Debt Collection: The Emotional Work of Market Attachment
Mittwoch, 13.12.2017, 18:15 Uhr
|Redner, Rednerin:||Dr. Joe Deville, Department for Organisation Work and Technology, Lancaster University|
|Uhrzeit:||18:15 - 19:45 Uhr|
Consumer credit borrowing – using credit cards, store cards and personal loans – is an important and routine part of many people's lives. But what happens when these everyday forms of borrowing go ‘bad’, when people start to default on their loans and when they cannot, or will not, repay? It is this poorly understood, controversial, but central part of the consumer credit industry that this talk explores. It draws on research from the interior of the UK debt collections industry, as well as debtors’ own accounts and historical research into technologies of lending and collection, to examine precisely how this ever more sophisticated, globally connected market functions. It focuses on the highly intimate techniques used to try and recoup defaulting debts from borrowers. The talk moves from the intrusion of collections technologies into debtors' homes and everyday lives, to the tools and techniques developed by collections organisation seeking to recoup their funds. In the process Deville shows that in order to understand how individuals are 'attached' to credit markets, we need to better understand the role played by the strategic management of debtors' emotional states.
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