Go Back   English Forum Switzerland > Living in Switzerland > Daily life  
Reply
 
Thread Tools Display Modes
  #1  
Old 04.03.2021, 08:15
Newbie
 
Join Date: Oct 2020
Location: zurich
Posts: 9
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
BlueNanny has no particular reputation at present
Consequences after moving out of the flat with unpaid bills

So I moved out of my previous flat last December and I had some unpaid bills that I didnt even know of. I tried to change my address everywhere but It was custom clearance cost from FedEx because I ordered smth from aboard so I wouldn't know there was even such a bill. Those arrived in December, Jan and Feb, and my name was written at the previous flat until end of Jan because I sublet the room to a person until then and the name card was only changed in Feb. Because it's a student flat and there live six people so no body really cared or thought about telling me that I still have letters arriving at my previous flat. Until yesterday one of them told me there were a few letters for me and I asked her to open it for me. One of them was already a bill from a debt collector Debitors claiming than I'll need to pay them more than 100 CHF while the original price was 30 CHF. I immediately paid the 30 just now because I read in this forum that we don't necessarily need to pay the cost from a third party. I wonder if there are more things I need to do? I didn't want to not pay the bill, it was only i didn't even know that FedEx would send me a bill after I have moved. I am more worried about whether next time when I move and if the next landlord would want me to show the whether-or-not-you-are-in-debt document will there be a record? Thank you!
Reply With Quote
  #2  
Old 04.03.2021, 08:26
Senior Member
 
Join Date: Oct 2020
Location: Lausanne
Posts: 343
Groaned at 21 Times in 12 Posts
Thanked 404 Times in 187 Posts
Sinking has earned the respect of manySinking has earned the respect of manySinking has earned the respect of many
Re: Consequences after moving out of the flat with unpaid bills

If you get a bill for 100 chf, that's what you need to pay.

I would call them explaining the situation (although, it is your fault for not forwarding your mail. Always, always change your address and forward your mail @the Post when you move!) and see if there's a solution.

If you only pay part of the bill, you will most likely receive another bill with even more fees.

At some point, not paying bills will indeed result in a record in your debt collection register.
Reply With Quote
The following 5 users groan at Sinking for this post:
  #3  
Old 04.03.2021, 08:34
Newbie
 
Join Date: Oct 2020
Location: zurich
Posts: 9
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
BlueNanny has no particular reputation at present
Re: Consequences after moving out of the flat with unpaid bills

Quote:
View Post
If you get a bill for 100 chf, that's what you need to pay.

I would call them explaining the situation (although, it is your fault for not forwarding your mail. Always, always change your address and forward your mail @the Post when you move!) and see if there's a solution.

If you only pay part of the bill, you will most likely receive another bill with even more fees.

At some point, not paying bills will indeed result in a record in your debt collection register.
Thank you for your reply! I did change every address I could think of, but this one was really unexpected. It could have been a smart move to register at Post, but I also didn't know you could do that before Lesson learned
Reply With Quote
This user would like to thank BlueNanny for this useful post:
  #4  
Old 04.03.2021, 08:36
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 32,516
Groaned at 2,578 Times in 1,840 Posts
Thanked 39,650 Times in 18,688 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Consequences after moving out of the flat with unpaid bills

Quote:
View Post
If you get a bill for 100 chf, that's what you need to pay.
NOT from a debt collector!

You only pay the original debt, plus any interest, NEVER any fees!

And NEVER have any communication in any form with debt collectors!

Tom
Reply With Quote
The following 6 users would like to thank st2lemans for this useful post:
  #5  
Old 04.03.2021, 09:14
Island Monkey's Avatar
Forum Legend
 
Join Date: Mar 2008
Location: Wallis
Posts: 6,490
Groaned at 114 Times in 79 Posts
Thanked 7,245 Times in 3,304 Posts
Island Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond repute
Re: Consequences after moving out of the flat with unpaid bills

ALWAYS get the post office to forward your post to your new address. I think it’s possible for up to a year.
Reply With Quote
The following 5 users would like to thank Island Monkey for this useful post:
  #6  
Old 04.03.2021, 09:33
Senior Member
 
Join Date: Oct 2020
Location: Lausanne
Posts: 343
Groaned at 21 Times in 12 Posts
Thanked 404 Times in 187 Posts
Sinking has earned the respect of manySinking has earned the respect of manySinking has earned the respect of many
Re: Consequences after moving out of the flat with unpaid bills

Quote:
View Post
NOT from a debt collector!

You only pay the original debt, plus any interest, NEVER any fees!

And NEVER have any communication in any form with debt collectors!

