Questions about payment
An overview of frequently asked questions:
- I have been ordered to make payment, what should I do?
The court has ordered you to pay. If you do not pay, the bailiff may come and attach your assets, including your income, bank account, household effects or other property. Even your house may be attached. We therefore recommend that you make payment. If it is not possible to pay everything at once, contact us by telephone at +31 (0)88 730 34 00. We can be contacted on business days from 8 a.m. to 8 p.m. We can look at whether a payment arrangement is possible.
- I cannot pay my arrears all at once, what should I do now?
It is possible to make a payment arrangement in some cases, enabling you to pay in instalments. We will assess whether this is possible in consultation with the creditor. The creditor is the organisation where you still have an outstanding account.
- What should I do if I want to make a payment arrangement?
It is possible to make a payment arrangement in some cases, enabling you to pay in instalments. We will assess whether this is possible in consultation with the creditor (the organisation where you still have an outstanding account). You can propose a payment arrangement by logging into Uwdossier-online. The file and account number is needed for login and can be found in the letter you have received from us. You also need a valid e-mail address. The letter that you have received from us explains in italics how to login via Uwdossier-online.
You can also propose a payment arrangement by e-mail. Send the request to ..., specifying your file number.
- What should I do if I cannot pay this period?
If you have made a payment arrangement and cannot pay, we can consider a one-time postponement of your payment. We will need a valid reason for this purpose, which you can indicate in Uwdossier-online.
If you still cannot pay after a one-time postponement, the payment arrangement that you have agreed with us will cease to apply. The process will then continue further, which may include the creditor approaching the court or even proceeding with attachment. As you would obviously wish to avoid this, contact debt counselling if you really cannot pay.
- What happens if I do not pay?
We may initiate legal action on behalf of the creditor.
We will then ask the court to order you to make payment of the claim and all additional costs. If the court rules that you must pay and you fail to do so, this may result in the attachment of your income, bank account, household effects or other property. Even your car or house may be attached. You will also have to pay the additional costs of attachment and enforcement of the judgment.
Some creditors do not have to approach court. This applies to DUO (Dienst Uitvoering Onderwijs | Education Executive Agency and CJIB (Centraal Justitieel Incassobureau | Central Judicial Collection Agency). They can proceed to attachment directly with an order for payment.
- What should I do if I really cannot pay?
There are a number of debt counselling agencies in the Netherlands that can assist you with your problems.
We will need proof of your registration with a debt counselling agency or an application for admission under the Debt Management (Natural Persons) Act (WSNP). Send this proof by fax or e-mail (...) to us. Always state your file number.
As registration at a debt counselling agency does not mean that you no longer have to pay, always try to make a payment arrangement with us. This namely shows that you want to pay and are searching for a solution.
- What should I do if I want to know the current balance of my debts?
You can look in Uwdossier-online for this purpose, which contains all information about your payment(s). For login, you need the file and account number that is specified in the letter. You also need a valid e-mail address. The letter that you have received from us explains in italics how to login via Uwdossier-online.
- Why do I still receive a letter if I have already paid?
Your payment and our letter may cross each other sometimes. This is obviously very annoying. In order to ensure that payment has been made successfully, please provide proof of payment. You can either upload this in Uwdossier-online or send it by e-mail to .... Always state your file number.
The bank may have also reversed your payment because of insufficient funds in your account. The bank then returns the amount to your account, which means that payment has not been successful. You can see whether payment has been returned on your bank statement.
- I have overpaid, how do I get the overpaid amount back?
If you have overpaid, you will receive a letter from us as quickly as possible, specifying the amount of your refund. The overpaid amount will be credited to the bank account number that we have for you on record within two weeks. It is therefore important to check whether the bank account number specified in the letter is correct! Important: if the bank account number is incorrect, or if we do not have it, please respond within two weeks. E-mail the correct bank account number to ....