houses parking. cars appliances is so near until they come to visit you. do you think the property bought on credit really belongs to you. on our t.v. . news today violence has once again flared up. and these are the images the world

has been seeing from the streets of canada. china's corporations are old today. in.

twenty four hours a day. the. twenty first.

special report which looks at what can happen. out of control. easy and convenient it is to live on credit. but many people get in over their heads in can't pay off their loans. get out of here what are you doing here i say. they're forced to pay their debts. include the goldfish. merciless. to. do everything in their power to save their property. doing. what happens to people who don't pay their bills how does repossession work in russia how successful are collection agencies and bailiffs.

fifty kilometers from st petersburg. taking people who don't pay their utility bills. i guess they're expecting us. the law. from taking any action after ten pm before six am. that's why they start work at six o'clock. still sleeping. yes. to delivery. of the.

delivery you so you. do picked up from across the these people haven't paid tricity gas and water bills for months. about to take part in a big reality show t.v. cameras waiting for service office. in january two thousand and nine unpaid utility bills accounted for half of. the first campaign acting on a. company by t.v.

crews. apartment and delivered. in february local residents not only paid their bills in full but even settled some of their debts after that catch it again decided to organize such campaigns on a regular basis. doing this to those who made it to day. so it's for the sake of those who will watch this on t.v. it's. conclusion. local officials are explaining to sleepy delinquent little payers what will happen if they settle their debts in the meantime ten uniformed female bailiffs are getting ready to hand a court papers to the debtors. to do i show my id. to the other man. the bailiff screen entrance is an important part of the show t.v. viewers must see that bailiffs are nice people and there's no need to be afraid of

them as long as you follow the rules and pay your debts the papers have been served but that's not the end the debtor's board a bus. seats and told us a little uncomfortable. but is there any bus when. the bus takes the debtor's to see similar shacks. this is where these people will have to move unless they start paying for utilities . flats in this house you will fix them up a little there's no central heating no water just a well outside. real or not the scare tactics prove extremely convincing to people out of nine pay their debts on the spot if a person refuses to pay even after a tour of the shacks bailiffs go to their house to impound their property. the two

place refrigerator white dish unused. valley one thousand five hundred roubles while taking an inventory beginning his subordinates continue putting psychological pressure on the debtor the t.v. set cost seven thousand rubles but they appraise it it only seven hundred seven unders too little to make it at least seven hundred fifty i'm sorry i can't help it i want to need t.v. this will be my third. include the goldfish. just for lunch. another t.v. . works ok make it five hundred roubles. a little off and doing my job. i guess humor is my way of protecting myself

against the stress. if you take everything you see to heart. all of considered games bailiff's or female each of them has experienced what they call a professional transformation they've learned to show no pity whatsoever to the debtor but these outwardly tough and sarcastic women have human feelings like anybody else . unfortunately i'm not wearing a tie right now. as. they often come to my office sit down next to me and start crying before you know it my time. with it. nevertheless contain their emotions flawlessly even if they do business with celebrities or

sports stars. the former goalkeeper for russia's national football team at an international airport outside moscow. enough because you're on the phone i talk to myself as you talk to me i never talk to you. use the religion of the phone company to produce call records ok do it on. the goalkeeper owes about twenty six thousand dollars in alimony payments his former wife went to court and cannot leave russia without paying the debt. because the visibility into the city if you don't pay the debts hoofs easy a ticket if you return it to the airline and the money goes into your wife's account we imposed what else we can impound of your property you are still not free to leave russia so if you go back to moscow in the case of russia's family goalkeeper bailiffs have used

a method of so-called reputation influence such methods are usually used in collection agencies. this is a relatively new business in russia many people still think debt collectors are bandits who extort money through violence. but let me stress this is a myth we often use myths in our people are afraid of us that's good that doesn't mean we are doing something illegal they're afraid of us means they will take care of their problem more quickly the problem a debt collection agency today needs a nice office charming employees and an understanding of the debtor psychology these people get up to fifty percent of the collected amount for their services. here's how debt collectors often work at first the woman with a gentle voice calls the debtor and tries to persuade him to pay off the debt the agency's director says single mothers from twenty five to forty years of age are ideal for the job.

