If you cannot service your loans, don't stay at home and worry alone, contact us straightaway. We are here to help you.
The main thing is to act promptly
It is better to contact us in advance than too late. This way you can avoid expensive delay and collection costs and you will not have an entry in the credit information register. We will help you to put your finances in order. You can take out instalment-free months or reduce the amount of your monthly payment, for example.
What happens, if you make your payment too late
If you don't make your payments in time, the process will go forward as follows:
1. First you will receive a reminder for the unpaid invoice.
2. If you don't pay now, the invoice will be sent for collection.
3. If you don't pay the collection agency's invoice, it will be sent for execution proceedings with interest.
Avoid an entry in the credit information register
If your payment is sent for execution proceedings by a district court’s decision, you will get an entry in the credit information register. Losing your clean credit history causes all kinds of trouble. It will make renting a flat, getting a loan or even opening a phone subscription more difficult for as long as the next 2 to 4 years.
Even if your invoice has been sent to execution, you will avoid the entry in the credit information register if you pay the invoice within 14 days from receiving the summons. We recommend that you contact us in time. It will really pay off. Together we can perhaps find a solution.
Choose a monthly payment which suits your situation
Before you take out a loan, think carefully what kind of a monthly payment you can manage without tightening your belt too much. The monthly payment includes the instalment, the interest and the account management fee. The loan opening fee is only paid once in connection with the drawdown of the loan. However, it is good to know that FlexiCredit is really a flexible loan if something unexpected should happen. You can change the amount of your monthly payment free of charge, or you can decide with the bank to have instalment-free months.