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Old 14.08.2013, 11:21
cken1774 cken1774 is offline
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Debt Collection Agency Issues

I was referred to a debt collection agency quite rightly unfortunately because i messed up the automatic monthly payment. They were asked to collect the full 3015CHF plus 15CHF Kunderkosten. It snuck up on me so i called them and said i wouldnt be able to pay it until i recieved my paycheck at the start of the next month (august 1st). Called them July 29th to comfirm how much i had to pay in interest which came to 135.60CHF, didnt quibble because i thought i was getting off lightly. paid it august 1st but it seems the payment didnt go through until the 5th.

They sent out a letter on the 7th which reached me today (14th) demanding payment of 616.00CHF of Verzugsschaden gem. Art. 106 OR plus an extra 50CHF in interest within 5 days so its possible I'm already in trouble.

Is there any justification for this? and more importantly have i got any valid way to get out of it? In a bit of a bind
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