this is the data collection agency calling yes that's me how you paid your debt. no not yet i don't have the money right now. i understand but you know last month he died it was only two thousand and twenty roubles this month it's all way to four thousand six hundred fourteen. i will pay it before the end of this month to be sure. we tell the person what will happen to him unless he starts paying first of all we tell him we will send a letter to your boss so he knows your dishonest person then we'll send this information to your relatives and neighbors after that we'll get court bailiff and we'll come together with a court bailiffs to impound your property when dealing with women we often tell them do you really one bay leaves to come to your house and walk on your fine

carpets and their dirty boots do you really want this. debt collectors methods are generally effective up to thirty five percent of debtors return the money a very good rate most people do their best to pay off the debt in order to save their reputation. almost fifty percent of russians use bank loans people often borrow money to buy appliances furniture or new cars. psychologist claim that people are often tricked by easy access to loans and may not truly realize they'll have to return the money sooner or later and this is the first symptom of being addicted to other people's money two years ago psychologists came up with the concept of credit mania. i'd say it doesn't go beyond the limit of what is acceptable but it's still

a deviation it's an obsessive desire to buy things on credit without the realisation that you'll have to repay all these loans. psychologists believe up to one and a half percent of russians suffer from credit mania these are usually junk people with a good income and the prospects of career growth they don't yet have enough money to buy an expensive car or a nice apartment so they try to solve their problems by taking out loans they can no longer live without other people's money. or these are very impressionable people they are proactive and to a high degree of their behavior may be determined by emotions there is no great logic in the actual. with more and more debtors the burden of payment often falls on others.

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hungry for the full story we've got it first hand the biggest issues get a human voice face to face with the news makers on. the economic crisis dealt a serious blow to the credit market in russia. interest rates went up making it more difficult to pay off debts sophistic simak eight that the percentage of overdue loans as jump from three to twelve percent. this is the village of me in the could have done region two thousand kilometers east of moscow there have been several major bankruptcies in this little village over the last few years local businessmen took out a lot of loans to develop their companies and then simply disappeared now bailiffs come to their carry on tours to collect the money from them. hello barely if that if i have an agent here for you. i know who you are thanks come to wait to say

goodbye to you forever. lydia aleksey of the lives in an old wooden house her little garden with a few hens and old t.v. and a washing machine is all she has all of this has long been impounded several years ago libya worked at a local food company the company director. asked lydia to sign her loan application as a guarantor leo agreed and soon the director ran into economic problems. i. could assure you of in europe but it i think she was on to a lot of pressure we have she was afraid to stay here any longer and so she took off and now we have to cover all her debts but this with the love. lydia like seven now has to pay off two hundred fifty thousand roubles for her former boss that's forty five times more than her monthly pension the dia will have to pay for another person's debt for the next thirty eight years. i'm left with

only room choice to hang myself. but. when i sound comes when i want to be able to feed him properly. fifteen people were guarantors on much of his loans to attend the beak of also worked at the company to tennis as she could not refuse to sign the guarantee. she was our boss you know so we were under pressure in these times nobody wants to lose their jobs. today to china pays half of what she earns to cover what her former director owes her property has also been impounded known to john is able to talk about her problems without getting angry the main lesson she's learned is that she won't ever be a guarantor again even if it's her closest friend who asks. an expensive now it's more like quite bad i have to pay this money anyway either i pay it to voluntarily

or they will deduct it from my salary. bill is in charge of the case would be happy to find that throws of the company's former director and collect the debt from her rather than torment her. the only problem is both the debtor and her property are gone. when you number you have done it and doesn't exist please try again only. locating a fugitive debtor is one of the most challenging tasks for bailiffs according to law they cannot impound and so property unless they have proved that it belongs to the debtor this is a loophole for many evading their debts they simply register their apartments and cars as belonging to their relatives and get a low income job or move elsewhere. these people have come to the bail. looking for justice for three years now furniture company owner said his owed almost one hundred fifty people money the businessman collected almost three million rubles in down payments it is customers never got their furniture. you're not doing your job

