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Old 03.12.2012, 13:28
cdj cdj is offline
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Betreibungs after leaving Switzerland

A little background: I was an exchange student last fall and left in January 2012. I unregistered at the City hall like I was supposed to, sent out my confirmation of leave and new address (in the US) to all relevant parties, etc. I'm am pretty sure I did everything I was supposed to.
I returned this September to begin a Master's program here. Just today, a man came to my apartment talking about a Betreibungs for some bill that was sent to my former address after I had unregistered and left Switzerland. I am not completely fluent in German yet and it was early in the morning, but I got the gist of what he was saying and it was something along the lines of that I was going to be sent this debt collection notice because they sent a bill to my former Swiss address that was never paid. They had my US address, but when I asked they said they had not sent it there, only to my old Swiss address.
I looked around the forum and it seems like some of these collections you can have removed from your credit report right after they are paid and I am wondering if this is true for everything. I am currently looking for apartments, so I really don't want this to affect my credit rating, especially since it is not because I didn't pay due to credit reasons, but merely because I never got the bill! This is really stressing me out because its hard enough finding an apartment as it is and I've never had credit problems before.

A side note: I am not even entirely sure what the bill could be for as I had no outstanding contracts when I left Switzerland. The only thing I can think of would be my insurance, as this is the only subscription I actually had while I lived in Switzerland. However, they informed me I could cancel my subscription when I left merely by sending the confirmation of leave I got from the city hall, which I did. If this is the problem, is there any way I can get the charges dropped completely, since my insurance should have been cancelled?
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Old 03.12.2012, 13:38
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Re: Betreibungs after leaving Switzerland

Yes, once you pay the full amount it will be removed from your records.

Those that do not pay - or can not pay - then it stays on their local credit record.

Ask for a copy of the outstanding invoice. If you don't recognize it, ask for clarification and details (should be enough on the invoice). I doubt you have copies or records of all cancellation notices from when you left before... which would support your side.

Good luck, please let us know how this works out for you.
JC
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Old 03.12.2012, 14:00
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Re: Betreibungs after leaving Switzerland

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Yes, once you pay the full amount it will be removed from your records.

Those that do not pay - or can not pay - then it stays on their local credit record.

JC
Are you sure? If you pay it remains on your record and is declared as paid, but it is not removed.

You can request to the people who took out the notice that they remove it if it should not be there, which in the OP case is fair. But if the OP just pays it, it is not automatically removed.

This is my understanding of how it works. My wife once sued a company and on the betreibungs report you could clearly see how many other people had taken action against them even though they had paid.
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Old 03.12.2012, 14:21
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Re: Betreibungs after leaving Switzerland

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Are you sure? If you pay it remains on your record and is declared as paid, but it is not removed.

You can request to the people who took out the notice that they remove it if it should not be there, which in the OP case is fair. But if the OP just pays it, it is not automatically removed.

This is my understanding of how it works. My wife once sued a company and on the betreibungs report you could clearly see how many other people had taken action against them even though they had paid.
I had heard both from various sources (and seen both on this forum), that's why I ask. If it does not get removed after paying I will definitely try to see if the company will remove it.
I am mostly a bit annoyed and frustrated, as the collector who came to notify me has both my former Swiss address and the address I lived at in the US after leaving, yet admitted that they had only tried to send the bill to my former Swiss address and not to the US one.

I do also still have my confirmation of leave from city hall from before, but I am not sure if I have any other paperwork or proof from when I left. Although, I am not entirely sure what the bill is for as the collector did not have it with him and said he would mail it to my current address.

Thanks for the quick replies!
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Old 03.12.2012, 14:30
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Re: Betreibungs after leaving Switzerland

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Are you sure? If you pay it remains on your record and is declared as paid, but it is not removed.

You can request to the people who took out the notice that they remove it if it should not be there, which in the OP case is fair. But if the OP just pays it, it is not automatically removed.

This is my understanding of how it works. My wife once sued a company and on the betreibungs report you could clearly see how many other people had taken action against them even though they had paid.
Surely there are some situations that the Betreibung stays on record. I was sent one unexpectedly as a company claims that I owed them money. When I proved that the payment has been made, there was no problem and the report was removed from my record. I even paid for a Betreibungs report from the Gemeinde to make sure.

A situation that a person is not able to pay... then pays it off (monthly or whatever) over time... then I can imagine it would stay on the record. As far as I know, only the person or company that initiates the Betreibung can have it removed from record.

CDJ, don't sweat it... Yes, easier said than done at the moment Still, wait for the invoice of outstanding payment and see what all the uproar is about. Once you receive the invoice, and you are sure the invoice is incorrect due to the proper deregistration and cancellation of all policies and subscriptions.
JC
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Old 03.12.2012, 15:49
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Re: Betreibungs after leaving Switzerland

This sounds fishy to me. Some guy comes to your house, he's not from the company you owe money to or the Betreibung and yet he wants you to pay? How the heck does he know you owe money when you don't?

Good for you if you didn't pay, and take a careful look at the bill once he mails it to you. You first need to know what company filed the Betreibung before you can figure out if it is legit. In fact maybe you can contact the local office and get it straight from them what the outstanding bill is.

Good luck!
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