Go Back   English Forum Switzerland > Help & tips > Transportation/driving
Reply
 
Thread Tools Display Modes
  #21  
Old 31.03.2016, 18:30
Forum Legend
 
Join Date: May 2010
Location: north
Posts: 6,134
Groaned at 226 Times in 146 Posts
Thanked 5,094 Times in 2,632 Posts
rob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond repute
Re: Letter from ecollect.ch

Euro parking hahaha throw it in the bin
Reply With Quote
  #22  
Old 31.03.2016, 18:55
alemap's Avatar
Member
 
Join Date: Jul 2008
Location: Erlenbach, Zurich
Posts: 177
Groaned at 0 Times in 0 Posts
Thanked 160 Times in 75 Posts
alemap has earned some respectalemap has earned some respect
Re: Letter from ecollect.ch

As well as evidence, power of attorney, proof they can operate on behalf of the Council or local authority, wouldn't they also need to show that there has been a judicial judgement of some kind against you, based on the evidence?

This all seems very inflated, and I'd assume only a fraction of people would pay on such a flimsy looking demand.
Reply With Quote
  #23  
Old 01.04.2016, 09:21
Forum Legend
 
Join Date: May 2010
Location: north
Posts: 6,134
Groaned at 226 Times in 146 Posts
Thanked 5,094 Times in 2,632 Posts
rob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond repute
Re: Letter from ecollect.ch

Quote:
View Post
Honestly? I think you should support their innovative business model - they are a startup technology company with venture capital, FinTech sector, want to expand across Europe. What's there not to like?

Regarding their demands? It's just looks like factoring or plain debt collection. Pretty legal everywhere on this planet.

Has the parking fine any merit? That's your problem and that's what you need to challenge.
Hopefully you know the difference between a debt collection agency and a bailiff.
Reply With Quote
  #24  
Old 01.04.2016, 20:14
Forum Veteran
 
Join Date: Nov 2011
Location: Mies
Posts: 537
Groaned at 6 Times in 4 Posts
Thanked 307 Times in 195 Posts
catandmouse has earned some respectcatandmouse has earned some respect
Re: Letter from ecollect.ch

You need to make a distinction between fines (or whatever newfangled words they have for these) issued by the police, local authorities or anything official, and those issued by private companies. The latter are civil matters and are much more difficult to enforce. Hence the strong-arm methods used by the debt-collectors trying to do so. Interestingly in Switzerland you are only obliged to pay the amount on the original bill and none of the fees of the debt collection agency.
Reply With Quote
This user would like to thank catandmouse for this useful post:
  #25  
Old 01.04.2016, 20:55
Forum Veteran
 
Join Date: Mar 2008
Location: ZH
Posts: 1,467
Groaned at 7 Times in 7 Posts
Thanked 2,230 Times in 824 Posts
doropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond repute
Re: Letter from ecollect.ch

Quote:
View Post
Interestingly in Switzerland you are only obliged to pay the amount on the original bill and none of the fees of the debt collection agency.
That's interesting. Could you please provide a link setting this out? That would help me help someone else, right away. Thanks.
Reply With Quote
  #26  
Old 03.04.2016, 22:08
Treverus's Avatar
Forum Legend
 
Join Date: Dec 2007
Location: SZ
Posts: 9,274
Groaned at 215 Times in 178 Posts
Thanked 16,487 Times in 6,020 Posts
Treverus has a reputation beyond reputeTreverus has a reputation beyond reputeTreverus has a reputation beyond reputeTreverus has a reputation beyond reputeTreverus has a reputation beyond reputeTreverus has a reputation beyond repute
Re: Letter from ecollect.ch

Quote:
View Post
That's interesting. Could you please provide a link setting this out? That would help me help someone else, right away. Thanks.
Just for the record - it is totally legal to charge you a reasonable percentage of interest on money owed. But we are talking about a few percent per year... that's called Verzugszins.

