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  #141  
Old 09.08.2010, 19:58
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Re: The complete guide to bills and what happens if you don't pay them.

The "Betreibungsamt" is only the messenger. It is the recipient of the money ie the endebted that you need to contact to ensure they do not enforce the Betreibung. If you don't do that then the company may well start legal proceedings against you. This is very much dependent on the circumstances of the debt and the amount owing. However if that step is started then the costs can easily increase by several hundred Francs. Again very much dependent on the amount owing.

Usually the best step is to talk. I would also suggest looking at why you have received this Betreibung - is this an oversight or a dispute. If it is a dispute you can elect for "Rechtsvorschlag" where the endebted must prove the money is owed. This usually is done in the first instance by a "Friedensrichter" who is appointed by the court and makes no/minimal charge. Again dependent on the amount owing.

Of course the ultimate question is why can you not pay a bill that has been owing for many weeks and that you have known about for a long time until your next salary in two weeks? I would suggest taking a serious look at your income and outgoings because it does sound like you are spending more than you should be in relation to your income.



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betreibungsamt brought me a letter that I have to pay a bill within 10 days, no I can not and will pay it first once I get my salary (14days)

what will the consequence be?

edit:
before some internet warrior jumps in to bash me, I can mention that they are closed until the 12th of august (according to their answeringmachine) so I can not call there to ask
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  #142  
Old 09.08.2010, 20:05
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Re: The complete guide to bills and what happens if you don't pay them.

Quick question to whom might know the answer: I had an item (faulty one) exchanged in one of the online shops from Germany and they sent it back to me in July. Today came the letter from the UPS to pay MWST CHF32.40. My guts feeling tells me that I shouldn't pay the MWST twice on item that has been exchanged under warranty? What is the course of actions?
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  #143  
Old 09.08.2010, 20:09
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Re: The complete guide to bills and what happens if you don't pay them.

You are correct. You need to be able to demonstrate that you have already paid it and send a copy of the payment with an explanation to UPS. Note they might well ignore you but you do not need to pay so can let them take whatever action they so which. Note also you must keep the orginal payment for the item and have the online shop in Germany on your side ie that you did return the original. Also helps to have the documentation returning the original set to one side as well...

Just as an aside this is not an unusual situation and the Swiss Post are good at dealing with it. Couriers are less good though and will usually start getting very stroppy about the outstanding amount. Be warned...

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Quick question who might know the answer: I had an item (faulty one) exchanged in one of the online shops from Germany and they sent it back to me in July. Today came the letter from the UPS to pay MWST CHF32.40. My guts feeling tells me that I shouldn't pay MWST twice on item that has been exchanged under warranty? What is the course of actions?
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  #144  
Old 09.08.2010, 20:17
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Re: The complete guide to bills and what happens if you don't pay them.

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You are correct. You need to be able to demonstrate that you have already paid it and send a copy of the payment with an explanation to UPS. Note they might well ignore you but you do not need to pay so can let them take whatever action they so which. Note also you must keep the orginal payment for the item and have the online shop in Germany on your side ie that you did return the original. Also helps to have the documentation returning the original set to one side as well...

Just as an aside this is not an unusual situation and the Swiss Post are good at dealing with it. Couriers are less good though and will usually start getting very stroppy about the outstanding amount. Be warned...
Thanks for your prompt answer. Indeed, I've kept all the receipts up to date which common sense told me to do so and if the push comes to shove I will produce all the proofs. Otherwise, I like the idea of the guy from this thread: Import duties for online purchases - Some helpful tips which I will try to experiment with next time around.
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  #145  
Old 23.09.2010, 14:20
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Re: The complete guide to bills and what happens if you don't pay them.

what happen if you never pay the bills ?

thx
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  #146  
Old 25.09.2010, 13:52
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Re: The complete guide to bills and what happens if you don't pay them.

is this a case of can't or won't?
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  #147  
Old 25.09.2010, 15:37
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Re: The complete guide to bills and what happens if you don't pay them.

Thank you for answering:

It is a "can't" case

but I am also curious to know the "won't" case

best
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  #148  
Old 14.02.2011, 11:53
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Re: The complete guide to bills and what happens if you don't pay them.

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The "Betreibungsamt" is only the messenger. It is the recipient of the money ie the endebted that you need to contact to ensure they do not enforce the Betreibung. If you don't do that then the company may well start legal proceedings against you. This is very much dependent on the circumstances of the debt and the amount owing. However if that step is started then the costs can easily increase by several hundred Francs. Again very much dependent on the amount owing.

Usually the best step is to talk. I would also suggest looking at why you have received this Betreibung - is this an oversight or a dispute. If it is a dispute you can elect for "Rechtsvorschlag" where the endebted must prove the money is owed. This usually is done in the first instance by a "Friedensrichter" who is appointed by the court and makes no/minimal charge. Again dependent on the amount owing.

