Agent: Hello Mr. Customer! I am Kevin (Agent Name) from XXXXXXX.
This call is regarding your
online loan application. I am pleased to inform you that your loan application is approved and you
can avail loan upto $5000.
Just to confirm, are you still looking for this loan?
Customer: Yes, i am interested.
Agent: Great! I will be glad to help you with the loan completion process and make sure we get the
loan amount credited to your account today.
Could you please help me with the loan amount you’re looking for?
Customer: I need $2000.
Agent: Thank you. Let me share that as per your application you have been approved for personal
secure loan of upto $5000.
(Try to convince customer for $ 5000/ if customer is still adamant then educate customer that the
minimum amount we offer is $3000. We need to inform customer that his application is approved
for “Personal secure loan” under which we offer loan between $3000- $40000. Since your loan
application is approved for $5000, you can avail loan for any amount between $3000- $5000)
Customer: Okay. Let’s go for $5000.
Agent: Awesome! Let’s discuss the loan instalment, and the date you would like your instalment to
be debited. Before we proceed; just to confirm, do you have pen and paper handy?
Customer: Yes, I am ready.
Agent: Your loan amount is $5000. Total amount you need to pay back with interest is $5491 if you
proceed with 17 monthly instalment of $323 which will start from next month.
Would you like to proceed with the above payment arrangement or we can lower the instalment
amount.
(If customer is not ready offer payment arrangement of 34month with $ 169)
Customer: Let’s go with $323 instalment.
Agent: Please help me with the date you would like your monthly instalment to be debited. The
instalment amount will be debited from next month.
Customer: 12th of every month.
Agent: Would you like me to schedule a reminder call for your monthly instalment?
Customer: Yes, that would be good.
Agent: I have signed you up for monthly instalment of $323 starting from 02/12/2016 to
06/12/2017. You will receive instalment reminder call 2 days before instalment debit date, so you
can maintain sufficient balance.
Customer: Okay.
Agent: Please make sure you don’t skip any instalment if under any circumstances you are unable to
make payment you can call us before instalment debit date and schedule payment arrangement
accordingly. We xxxxx (company name) are associated with Better Business Bureau, and are working
under guidelines of FDCPA Law.
Let me share that if in case an instalment is return/skip applicable charges will be levied. In case of
multiple payments failure xxxx (company name) reserves rights to take legal action.
Customer: Okay. I will make payment arrangement on the given date.
Agent: I would like to inform you that xxxx (company name) is associated with Moneygram, Wall
Mart, Western Union, Bank of America and CITI bank. Moneygram is one of the biggest investor in
our company, and our payment channel partner. We need to assure our investor that loan
procedure is followed correctly and instalment is paid on timely manner to avoid any legal
proceeding.
Customer: Okay.
Agent: Would you mind me asking couple of question to create your loan account?
Customer: Okay.
Agent:
Questions:
1. Please help me with your monthly income after taxes.
2. Do you have any credit card bill pending on your name?
3. Have you ever file any bankruptcy?
4. Did any agent from xxxxx (our company name) contact you for this loan?
5. Do you have any pending loan on your name?
6. How would you like to make your monthly instalment e.g. direct deposit, Paper cheque or
auto debit?
7. Since how long you have an account with your bank?
Agent: Thank you for sharing the details. Please help me with your bank account detail where in you
would want your loan amount to be credited.
Questions:
1. Bank name.
2. Account no.
3. Routing no.
I will forward the information provided to our Verification and Credit bureau department, so they
can verify the details and credit the loan amount. Once the loan amount is processed and we receive
confirmation email we will get back to you.
Thank you for your time. Is there anything else I can help you with?