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  #101  
Old 25.06.2009, 23:32
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Re: The complete guide to bills and what happens if you don't pay them.

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Are creditors allowed to hassle you on the phone and turn up at your house? I had a call today, I don't dispute the debt, tried to negotiate a payment plan to this guy and he has just gone crazy, calling me a liar, telling me he will make sure I never get credit in Switzerland and that he is passing everything to his lawyers. He then said that he knew where I lived and would come here and get the money off me in person. He doesnt seem to hear the words from me that, if I had this money I would pay him straight away, I hadnt anticipated that the funds to pay would not be available.

Anyway, he has threatened to phone me all the time until I pay so that he is at the top of the list and to be honest, the fact that I am working 5 part time jobs at the moment (there are no full time available in the village or surrounding area) plus some serious health issues is not helping. I feel I am trying to be reasonable and he just screams down the phone at me. I did tell him that if he felt that he needed to get his lawyers involved then do so because my situation to pay has not changed and that screaming at me doesnt get the situation anywhere. I had to put the phone down on him in the end because I was starting to go into an anxiety attack and am still shaking 5 hours later. I cant screen this guy's call because it shows as private number.
Sorry - know I'm waffling on but I am terrified that he's going to turn up on the doorstep and I keep the door unlocked like everyone else in this town, don't own any goods in my name (I came to Switzerland with nothing except my ski gear) so can he barge his way in. I'm worried too that my boyfriend will be at home because for sure he will throw this guy down the stairs. And I mean throw.
Put your offer in writing and send it registered post. Obviously keep a copy yourself stating the key facts of above, payment plan proposed and the fact you are working five part time jobs.
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  #102  
Old 25.06.2009, 23:33
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Re: The complete guide to bills and what happens if you don't pay them.

If you owed me money then I would hassle you until you paid.

From your description, it's clear that "he" is not Cablecom, Billag, your Gemeinde etc. but a private individual or small business-person who is out of pocket due to your your default. You need to pay up for the goods or services that you have purchased. If you can't pay right now then you need to tolerate his frustration - it sounds like he's not threatening you, just trying to claim what is rightfully his.

Good luck in sorting this out. With 5 part time jobs you are clearly doing your best to get on top of things.
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  #103  
Old 27.06.2009, 17:02
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Re: The complete guide to bills and what happens if you don't pay them.

Thanks for all your advice. Yes it is a private individual and I agree with his frustration, but not the yelling down the phone and personal threats etc etc. But I will send a payment plan as he has just sent a last reminder registered before the Betreibung. Am also seeing Schuldensanierung next week.
Just found it all a bit shocking as Ive not been in this position before.
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  #104  
Old 27.06.2009, 17:54
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Re: The complete guide to bills and what happens if you don't pay them.

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Thanks for all your advice. Yes it is a private individual and I agree with his frustration, but not the yelling down the phone and personal threats etc etc. But I will send a payment plan as he has just sent a last reminder registered before the Betreibung. Am also seeing Schuldensanierung next week.

Just found it all a bit shocking as Ive not been in this position before.
You might also want to send some sort of payment, to show him you're serious about paying your debt.
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  #105  
Old 13.07.2009, 11:59
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Re: The complete guide to bills and what happens if you don't pay them.

Thank you for putting this up Richard.
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  #106  
Old 07.08.2009, 16:59
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Getting an apartment with i dirty Betreibungsauszug

Hi,

I had a couple of bills paid late this year (one of which was income tax). I've since paid the bills, but they still appear on my Betreibungsauszug. Does anyone have any info on improving your chances of getting a decent apartment in this situation? Could i pay an increased deposit for example?

Thanks
Dave
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  #107  
Old 07.08.2009, 17:30
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Re: Getting an apartment with i dirty Betreibungsauszug

If you've paid off the betreibung, then you can ask the company to remove it from your records.
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  #108  
Old 07.08.2009, 22:02
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Re: The complete guide to bills and what happens if you don't pay them.

thanks evilshell. will look into that on Monday morning. One of the betreibungs was for unpaid income tax...out of interest, does anyone have any experience getting the steueramt to remove betreibungs?
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  #109  
Old 07.08.2009, 22:05
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Re: The complete guide to bills and what happens if you don't pay them.

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thanks evilshell. will look into that on Monday morning. One of the betreibungs was for unpaid income tax...out of interest, does anyone have any experience getting the steueramt to remove betreibungs?
Yes, they will remove them if you're paid in full and have nothing outstanding with them. - at least in Basel
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  #110  
Old 09.08.2009, 05:59
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Hello everybody, hello Shay,
i stay in Switzerland around 5 or 6 years in total. I don't like when i go to doctorand i receive for only one visit many builds like 2 or 3 with surprise and not only one.
If the visit is only one why I have to receive many builds and i cannot know when they'll stop?


P.S. If there is a Topic for the presentations, please inform me.
I try to save this page to don't lose this interesting Forum.

I go to doctor, not to "doctorand", sorry, i wrote doctorand bc i'm often thinking to the doktorand at university.

Last edited by jrspet; 09.08.2009 at 08:01. Reason: Consolidated information into a single post
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  #111  
Old 09.08.2009, 15:39
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Re: The complete guide to bills and what happens if you don't pay them.

@ehullis3823:
You do not need to accept this harrasment and intimidation from him! You owe him money all right, but that does not give him a carte blanche to have a go at you. Handle your affairs professionally, but do complain when this behaviour continues.
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  #112  
Old 10.08.2009, 09:28
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Re: The complete guide to bills and what happens if you don't pay them.