Tom
Maybe I am being too Swiss, but I would still be careful:

The Debt Collection Process
The exact process of debt recovery will depend on the canton, the nature of the debt, whether it is contested and how it can be recovered. If the debt is contested, the process will include legal action. An outline of the procedure is below:

The creditor submits a Debt Collection Request form to the DCO in the debtor’s place of residence. The fee for this service depends on the size of the debt

The DCO issues the debtor with a Demand for Payment (Zahlungsbefehl / Commandement de Payer)

If the debtor wishes to contest the Demand for Payment, they can send an Objection Notice (Rechtsvorschlag / Opposition du Débiteur) to the DCO within ten days of receiving it. If the creditor obtain can a court order which states that the debtor owes the debt (a Rechtsöffnung / Mainlevée de l'Opposition), the Objection Notice will be dismissed

If the debtor does not contest the Demand for Payment within ten days, they have technically agreed to pay the debt along with the DCO’s administration fee. If they cannot pay the debt, the creditor may submit a Request for Continuation (Fortsetzungsbegehren / Réquisition de Continuation de la Poursuite) to the DCO, and the DCO will begin to collect the debt


https://www.angloinfo.com/how-to/swi...administration.
Reply With Quote
  #7  
Old 04.03.2021, 09:36
Senior Member
 
Join Date: Oct 2020
Location: Lausanne
Posts: 343
Groaned at 21 Times in 12 Posts
Thanked 404 Times in 187 Posts
Sinking has earned the respect of manySinking has earned the respect of manySinking has earned the respect of many
Re: Consequences after moving out of the flat with unpaid bills

On a side note; I see that many people fail to communicate their change of address at the Post, thus not having their mail forwarded.

I am curious: how does it work in other countries? People just move and leave their mail behind? I thought postal services worked pretty much the same way everywhere?
Reply With Quote
  #8  
Old 04.03.2021, 09:56
NotAllThere's Avatar
Modulo 2
 
Join Date: Oct 2008
Location: Baselland
Posts: 15,045
Groaned at 307 Times in 263 Posts
Thanked 23,225 Times in 9,432 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: Consequences after moving out of the flat with unpaid bills

Every time I've changed address anywhere, I've set up mail forwarding. I guess some people just don't want to pay.
Reply With Quote
  #9  
Old 04.03.2021, 10:04
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 32,516
Groaned at 2,578 Times in 1,840 Posts
Thanked 39,650 Times in 18,688 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Consequences after moving out of the flat with unpaid bills

OP got a letter from a free-lance debt collecter, not the DCO, as that would come via registered mail.

Tom
Reply With Quote
This user would like to thank st2lemans for this useful post:
  #10  
Old 04.03.2021, 12:57
Newbie
 
Join Date: Mar 2021
Location: Zurich
Posts: 2
Groaned at 1 Time in 1 Post
Thanked 0 Times in 0 Posts
DylanNewton has no particular reputation at present
Re: Consequences after moving out of the flat with unpaid bills

Quote:
View Post
Maybe I am being too Swiss, but I would still be careful:

The Debt Collection Process
The exact process of debt recovery will depend on the canton, the nature of the debt, whether it is contested and how it can be recovered. If the debt is contested, the process will include legal action. An outline of the procedure is below:

The creditor submits a Debt Collection Request form to the DCO in the debtor’s place of residence. The fee for this service depends on the size of the debt

The DCO issues the debtor with a Demand for Payment (Zahlungsbefehl / Commandement de Payer)

If the debtor wishes to contest the Demand for Payment, they can send an Objection Notice (Rechtsvorschlag / Opposition du Débiteur) to the DCO within ten days of receiving it. If the creditor obtain can a court order which states that the debtor owes the debt (a Rechtsöffnung / Mainlevée de l'Opposition), the Objection Notice will be dismissed

If the debtor does not contest the Demand for Payment within ten days, they have technically agreed to pay the debt along with the DCO’s administration fee. If they cannot pay the debt, the creditor may submit a Request for Continuation (Fortsetzungsbegehren / Réquisition de Continuation de la Poursuite) to the DCO, and the DCO will begin to collect the debt


https://www.slotozilla.com/free-slots/nitro-circus.
As a rule, the tenant pays the rent for a given month for the next month, i.e. pays in advance. At the same time he also has to pay for utilities, i.e. heating, water, waste removal, electricity and maintenance of the building and its surroundings. This is the responsibility of the so-called "house master" (Hauswart / concierge). There are two stages of payment of the utility bills. Some of these costs are covered by the rent that has already been paid (akonto): this is usually a fixed amount. At the end of the year the estate agent or landlord will recalculate the rent and check the real costs. If you have used more gas or water than you have already paid, you get an extra bill. If it is less, you will be refunded the difference.

