![]() The recovery costs charged for the first payment demand can be Recovery costs related to a payment demand In addition, at least 21 days prior to that eventuality, the debtor must be sent a request for repayment in which that threat is mentioned. After a delay of 60 days, however, an unpaid consumer credit can result in a payment default entry in your credit history if this possibility is mentioned in your credit agreement. Recovery costs related to a payment demand may only be charged if at least 14 days have passed from the date on which the previous payment reminder or demand was sent.Ī payment demand does not yet mean that you will have a payment default entry in your credit history. The agency will continue the collection process by sending you a payment demand.Ī payment demand may not be sent until the debt is overdue, you have been reminded of the debt, and at least 14 days have passed since a payment reminder was sent to you. If you have not paid the overdue debt after receiving the creditor’s payment reminder(s), the creditor may transfer the debt collection to a professional body, such as a collection agency. * Note! The creditor may start legal collection without sending any payment reminders at all. The collection must be organised in such a way that payments made after the due date are also taken into account without delay. ![]() If you pay a debt after the due date but before you have received a debt collection letter, the recovery costs must be paid if the creditor has, before being informed of payment. At most EUR 5 can be charged for each written payment reminder.Ī payment reminder does not yet mean that you will have a payment default entry in your credit history. You may only be charged for the costs of sending a second payment reminder if at least 14 days have passed since the first reminder was sent. ![]() The first reminder for which you will be charged may be sent to you at the earliest 14 days after the due date. The creditor usually sends out one or two payment reminders. *Ī payment reminder is usually a reminder invoice or other notice from the creditor that the overdue debt has still not been paid. If you do not pay the invoice by the due date, you will receive one or two payment reminders.
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