Any additional charges for the effort to make you pay are illegal. Any company can send you three reminders and then make an official and very cost efficient Betreibung. If they decide to use an Inkasso company is it their job to pay them. Here is the source with a template letter to tell them to go f($& themselves...

http://www.konsumentenschutz.ch/them...jUaxoCwEbw_wcB
__________________
There is a special place in Hull reserved for the guy who invented autocorrect.
Reply With Quote
The following 2 users would like to thank Treverus for this useful post:
  #27  
Old 03.04.2016, 22:48
Forum Veteran
 
Join Date: Aug 2015
Location: Basel
Posts: 840
Groaned at 13 Times in 12 Posts
Thanked 503 Times in 297 Posts
Landers has earned the respect of manyLanders has earned the respect of manyLanders has earned the respect of many
Re: Letter from ecollect.ch

Quote:
View Post
Interestingly in Switzerland you are only obliged to pay the amount on the original bill and none of the fees of the debt collection agency.

Also the case in the UK, unless you have agreed to such costs in any contract.
Reply With Quote
  #28  
Old 03.04.2016, 23:58
Forum Legend
 
Join Date: May 2010
Location: north
Posts: 6,134
Groaned at 226 Times in 146 Posts
Thanked 5,094 Times in 2,632 Posts
rob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond repute
Re: Letter from ecollect.ch

As hinted at earlier there is a huge difference between a DCA and a bailiff. DCA tell them to piss off.
Reply With Quote
This user would like to thank rob1 for this useful post:
  #29  
Old 04.04.2016, 00:24
Forum Veteran
 
Join Date: Mar 2008
Location: ZH
Posts: 1,467
Groaned at 7 Times in 7 Posts
Thanked 2,230 Times in 824 Posts
doropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond reputedoropfiz has a reputation beyond repute
Re: Letter from ecollect.ch

Quote:
View Post
As hinted at earlier there is a huge difference between a DCA and a bailiff. DCA tell them to piss off.
Please, what are the official Swiss terms (in German? in French?) for a "DCA"? (not actually sure what that means in English)
And for a bailiff?
Thanks. Then perhaps I'd learn the difference.
Reply With Quote
  #30  
Old 04.04.2016, 02:07
Forum Legend
 
Join Date: May 2010
Location: north
Posts: 6,134
Groaned at 226 Times in 146 Posts
Thanked 5,094 Times in 2,632 Posts
rob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond repute
Re: Letter from ecollect.ch

DCA = debt collection agency
Reply With Quote
This user would like to thank rob1 for this useful post:
  #31  
Old 04.04.2016, 02:52
Forum Veteran
 
Join Date: Aug 2015
Location: Basel
Posts: 840
Groaned at 13 Times in 12 Posts
Thanked 503 Times in 297 Posts
Landers has earned the respect of manyLanders has earned the respect of manyLanders has earned the respect of many
Re: Letter from ecollect.ch

If you tell a debt collection agency to piss off you effectively tell them go away or take me to court, and they just might.
Reply With Quote
  #32  
Old 04.04.2016, 09:20
Forum Legend
 
Join Date: May 2010
Location: north
Posts: 6,134
Groaned at 226 Times in 146 Posts
Thanked 5,094 Times in 2,632 Posts
rob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond reputerob1 has a reputation beyond repute
Re: Letter from ecollect.ch

All depends if they have the right to the claim doesn't it.
Reply With Quote
This user would like to thank rob1 for this useful post:
  #33  
Old 04.04.2016, 10:13
Junior Member
 
Join Date: Feb 2010
Location: Zurich
Posts: 81
Groaned at 3 Times in 3 Posts
Thanked 9 Times in 8 Posts
proshut has no particular reputation at present
Re: Letter from ecollect.ch

Quote:
View Post
Hi all,

I have recently received a letter from company called eCollect. They are demanding a payment for some parking fine that was made in some other country outside EU and Switzerland back in 2014. I cannot recall ever receiving parking fine over there.