Below you can see an extract from the actual annual utility bill for a 4.5-bedroom flat in Bern. This includes: heating, "house master" services and general services of the landlord for the administration of the property, electricity, water and sewerage and rubbish collection. Cable network connection is charged separately. Landline phone and internet costs are an expense for the tenant. Renting a garage for one car space is usually an additional 5-7% of the monthly rent, but not less than 90 francs per month. Generally, an extra 120 francs is charged for the garage. This invoice below shows that the tenant owes 244 francs and 30 centimes for the year, which is the amount they will have to pay in addition to the total rent already paid.
Reply With Quote
This user groans at DylanNewton for this post:
  #11  
Old 04.03.2021, 13:10
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 11,705
Groaned at 385 Times in 323 Posts
Thanked 15,296 Times in 7,059 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: Consequences after moving out of the flat with unpaid bills

Quote:
View Post
As a rule, the tenant pays the rent for a given month for the next month, i.e. pays in advance. At the same time he also has to pay for utilities, i.e. heating, water, waste removal, electricity and maintenance of the building and its surroundings. This is the responsibility of the so-called "house master" (Hauswart / concierge). There are two stages of payment of the utility bills. Some of these costs are covered by the rent that has already been paid (akonto): this is usually a fixed amount. At the end of the year the estate agent or landlord will recalculate the rent and check the real costs. If you have used more gas or water than you have already paid, you get an extra bill. If it is less, you will be refunded the difference.

Below you can see an extract from the actual annual utility bill for a 4.5-bedroom flat in Bern. This includes: heating, "house master" services and general services of the landlord for the administration of the property, electricity, water and sewerage and rubbish collection. Cable network connection is charged separately. Landline phone and internet costs are an expense for the tenant. Renting a garage for one car space is usually an additional 5-7% of the monthly rent, but not less than 90 francs per month. Generally, an extra 120 francs is charged for the garage. This invoice below shows that the tenant owes 244 francs and 30 centimes for the year, which is the amount they will have to pay in addition to the total rent already paid.

Not sure how this is relevant to debt collection??
Reply With Quote
This user would like to thank roegner for this useful post:
  #12  
Old 04.03.2021, 13:38
Forum Legend
 
Join Date: Mar 2008
Location: ZH
Posts: 8,624
Groaned at 103 Times in 84 Posts
Thanked 13,373 Times in 5,436 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: Consequences after moving out of the flat with unpaid bills

Quote:
View Post
Not sure how this is relevant to debt collection??
Maybe just posted in the wrong thread. It seems more likely to relate to this one, here: https://www.englishforum.ch/housing-...-payments.html
Reply With Quote
  #13  
Old 04.03.2021, 13:44
Forum Legend
 
Join Date: Feb 2010
Location: CH
Posts: 11,320
Groaned at 400 Times in 326 Posts
Thanked 17,320 Times in 8,767 Posts
greenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond reputegreenmount has a reputation beyond repute
Re: Consequences after moving out of the flat with unpaid bills

Quote:
View Post
NOT from a debt collector!

You only pay the original debt, plus any interest, NEVER any fees!

And NEVER have any communication in any form with debt collectors!

Tom
One time we payed 60 fr for a bill less than 20 fr if I remember correctly, that we completely forgot to pay, because it was pursued by Intrum Justitia or smth. like that (I might be wrong about this name?). OH wanted to contest and investigate who are they but I just payed and never heard from them again. It's just not worth being dragged to the debtors registry for these things.
Reply With Quote
  #14  
Old 16.12.2021, 20:44
Phil_MCR's Avatar
Forum Legend
 
Join Date: Oct 2009
Location: Basel
Posts: 14,953
Groaned at 295 Times in 199 Posts
Thanked 19,026 Times in 8,002 Posts
Phil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond repute
Re: Consequences after moving out of the flat with unpaid bills

For others wanting to avoid this issue, set up a mail redirect so that all post goes to your new address for a year.
Reply With Quote
This user would like to thank Phil_MCR for this useful post:
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
How to find if I have any unpaid bills after leaving CH Djunkovski Leaving Switzerland 4 13.03.2017 15:14
Credit crunch... moved out CH and unpaid bills littlegirl2 Finance/banking/taxation 52 07.03.2013 08:20
Leaving the country, do i still need to pay outstanding bills, what consequences ? ganesai Insurance 25 27.12.2011 15:08


All times are GMT +2. The time now is 22:40.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0