hi,
does anyone knew about zek, i took a half pass with visa card for 125 chf which is valid for 2years ,mistakenly i doesnt know i have to pay another 125 chf for that card after an year. The issue started when i applied for a loan i took nodues(BATRAIBUNGS) & came to know i have to pay 290chf with fine...I paid, Then also the loan got rejected,stating that there is an organisation named ZEK,they deal with finantial issues and more if a complaint is registered there they will remove it only after 5 yrs....still then no loans or credit card.But now here is my extention period i just want to know whether this will effect my permit,am a B card holder

thanks & regards,
vincy