I refuse to pay, because...

You disagree with the content of the letter you received and you wish to dispute your debt? Then it is important that this is done as smoothly, clearly and quickly as possible. That is why we will explain to you here how best to dispute your debt and which documents we absolutely need to be able to assess your dispute.

I HAVE ALREADY PAID THIS

Are you sure that you have already paid the amounts claimed? Please send us a letter by post, fax or e-mail in which you clearly mention your case number, explain to us why you dispute the debt and add to this a proof of payment for all amounts claimed. A proof of payment is, for example, a deposit receipt from your bank or the judicial officer’s contact desk or a copy of a bank statement. A transfer form in itself is not a proof of payment. We will discuss this to your creditor and keep you informed.

AN ERROR OCCURRED IN THE BILLING

Is there a mistake in the order or the invoice? Please send us a letter by post, fax or e-mail in which you clearly mention your case number, explaining to us what you believe went wrong and add to this all documents that support this. This can be an agreement stating that you owe nothing, proof of return of the ordered goods, a certificate of the interruption of service ... We will discuss this with your creditor and keep you informed.

I HAVE ALREADY DISPUTED THIS WITH YOU

It may be that our letter has crossed yours. Did you still receive a letter from us, please contact us to be sure that we have received your dispute and that there was a mistake. As soon as we have received an answer regarding your dispute, we will contact you and we will send you a response, possibly together with an amended statement or confirmation that your case has been closed.

I HAVE NOTHING TO DO WITH THIS CASE

Do you think that someone may have abused your identity? Then you must first file a complaint with the local police and file a report of misuse of your name. Please send us a letter by post, fax or e-mail in which you clearly mention your case number, explain to us why you dispute the debt and add to this a copy of the police report. Then we can investigate this further and notify you.

I HAVE BEEN ADMITTED TO A COLLECTIVE DEBT SETTLEMENT

Collective debt settlements are legal proceedings open to private individuals with structural debt issues which are requested from the Labour Court (“Tribunal du Travail”) by means of a petition. The goal is that you can pay off your debts as much as possible and you can still live a decent life while paying back in instalments. After a collective debt settlement, you can resume your life, debt-free. If you are admitted to a collective debt settlement by the court, a debt mediator will be appointed who will receive your income and propose a repayment plan for the debts incurred. Creditors can no longer enforce amicable or legal claims pertaining to these debts.

However, all claims made subsequent to the date of decision of the admissibility of a collective debt settlement are not part of this settlement. These may indeed be subject to amicable and legal claims.

Caution! A collective debt settlement has very far-reaching consequences on your life and your family. In addition, even when you are in a collective debt settlement, a court can still order that your home, your car or other valuable goods be sold.