新冠肺炎大流行对追债机构的挑战时代

2020-10-14 09:20

Challenging times for debt recovery agents amid Covid-19 pandemic Who世界播

新冠肺炎大流行对追债机构的挑战时代Who世界播


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SINGAPORE - With eight years' experience under her belt, Mrs Lyn Ling thought she had seen everything in the debt collection business. Who世界播

新加坡--凭着八年的工作经验,林玲女士认为自己对收债业务了如指掌。Who世界播


But that was until Sept 17, when she and a colleague found themselves in the harrowing situation of desperately holding on to a female debtor who was trying to jump from a 13th-storey ledge. Who世界播

但这一直持续到9月17日,当时她和一名同事发现自己陷入了绝望的境地,拼命抓住一名试图从13层高的窗台上跳下去的女债务人。Who世界播


"We went to her flat to serve her notice and talk to her as she had stopped paying her renovation loan," said Mrs Ling, 35, founder of Fast Debt Recovery Specialist. Who世界播

35岁的凌女士是Fast Debt Recovery Specific的创始人,她说:“我们去她的公寓向她发出通知,并与她交谈,因为她已经停止支付装修贷款。”Who世界播


"Suddenly, she shouted at us, unlocked the gate and rushed towards the ledge outside her unit." Who世界播

“突然,她冲我们大喊大叫,打开大门,冲向公寓外的窗台。”Who世界播


Before dashing out of the flat, the woman had said in Mandarin: "I can let you see my two bank accounts, the total is zero. I jump down now for you to see." Who世界播

在冲出公寓之前,这名女子用普通话说:“我可以让你看看我的两个银行账户,总共是零。我现在跳下来让你看看。”Who世界播


Mrs Ling's colleague Gary Tan, 39, said: "She may have been small in size but she was strong and struggling violently." Who世界播

令夫人的同事,39岁的Gary Tan说:“她可能身材矮小,但她很强壮,挣扎得很厉害。”Who世界播


As the screaming woman raised one leg onto the railing, Mr Tan pulled her away by the shoulders, while Mrs Ling gripped her legs. Who世界播

当尖叫的女子把一条腿抬到栏杆上时,谭先生拉着她的肩膀,而凌太太抓住了她的腿。Who世界播


For the next few minutes, the pair held on tightly to her. Who世界播

在接下来的几分钟里,两人紧紧地抱着她。Who世界播


The woman eventually regained her composure and Mrs Ling called the police for help. Who世界播

这名女子最终恢复了镇静,凌女士报了警。Who世界播


Mrs Ling said the woman had lost her job and her husband was bankrupt. But the woman's problems were not caused solely by the Covid-19 pandemic. Who世界播

凌女士说,这名女子已经失去了工作,她的丈夫也破产了。但这名妇女的问题并不完全是新冠肺炎疫情造成的。Who世界播


Two of three debt recovery companies The Straits Times spoke to said their business has risen since April, when the two-month circuit breaker to stem the spread of Covid-19 was imposed. Who世界播

海峡时报采访的三家追债公司中有两家表示,自4月份实施为期两个月的熔断措施以遏制新冠肺炎的蔓延以来,他们的业务有所上升。Who世界播


Debt recovery agents are hired when debtors go missing or ignore telephone calls by financial institutions. These agents are legally allowed to pursue debtors on behalf of creditors, in contrast with loan sharks. Who世界播

当债务人失踪或无视金融机构的电话时,就会聘请追债代理。这些代理人在法律上被允许代表债权人追查债务人,这与高利贷形成了鲜明对比。Who世界播


Ms Yvonne Ho, general manager of Singapore Debt Collection Service (SDCS), said the number of cases that the company handles has increased by 30 per cent a month since April. These cases include debtors defaulting on their obligations, such as personal and car loans, and renegotiating to pay smaller instalments. Who世界播

新加坡收债服务公司(SDCS)总经理Yvonne Ho表示,自4月以来,该公司每月处理的案件数量增加了30%。这些案例包括债务人违约,如个人和汽车贷款,以及重新谈判支付较小的分期付款。Who世界播


Likewise, there has been a rise in the number of debtors who refused or were unable to repay loans ranging from $2,000 to $300,000. Who世界播

同样,拒绝偿还或无力偿还2,000元至30万元不等的贷款的债务人数目亦有所增加。Who世界播


"We have seen a significant number of people who were retrenched or saw a drop in their incomes due to the Covid-19 outbreak," said Ms Ho, 29. "Some business owners have also been unable to pay rent due to the economic downturn." Who世界播

29岁的何女士表示:“我们已经看到,由于新冠肺炎疫情的爆发,有相当数量的人被裁员或收入下降。”“一些企业主也因经济不景气而无力支付房租。”Who世界播


Before the Covid-19 outbreak, SDCS handled between 50 and 100 cases a month on behalf of car leasing, construction and renovation companies. Recently, the figure has exceeded the monthly average. Who世界播

在新冠肺炎事件爆发之前,国家发改委每月代表汽车租赁、建筑和翻新公司处理50至百起案件。最近,这一数字已经超过了月平均水平。Who世界播


But JMS Rogers, another debt collection firm, said the number of cases it handles has dropped from about 70 a month to fewer than 10. Who世界播

但另一家收债公司JMS Rogers表示,其处理的案件数量已从每月约70起降至不到10起。Who世界播


Mr Roger Rajan, 49, owner of the firm, attributed the drop to bankrupt companies declining to pursue debtors as they do not wish to incur costs. Who世界播

该公司的所有者、49岁的罗杰·拉詹(Roger Rajan)将下降的原因归因于破产公司不愿追究债务人的责任,因为他们不希望招致成本。Who世界播


Mrs Ling says that while she has a job to do, she strives to help both the client and the debtor. Who世界播

凌女士说,虽然她有工作要做,但她努力帮助客户和债务人。Who世界播


A win-win situation in these challenging times is to recover some payment for the client from the debtor. Who世界播

在这个充满挑战的时代,一个双赢的局面是为客户向债务人追回一些款项。Who世界播


Mrs Ling said she is able to help a debtor only if he cooperates. Who世界播

林太说,她只有在债务人合作的情况下才能帮助他。Who世界播


"We are concerned about the debtor's financial status and want to know how we can help," she said. Who世界播

她说:“我们很担心债务人的财务状况,想知道我们能做些什么。”Who世界播


"There are options for debtors to apply for government grants and subsidies, and we can advise them on the documents they need." Who世界播

“债务人可以选择申请政府拨款和补贴,我们可以就他们需要的文件向他们提供建议.”Who世界播


In the case of the female debtor, the woman has been given a deferment up to next January, when she is expected to begin repaying her loan. Who世界播

在女性债务人的情况下,该妇女已被推迟到明年1月,届时她预计将开始偿还贷款。Who世界播

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