. you're not executing course we don't care how you find them you are not doing the job. in the meantime the bailiffs have impounded all the property that was registered instead of guessing on of name but it's made up for only three percent of the debt the businessman rebreather the rest of his property and his wife and sons names and has been in hiding for a few months now. we've done everything the loan executing course permits the property and froze the debtors bank accounts. all these measures and. the bailiff is going to make another attempt to locate the fugitive this time together with our camera crew the bailiff goes to the debtors wife she continues to take orders for furniture she doesn't ferd different company . i need to talk to.

people i'm not going to talk to anybody. just talk for a second you know you cause. as a rule bailiffs go out to execute court orders and usually it's two women today they've come to a local trade company. and the safety let's go out to myself company bosses are clearly not happy to see the bailiffs they're dragging their feet they're not willing to open the cash register and part ways with their money. show me where the cache is what cash for september there was no cash in september no revenues acceptable thinks through both the head of the company gets almost hysterical when he sees the bailiffs he's afraid of attacking government officials

so he turns his rage against the t.v. camera instead we get this camera out of here i said get out of here. turn off your camera get out of here. what are you doing here i said get out. get out. in case of emergency get to physical with the bailiffs the rapid reaction squad is on the ready. tons handcuffs tear gas pistols and submachine guns the rapid reaction force has the same authority as a swat team and is armed according. this must be clearly visible of course they are negative towards us. because people need to vent their anger in their property is being seized. these members of the bill of service have regular shooting practice.

each member of the rapid reaction squad is an athlete most often experts there's even a special training program designed specifically for. helping him learn this technique. let's start again that out i go. before he joined the rapid reaction squad he's a football player the captain of the service football team the team plays in beach an indoor football tournaments yes dozens of awards for a ticket she meant. when i came back from the army

when i was. somebody invited me. and first didn't like his new job there was too much negative press about. the situation has changed. eventually people realized we're not. we're acting on a court order. doing this on our own initiative. but even in a quiet town like pens there are places where court bailiffs don't go without special support. the entire rapid reaction squad is on its way to a roma village they're carrying their guns to protect themselves against a potentially emotional reaction. as a sound bite here on a cord bad wait why don't you pay your debts we have no money much of it would then else back to your property no. problem i don't have anything this is all i have

what are you going to take my pilates. used to paying utility bills or the land tax no hurry to pay off the debts they've run up over many months they claim they can't get a job or what can you do you come they bend fortune telling you bend everything your girls try to get a job at a factory but they were told you're illiterate you're gypsies and when you don't have anything for you yet they want us to pay for electricity for gas for water no discounts no favors. the main objective of the rapid reaction squad is to protect the executive bailiff in the past there were several attacks on court bailiffs in the roma village this time everything was quiet but there have been situations in which people attacked squad members with firearms pitchforks or axis. what are you doing ok lady give me the x. back. almost. constant psychological pressure is the most difficult part of their

job perhaps that's the reason only psychologically stable people can work here. as one of the most experienced workers at the service she's been working here for fifteen years. i'm ready to go. the going out to execute a court order she's accompanied by her son. he's been working as a court bailiff for two years now the sales job is to protect executive bailiffs and today is the first time he'll protect his own mother. which of these chord you must present tomorrow at seven am please sign these forms. started a dynasty of bailiffs. in addition to her and her elder son out of two of works in the system as well. bailiff to do sion reporting nothing out of order business as usual. during the day or two it is posted as

a guard at the regional court building in the evening he usually accompanies executive bailiffs he comes home late his wife at the door now the whole family's here mother brother and little. how i did he says here. same as birth also worked as a bailiff she met her future husband at work he was assigned to protect her now takes care of all the time not only at work has. drawn his brave he's not afraid of anything he always protects me he wanted anybody mistreat me. to dish and dynasty includes four bailiffs the four runner in the hopes the tradition will continue and her little granddaughter saying it will follow in her footsteps. mind. my colleagues send me a text message congratulations and not the cord born. since the

start of the global financial crisis the number of delinquent debtors in russia has increased significantly. they would be happy to run out of work some day but this isn't going to happen because debt is part of our financial system and for many people human nature we like to borrow money and not everyone is always willing or able to pay it back. wealthy british style aside some time to cut. the. markets why not come to. find out what's really happening to the global economy with mike's cause

or for a no holds barred look at the global financial headlines tune into cars a report on our. minds. would be soon which brightened if you knew about sound from finest impressions. from stunts on t.v. don't come. cheap.