FOR DEBTOR

YOU HAVE RECEIVED A LETTER FROM US!? WHAT HAPPENS NEXT?

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Letters to debtors

  ✓    The fastest solution is to use the contact details specified in the letter or fill out the contact form on our website. Cooperating with our collection official, you can always find a suitable solution for paying your debt.

WHAT ARE THE RISKS OF NOT PAYING MY DEBT?

  ✓    OK Incure cooperates with Creditinfo Eesti AS. A payment default entered in the register of credit problems damages the reputation of a debtor, reduces credit opportunities and forces the debtor to seek quick payment solutions.

Please note! The information is retained in the credit register for 7 years after settlement of default in case of companies and for 3 years in case of individuals. As an exception, any payment defaults of individuals, which have been entered by credit institutions, will be visible to banks for 5 years after settlement of default. A payment default is settled upon full payment of the debt. Payment default records cannot be deleted on the basis of an agreement with the debtor.

  ✓    OK Incure cooperates with bailiffs. A bailiff can issue a seizure instrument, entitling your bank to seize your current account. To prevent this, please contact the bailiff whenever you receive a respective notice.

  ✓    OK Incure cooperates with Estonian courts. Initiation of a judicial proceeding can result in undesirable consequences for you, for instance: pursuant to §378 (1) of the Code of Civil Procedure, it is possible to establish a judicial mortgage on your immovable property, to seize your movable property or to prohibit you from performing certain acts. It would be virtually impossible for you to obtain a bank loan or to buy goods on finance. In severe cases you could be subject to a prohibition from departing your residence or a detention.

  ✓    OK Incure publishes quarterly lists of business debtors, including the names of board members, in the newspaper Äripäev and on the OK Incure Facebook page.

WHAT ARE MY OPTIONS IF I CANNOT PAY THE ENTIRE DEBT AT ONCE?

  ✓    Please use the contact details specified in the letter. Cooperating with a collection official, you can enter into an agreement on a payment schedule.


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