Of course the ultimate question is why can you not pay a bill that has been owing for many weeks and that you have known about for a long time until your next salary in two weeks? I would suggest taking a serious look at your income and outgoings because it does sound like you are spending more than you should be in relation to your income.
The issue is the following:

I have this crazy girlfriend that likes to buy stuff in the internet and never pay for them. She also has a huge debit in her credit card and other stuff.

She is not Swiss. What happen if she does not pay the bills .... will they kick her out of the country or arrest her?

What happen if I marry her? Will I be forced to pay her debits?

THANK YOU
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  #149  
Old 14.02.2011, 11:59
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Re: The complete guide to bills and what happens if you don't pay them.

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What happen if I marry her? Will I be forced to pay her debits?

THANK YOU
the rule is that the debts people have before marriage remain their own. however, try explaining that to your new wife.
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  #150  
Old 14.02.2011, 12:02
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Re: The complete guide to bills and what happens if you don't pay them.

Thank you very much.

So if she never pay for her debits will they kick her out or anything extreme besides including her in the black list of credit?

best
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  #151  
Old 05.04.2011, 01:43
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Re: The complete guide to bills and what happens if you don't pay them.

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If it is a dispute you can elect for "Rechtsvorschlag" where the endebted must prove the money is owed. This usually is done in the first instance by a "Friedensrichter" who is appointed by the court and makes no/minimal charge. Again dependent on the amount owing.
Hi all,
This post has been extremely helpful but I do still have some questions. I went to an acupuncture practice for acupuncture to relieve migraines. They said they could treat me using a variety of methods during the one hour session. I went for 9 treatments before a friend (and her husband who was seeking treatment for a completely different ailment), whom I had referred to this practice, discovered that we were all receiving the exact same treatments. We immediately canceled our future appointments and said that we were unhappy with the treatment methods. Of course, in typical Swiss fashion, I received my first bill from the practice only after these 9 sessions, and I found out that they charged 60 CHF more per session than their list price for acupuncture. The extra charges were for the other methods (heat lamps, cupping, etc) that they used DURING the acupuncture session, which I of course, never knew would have extra charges or I would have refused them. So, I have long since paid what I believe I owed and now after many discussions and emails, they are threatening to send my outstanding debt (420 CHF) to the collection agency. I would most definitely like to dispute these charges as it is absurd they can charge whatever they would like without the consent of the patient.
Will the ""Rechtsvorschlag" where the endebted must prove the money is owed" just use the practice's bill to prove that I owe them more? How can I dispute the extra services that I never agreed to?
What is my best move this late in the game? I don't want to pay for a lawyer but I just don't want to pay these people out of principle as their business is a total scam! Help
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  #152  
Old 05.08.2011, 11:50
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Re: The complete guide to bills and what happens if you don't pay them.

I just wanted to say (maybe again? I did read through but might have missed it) that ANYONE can decide to send you a Betreibung, regardless of whether you owe them money or not. Just like ANYONE can send you a bill and a threatening letter saying that you have to pay or else you will get a Betreibung.

I was wondering whether getting threatening letters with no actual basis would consist as "Nötigung"? And would this stop the person going on to the "Betreibung"?
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  #153  
Old 05.08.2011, 12:13
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Re: The complete guide to bills and what happens if you don't pay them.

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Will the ""Rechtsvorschlag" where the endebted must prove the money is owed" just use the practice's bill to prove that I owe them more? How can I dispute the extra services that I never agreed to?
What is my best move this late in the game? I don't want to pay for a lawyer but I just don't want to pay these people out of principle as their business is a total scam! Help
You have to actively fight these people. If you just ignore the problem then the fees increase.

You cannot raise a "Rechtsvorschlag" against a debt collector.

You need to find some consumer advice, or a lawyer, or pay up and put it down to experience.
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  #154  
Old 08.03.2012, 22:48
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Re: The complete guide to bills and what happens if you don't pay them.

We have received a reminder notice for a bill that a) we did not receive and b) that we believe we do not owe as our payments are up to date according to the information we have. The company refuses to explain exactly what the bill is for and how it was calculated. Where do we go from here? What happens next? We have already received the 2nd reminder + threat but we are as sure as we can be that we do not owe this money.
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  #155  
Old 07.11.2012, 19:14
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Re: The complete guide to bills and what happens if you don't pay them.

A company sold me health insurance invalid in the canton I live in back in 2008. After I came to know that the insurance is invalid, I cancelled the contract with the company based on information from the canton. A year later in 2009, the insurance co. engaged a collection company based in Zurich to recover claims.

After some letters back and forth, the health insurance company accepted that I had cancelled my contact with them correctly and they had no dues to recover, and the debt collection company told me they had "closed their dossier".

Today I went to get an "attestation de non porsuites" and was shocked to see a porsuite (Betriebung) from 2009 from the debt collection company still open against me. I called them up and was asked to pay 100 CHF to close the porsuite. I had to pay up, since I am under pressure to find a new place to stay starting Dec 1, and need the attestation asap.