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Hello everybody, hello Shay,
i stay in Switzerland around 5 or 6 years in total. I don't like when i go to doctorand i receive for only one visit many builds like 2 or 3 with surprise and not only one.
If the visit is only one why I have to receive many builds and i cannot know when they'll stop?

Try paying them, that makes them stop!
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  #113  
Old 14.08.2009, 15:15
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Betreibung Removal Report

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Yes, they will remove them if you're paid in full and have nothing outstanding with them. - at least in Basel
Just thought I'd give a quick update re. removal of paid Betreibungs. I had one from the Steueramt(Zurich) and one from Winterthur insurance, both of which I contacted on Monday.

Winterthur asked me to send an email explaining why I'd been such a naughty boy. This I did, and they emailed a reply within a few hours agreeing to remove the Betreibung. They sent a letter directly to the Betreibungsamt confirming this.

The Steueramt were also very good. They sent me a letter (arrived yesterday) to bring to the Betreibungsamt, confirming that the Betreibung could be removed.

So, this morning I along to the Betreibungsamt, the lady did some magic, and I've ended up with a clean Betreibungsauszug. All in all, a lot quicker and not nearly as painful as I'd imagined

Thanks for the help everyone, esp. evilshell. Suggest you change your name to notevilatallactuallyveryhelpfulshell
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  #114  
Old 14.08.2009, 15:23
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Re: Betreibung Removal Report

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... Thanks for the help everyone, esp. evilshell. Suggest you change your name to notevilatallactuallyveryhelpfulshell
Glad you got it all worked out!

Shhhhhhh, don't let out my secret!
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  #115  
Old 08.11.2009, 11:57
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What to do when you got a betreibung

Hello,
I'm new to this forum.
I was living in Zurich for 19 months.
I left Switzerland the last week of June to go to live Asia and the US for 4 months. Before I left, I called my health insurance company to ask if they would cover me while I'm abroad. They said no, and told me to send a letter to ask for cancellation of my health insurance in Switzerland. I did. And I had to buy separate health insurance while abroad. I came back to Switzerland last week to take care of the things needed to be done for my permanent leave from Switzerland. I saw the bills from the health insurance company of the last 4 months. And yesterday I even received a Betreibung, which I guess was initiated from them. The Betreibung requested me to be in that office within 2 days.
What should I do?
Many thanks for your advice.
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  #116  
Old 08.11.2009, 12:44
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Re: What to do when you got a betreibung

I would phone the health insurance company, and post them by registered post a copy of your letter that you sent them to notify them...for a start...
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  #117  
Old 08.11.2009, 14:14
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Re: What to do when you got a betreibung

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Hello,
I'm new to this forum.
I was living in Zurich for 19 months.
I left Switzerland the last week of June to go to live Asia and the US for 4 months. Before I left, I called my health insurance company to ask if they would cover me while I'm abroad. They said no, and told me to send a letter to ask for cancellation of my health insurance in Switzerland. I did. And I had to buy separate health insurance while abroad. I came back to Switzerland last week to take care of the things needed to be done for my permanent leave from Switzerland. I saw the bills from the health insurance company of the last 4 months. And yesterday I even received a Betreibung, which I guess was initiated from them. The Betreibung requested me to be in that office within 2 days.
What should I do?
Many thanks for your advice.
If you didn't deregister from Switzerland, then you'll have to pay those insurance bills, as you can't just cancel outside of normal cancellation times without leaving the country and providing a copy of your deregistration papers.
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  #118  
Old 08.11.2009, 17:22
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Re: The complete guide to bills and what happens if you don't pay them.

Thanks Swisspea for the suggestion and evilshell for the comment.
I did not know that I had to deregister from Switzerland before leaving it permanently until now when I found this thread on this forum. So can I ask the Kreisbuero (or the Stadthaus?) to date my deregistration back in June? I have proof of living abroad (entry and exit visa stamps on my passport, rent bills, health insurance certificate...). Would these documents be sufficient?
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  #119  
Old 08.11.2009, 17:44
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Re: The complete guide to bills and what happens if you don't pay them.

Where is your permanent residence now if you are 'back' in switzerland but not really as a resident ? what is your visa status...

Living abroad for a period of time is not the same as relinquishing your 'residency'...

We are Australian citizens with a visa to reside in Switzerland. We still have to comply with the requirements (such as lodging a tax return) in Australia even though we currently live in Switzerland...

I feel your pain, there are probably 2-3 correspondences a month that I have to deal with - how we did it was set up a post box near our parents home and give them a key and an 'authority letter' so anything urgent they can handle...the other alternative was to have everything forwarded by the post-office to our overseas address. Just costs money...but a good way to avoid unpleasant surprises on your return home...
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  #120  
Old 08.11.2009, 17:54
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Re: The complete guide to bills and what happens if you don't pay them.

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Thanks Swisspea for the suggestion and evilshell for the comment.
I did not know that I had to deregister from Switzerland before leaving it permanently until now when I found this thread on this forum. So can I ask the Kreisbuero (or the Stadthaus?) to date my deregistration back in June? I have proof of living abroad (entry and exit visa stamps on my passport, rent bills, health insurance certificate...). Would these documents be sufficient?
Doubtful that you can retrospectively cancel your health insurance. You could have claimed benefits during the insured period.
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