Choosing an organization to buy a loan is not trivial. To avoid unpleasant surprises, call on an expert professional.
Give priority to the declared organisms
When it comes to looking at its finances and reorganizing them, especially with a pool of loans, borrowers do not always know who to call on all the players in the market. The banks specializing in the purchase of credit not necessarily storefront and prefer to use intermediaries banking. These are professionals whose core business is to serve as support in different banking operations.
With the help of an intermediary specializing in credit pooling, the borrower is sure to find an interlocutor who can carry out this project. But like every commercial department, there is a multitude of players on the market. Choosing an intermediary in bank operation (BIO) is therefore not an easy thing. To make your choice with confidence, we must follow some basic rules.
On the one hand, banking intermediation is an activity that is supervised and regulated by an official body: ORIAS. It is a register listing insurance, banking and finance intermediaries registered by the Treasury Department. This gives a certain pledge of the seriousness of the website claiming specialist credit redemption.
Certification, a guarantee of quality
On the other hand, one more of this official recognition, some organizations want to go further and have engaged in a real initiative to improve quality. A few players, including credit provider, have achieved Certification for quality of service. This means that in every process, from buy-back request to financing, processes are put in place to measure and improve quality and therefore customer satisfaction. For borrowers wishing to consolidate credits, institution certification is a rather reassuring argument. Moreover, Afnor, the certifying body, regularly renews its requirements. To obtain the standard again, the company must constantly improve.
Finally, to get an idea about a service, the French have become more and more used to refer to customer reviews on the internet. If the approach is commendable, however, beware of some comments that are misleading in order to achieve the company’s reputation. A society that responds to negative and positive opinions will demonstrate its seriousness by taking into account the different comments.