My questions:
Is it legal for the debt collection company to charge me to close the porsuite? Their client, the insurance company admitted in a letter that I owed them nothing.

Can I file a recovery claim against the debt collection company for the 100 CHF?

If yes, do I have to do it with the Zurich Betriebungsamt or can I do it where I live? How much will it cost?
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  #156  
Old 09.11.2012, 16:27
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Re: The complete guide to bills and what happens if you don't pay them.

My advice is...just go and live in another country. Save yourself all the stress and you can go out for dinner without feeling you've been raped afterwards. Simples.
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  #157  
Old 11.01.2013, 18:42
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Re: The complete guide to bills and what happens if you don't pay them.

We are in a difficult situation and I was hoping that somebody can help us here.
The deadline to send a notice for termination of our contract with our daughter's Krippe was January 1st, for termination on March 1, 2013.
We sent the letter on january 3rd, 2013, due to bank and post holidays. The Krippe manager now tells us we have to pay for the full month of March (1400 CHF) or they will file a betreibung against us.
When I asked if she is going to find somebody to replace us, she said she has started looking but she may not find anybody. We were in the waiting list for this Krippe for a full year and I find it almost impossible that she cannot replace us. Nevertheless, she believes that since we missed the deadline we have to pay one extra month (out of principle).
Our reason for termination is that I found out I was sick late december and my doctor has strongly suggested that I take a sabbatical from work and spend time with our daughter. So I have quit my job and we cancelled the Krippe. But now we are in this mess.
Can somebody please suggest what we should do? Do we have to pay them just for being late for 2 days? And how can this 2 days delay them in replacing us? The Krippe was officially closed between december 22 and january 2.
Please please help!
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  #158  
Old 06.03.2013, 23:35
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Re: The complete guide to bills and what happens if you don't pay them.

I received 2 tickets on my car for "inappropriate parking". The tickets were. from a Societe de Denonciation and sent to the police who then billed me 40 francs each plus an extra 50 francs each for the administration charges of the company which denounced me.

My car was perfectly parked in my own parking space, but i rarely use it as i prefer my underground parking box due to the fact that I had previously been scratched in the night.

We often get non residents of our block illegally using our external parking spaces to go to nearby concerts and events. I guess the concierge of our block didn't recognize my car and wrote the tickets thinking i was an outsider.

I wrote to the police explaining that i was perfectly parked in my own parking space (with evidence), and then the reminders started coming with their little "administrative charges".

Eventually i got a curt reply from the police which basically said "pay or go to court". I figured that going to court was going to cost me time and stress so it wasn't an option. As for not paying the bills, they would just simply pass them on to the office des poursuites, and you no longer have a clean file if you want to rent somewhere.

To conclude, i just decided to pay the bills to end this legalised mugging experience.
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Old 06.03.2013, 23:54
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Re: The complete guide to bills and what happens if you don't pay them.

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I received 2 tickets on my car for "inappropriate parking". The tickets were. from a Societe de Denonciation and sent to the police who then billed me 40 francs each plus an extra 50 francs each for the administration charges of the company which denounced me.

My car was perfectly parked in my own parking space, but i rarely use it as i prefer my underground parking box due to the fact that I had previously been scratched in the night.

We often get non residents of our block illegally using our external parking spaces to go to nearby concerts and events. I guess the concierge of our block didn't recognize my car and wrote the tickets thinking i was an outsider.

I wrote to the police explaining that i was perfectly parked in my own parking space (with evidence), and then the reminders started coming with their little "administrative charges".

Eventually i got a curt reply from the police which basically said "pay or go to court". I figured that going to court was going to cost me time and stress so it wasn't an option. As for not paying the bills, they would just simply pass them on to the office des poursuites, and you no longer have a clean file if you want to rent somewhere.

To conclude, i just decided to pay the bills to end this legalised mugging experience.
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Old 07.03.2013, 01:26
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Re: The complete guide to bills and what happens if you don't pay them.

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I received 2 tickets on my car for "inappropriate parking". The tickets were. from a Societe de Denonciation and sent to the police who then billed me 40 francs each plus an extra 50 francs each for the administration charges of the company which denounced me.

My car was perfectly parked in my own parking space, but i rarely use it as i prefer my underground parking box due to the fact that I had previously been scratched in the night.

We often get non residents of our block illegally using our external parking spaces to go to nearby concerts and events. I guess the concierge of our block didn't recognize my car and wrote the tickets thinking i was an outsider.

I wrote to the police explaining that i was perfectly parked in my own parking space (with evidence), and then the reminders started coming with their little "administrative charges".

Eventually i got a curt reply from the police which basically said "pay or go to court". I figured that going to court was going to cost me time and stress so it wasn't an option. As for not paying the bills, they would just simply pass them on to the office des poursuites, and you no longer have a clean file if you want to rent somewhere.

To conclude, i just decided to pay the bills to end this legalised mugging experience.
interesting. just for my information, could you please tell me what your full name and address is?
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