopted the format via letter and 47.5% by phone. Respondents who received the collection still prefer to avoid direct contact with collectors: 28.9% want to be notified by simple letter and 25.8% by email, and only 0.7% prefer the visit of the collector.
Eight in ten consumers (83.7%) admit that the collection was in fact founded. Among those who considered it improper, the most common perception was that the values were not correct and the issue has not been resolved (8%).
Source: G1
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This article was translated by an automatic translation system, and was therefore not reviewed by people.