We’re here to help you!
Do you require assistance, or are you unable to find the answer to your question below? Please feel free to contact us – we’ll be delighted to help you.
Questions and answers
It is important that you pay your debt prior to the due date to avoid the risk of additional fees or your case being forwarded to the Swedish Enforcement Authority. An additional cost of SEK 680 will be charged if your debt collection demand is forwarded to the Swedish Enforcement Authority. If you are unable to pay, please contact us so that we can help you.
You can easily make payment by using the payment details set out at the bottom of the debt collection demand. Be careful to enter the correct amount and OCR number.
You can also pay via Swish. Payment via Swish should be made to 123 176 6914. Please state the OCR number (which you will find at the bottom of your debt collection demand) as the payment reference. If you don’t have your debt collection demand at hand, you can log in to mina sidor to see details of your debt.
If you wish to divide up your payment into instalments, one option is to log in to mina sidor and enter the amount that you can pay per month. We will then contact you with a decision as soon as we have received an answer from your supplier. Alternatively, please contact us and we will be delighted to help you.
If you are approved for an instalment plan, you will be charged an additional set-up fee of SEK 170 as well as a payment advice fee of SEK 60 per payment advice, in addition to accrued penalty interest.
If you can’t pay at the moment, it is very important that you contact us before the due date so that we can look into possible ways to help you avoid additional fees and the risk of an application being submitted to the Swedish Enforcement Authority.
If you have made payment, you can easily log in to mina sidor to see if we have received your payment. Please remember that the payment must be received by us no later than the due date. It normally takes 1-3 working days for a payment to reach us. This means that you must pay your debt a couple of days prior to the due date to ensure that the payment will reach us on time
If you have made payment directly to your supplier, you can contact us or send proof of payment via email to firstname.lastname@example.org, and we will check with your supplier to ensure that they have received the payment. Please remember to state your case number in the subject line of your email.
If you have made payment to your supplier after the debt collection demand was sent from us, you are still liable to pay the debt collection fee and accrued interest. It is important that you pay this remaining amount, to avoid additional fees or an application to the Swedish Enforcement Authority.
More info is available at imy.se/inkasso
To manage your case, you need to log in to mina sidor by using your Mobile BankID. As a legal person you log in with the login details provided in the debt collection demand.
If you don’t have Mobile BankID or login details, please contact us so that we can help you.
By logging in to mina sidor you can see the details and status of your case. If you have more than one active case registered with us, details of all your cases will be shown when you log in. While you are logged in, you can easily contact our customer service department directly in your case.
On the back of your demand letter you will find a specification with details of what the demand relates to. You can also log in to mina sidor to see and manage your case.
If the details stated in your debt collection demand are not correct, it is important that you contact us immediately and explain what is incorrect. You can do this by logging in to mina sidor, or else you are welcome to contact our customer service department.
Please contact us so that we can look into possible ways of reaching a solution that is viable and acceptable to you and your supplier.
A reminder notice is usually sent a few days after an invoice has become due for payment, although suppliers are not legally required to send a reminder notice. A debt collection demand is usually sent after a reminder notice has been sent and the debt remains unpaid, although as previously mentioned, suppliers are not actually required to send a reminder notice, which means that a debt collection demand may be sent directly after an invoice has fallen due for payment. A debt collection demand is a warning that your case may be subject to further legal action if the debt remains unpaid.
The debt collection fee is a statutory fee of SEK 180. This fee must be paid if your payment has not been received prior to the date on which the debt collection demand is sent.
It is only when your debt collection case has been forwarded to the Swedish Enforcement Authority for further action that you might receive a record of non-payment. You can avoid a record of non-payment by making payment prior to the due date. If you are unable to pay, please contact us so that we can try to help you.
A record of non-payment is not issued by the Swedish Enforcement Authority but rather by the credit reference agencies.
If you have received a letter from the Swedish Enforcement Authority, it means that you have one or more debt collection cases that have fallen due for payment. This means that additional costs and fees will have been added to your debt. If you do not now pay the entire debt, the Swedish Enforcement Authority may take steps to recover the amount of the debt from you, for example through seizure of property or direct deduction from your salary (this is known as attachment). Alternatively, your case may be subject to further legal action. Please contact us so that we can try to help you.
A reminder notice is usually sent by the creditor a few days after the original due date has elapsed. Cost: Reminder notice fee SEK 60 plus interest (reference rate + 8%), unless something to the contrary has been agreed.
If the debt specified in the reminder notice is not paid, the next step is a debt collection demand, which is usually sent via a third party such as Preventia Finans. Cost: Debt collection fee SEK 180.
If the debt specified in the debt collection demand is not paid, the case is usually forwarded to the Swedish Enforcement Authority for determination of the debt and the obligation to pay. Cost: Application fee SEK 300 plus agency fee SEK 380
Do you have a complaint?
Your feedback is important to us, so please contact us if you have comments or complaints about our handling of your case. In our role we don’t just aim to achieve the best solution for our clients; we also aim to achieve the best solution for you.