Apparently they either bought the loan or acting on behalf of European Parking Collection, which is one of those, and eCollect.ch is registered in Zug.

I have no idea on how they got onto my details and how they can request a payment?

Is this legal in Switzerland and shall I report this to local Gemeinde and Police?

Many Thanks
Then why is the phone number in Germany? (country code : +49)... fishy!
Reply With Quote
This user would like to thank proshut for this useful post:
  #34  
Old 04.04.2016, 10:41
Treverus's Avatar
Forum Legend
 
Join Date: Dec 2007
Location: SZ
Posts: 9,274
Groaned at 215 Times in 178 Posts
Thanked 16,487 Times in 6,020 Posts
Treverus has a reputation beyond reputeTreverus has a reputation beyond reputeTreverus has a reputation beyond reputeTreverus has a reputation beyond reputeTreverus has a reputation beyond reputeTreverus has a reputation beyond repute
Re: Letter from ecollect.ch

Quote:
View Post
If you tell a debt collection agency to piss off you effectively tell them go away or take me to court, and they just might.




No, not in Switzerland. You do not get sued to pay a bill, you get a Betreibung. Thats a special claims system unique to Switzerland. And there is nothing to be afraid of it - anyone who wants money from you will need to prove their claim. Something they have not done so far. Then do you of course not have to pay for the illegal costs typically slammed on your bill.


Long story short: Debt collecting agencies in Switzerland do everything to avoid the actual legal route - cause they know that they cannot make money with it. So they rather send you another angry pseudo legal threatening letter that it will get much more expensive if you wait longer and don't pay immediately... which is simply not true.
__________________
There is a special place in Hull reserved for the guy who invented autocorrect.
Reply With Quote
The following 2 users would like to thank Treverus for this useful post:
  #35  
Old 04.04.2016, 12:26
Samaire13's Avatar
Forum Veteran
 
Join Date: Apr 2014
Location: CH
Posts: 2,353
Groaned at 59 Times in 46 Posts
Thanked 3,500 Times in 1,371 Posts
Samaire13 has a reputation beyond reputeSamaire13 has a reputation beyond reputeSamaire13 has a reputation beyond reputeSamaire13 has a reputation beyond reputeSamaire13 has a reputation beyond reputeSamaire13 has a reputation beyond repute
Re: Letter from ecollect.ch

Quote:
View Post
Then why is the phone number in Germany? (country code : +49)... fishy!
+1

Would have guessed this is a scam for sure But then I googled a little and it seems legit
http://www.startwerk.ch/2015/01/27/e...-per-whatsapp/ http://www.20min.ch/schweiz/news/story/12520181 (German only)
Reply With Quote
  #36  
Old 05.04.2016, 02:44
Forum Legend
 
Join Date: Oct 2014
Location: Ostschweiz
Posts: 3,049
Groaned at 99 Times in 79 Posts
Thanked 3,786 Times in 1,954 Posts
Urs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond repute
Re: Letter from ecollect.ch

Quote:
View Post
Please, what are the official Swiss terms (in German? in French?) for a "DCA"? (not actually sure what that means in English)
And for a bailiff?
Thanks. Then perhaps I'd learn the difference.
DCA, debt collector agancy, is an Inkassofirma in swiss German.
Bailiff is a Gerichtsvollzieher. Even though the term exists the job/position doesn't exist in Switzerland (but it does exist in Germany)
Quote:
If you tell a debt collection agency to piss off you effectively tell them go away or take me to court, and they just might.
Quote:
All depends if they have the right to the claim doesn't it.
Nope, doesn't matter if they do. Or try, rather as the debt hasn't been proven yet.

But assuming instead that there is indeed a debt the debtor owes
- the original debt (or remainder if already partially paid)
- interest (Verzugszinsen) of no more than 5% p.a. (pro rata where applicable)
- the cost for the Betreibung itself (offcial fees, regulated; amount depends on the sum owed, typically 100-200CHF)

Code of obligations (Obligationenrecht) article 106, which the debt collectors usually refer to, does not apply. What does apply however is Schuld- und Konkursgesetz article 27 (SchKG art. 27) (no english version) which says that ...
"...
3 Niemand kann verpflichtet werden, einen gewerbsmässigen Vertreter zu bestellen. Die Kosten der Vertretung dürfen nicht dem Schuldner überbunden werden."

