Управляющие компании снова просят разрешить продавать долги по ЖКХ

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Жданухин объяснил, почему коллекторам вряд ли разрешат выкупать миллионные долги россиян по ЖКХ Поделиться

С утра опять появилась новость о том, что управляющие компании просят власти разрешить продавать долги граждан по ЖКХ третьим лицам, прежде всего коллекторам. Новость, как говорится, не нова, об этом вели речь ещё в 2019 году. Именно тогда УК впервые направили официальные обращение в Госдуму и в Минстрой с просьбой разрешить продажу долгов третьим лицам. Но тогда это сделать так и не позволили.

Управляющие компании снова просят разрешить продавать долги по ЖКХ

тестовый баннер под заглавное изображение

Суммы задолженностей граждан УК за последние пять лет перевалили отметку в 1,5 триллиона рублей. По данным первого квартала 2023 года, россиянине должны управляющим компаниям порядка 900 миллиардов рублей, причем половина этой суммы приходится именно на ЖКУ.

Управляющие компании просят власти разрешить продавать долги граждан за ЖКУ третьим лицам, прежде всего коллекторам. Это необходимо, чтобы снизить кассовые разрывы, которые приводят к уменьшению средств на качественное обслуживание домов. Однако эксперты указывают, что предложенная мера может нести риски для собственников жилья, среди которых — передача задолженности недобросовестным коллекторам.

«Запрет на выкуп долгов в сфере ЖКХ и ресурсоснабжения был введен с 2019 года и действует до сих пор, — объясняет Дмитрий Жданухин, генеральный директор Центра развития коллекторства. – Политические партии периодически предлагают запретить коллекторов вообще, но это больше напоминает громкие лозунги, без реальных последствий».

По мнению Жданухина, если запретить коллекторов, то банковская ставка тут же взлетит в 1,5 раза. Потому что банки не могут работать так же эффективно, как коллекторы. Это ещё и способы определенного разделения риска. Если коллектор купит плохой пакет и разорится, то его никому не будет жалко.

«Коллекторский рынок поделился по сути дела на две части. Есть профессиональные коллекторские организации, которые занимаются в основном в несудебной работе с долгами. А есть организации, которые специализируются на долгах ЖКХ, они не стали получать статус ПКО. Почему? Чтобы не попадать под дополнительные проверки. Ведь что такое статус ПКО? Статус профессиональной коллекторской организации. Это отдельный статус, прописанный в Законе о защите прав и законных интересов граждан при осуществлении деятельности по возврату просроченной задолженности. И это есть в реестре федеральной службы судебных приставов, где все ПКО указаны. А часть организации решили идти по другому пути. Переквалифицироваться только на юридическую работу. Соответственно, такие организации статуса ПКО получать не стали, но продолжили работать по долгам, в том числе и в сфере ЖКХ, выкупая в том числе и коммунальные долги, пока выкуп таких долгов не перекрыли», — объясняет Жданухин.

ЧИТАТЬ ТАКЖЕ:  Должникам решили гарантировать минимальный доход

Соответственно, время от времени поднимается вопрос о том, что в системе ЖКХ без коллектора очень плохо. Потому что если у банков такой вариант снижения рисков снятия нагрузки есть, то у ЖКХ его нет. Но тут, правда, отличие еще состоит в том, что у сферы ЖКХ нет такого механизма резервирования средств, как у банка.

"Отмена запрета продажи долгов ЖКХ очень выгодна ресурсоснабжающим организациям (энергетика, газ), которые испытывают трудности со сбором долгов и списанием задолженностей", — говорит Жданухин. – Но запрет на выкуп коммунальных долгов поддерживается государством — оно у нас социально ориентированное и вряд ли пойдет на это, чтобы не вызвать у граждан отрицательную резкую реакцию, несмотря на проблемы ресурсников. Если запрет отменят, это создаст возможности для всех участников рынка, но пока отмена маловероятна", — подчеркнул наш собеседник.

23 КОММЕНТАРИИ

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