... thus if the creditor appoints a debt collector they are not paid by the debtor but rather by the creditor. So indeed, OP do tell them to STFU and stuff it where the sun doesn't shine (in a non-punishable way of course).

Generally speaking if after paying the debt (assuming there is indeed a debt) they keep harassing you they may be prosecutable under criminal code article 181, coercion (Nötigung). If on the other hand they keep harassing you despite being unable to prove their case that's probably coercion as well. I'm quite positive mentioning that in a registered letter plus forbidding them to contact you any more (and of course that you reserve the right to report them if they keep contacting you) will get you your peace back.

Last edited by Urs Max; 05.04.2016 at 03:06.
Reply With Quote
The following 2 users would like to thank Urs Max for this useful post:
  #37  
Old 01.12.2016, 16:11
bigblue2's Avatar
Forum Legend
 
Join Date: Mar 2009
Location: Glarus
Posts: 6,152
Groaned at 309 Times in 249 Posts
Thanked 9,529 Times in 3,870 Posts
bigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond repute
Re: Letter from ecollect.ch

been getting letters from these clowns now for the dart charge, threats are getting more lets see how far they take it before I fold and pay them the 3chf original charge lol
Reply With Quote
The following 2 users would like to thank bigblue2 for this useful post:
  #38  
Old 01.12.2016, 17:59
Textoch's Avatar
Forum Veteran
 
Join Date: Mar 2011
Location: Texas, USA (formerly Vaud, CH)
Posts: 1,161
Groaned at 26 Times in 24 Posts
Thanked 2,857 Times in 896 Posts
Textoch has a reputation beyond reputeTextoch has a reputation beyond reputeTextoch has a reputation beyond reputeTextoch has a reputation beyond reputeTextoch has a reputation beyond reputeTextoch has a reputation beyond repute
Re: Letter from ecollect.ch

Quote:
View Post
been getting letters from these clowns now for the dart charge, threats are getting more lets see how far they take it before I fold and pay them the 3chf original charge lol
Too bad bills in Switzerland must be paid by transfer. Sending a payment by post with 60 5-centime coins Scotch-taped onto the remittance slip would be gratifying in this case, IMO.

Last edited by Textoch; 01.12.2016 at 18:25. Reason: Clarity
Reply With Quote
  #39  
Old 03.12.2016, 22:27
Medea Fleecestealer's Avatar
Forum Legend
 
Join Date: Jul 2011
Location: Misery-Courtion
Posts: 13,536
Groaned at 171 Times in 135 Posts
Thanked 9,662 Times in 5,515 Posts
Medea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond repute
Re: Letter from ecollect.ch

This might cheer all of you up.

"A spoof news site has released a charity song for Christmas, mocking an infamous river crossing.

Southend News Network's song "Dartford Tolls" has been viewed more than one million times on Facebook and YouTube.

Written by the site's creator, the ditty slams the Essex to Kent crossing's regular traffic jams and "extortionate" toll charges.

Southend News Network's "chief reporter" said the aim was to raise "as much money as possible" for charity."

http://www.bbc.com/news/uk-england-essex-38180535
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Fined for not having a ticket/money, but no letter yet - returning to CH OK? mudri Transportation/driving 20 01.02.2011 14:47
B permit-did not move to CH within the 3 months from receiving the aproval letter Cromos05 Permits/visas/government 5 19.01.2009 09:24
letter from Bezirksstatthalteramt opel Permits/visas/government 13 21.11.2008 12:54
Advise Me Please On Obtaining A Lawyer's Letter In Ch Moysel Other/general 19 05.02.2008 12:37


All times are GMT +2. The time now is 05:51.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0