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Old 23.11.2022, 11:59
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Late payment charges demands?

Hello,

If one is not a full time resident in Switzerland and the next time they come to enjoy a holiday home a bill is received alongside further letters of demand including late payment charges, what is the legality that the late payment charges must be paid?

The original bill was paid the moment it was received. It just so happened that it was received late due to the receivers being out of the country for a matter of months. The company are now asking for the same amount as the bill in charges.

The company was emailed and they know the situation and have offered to only do charges for half of the amount. While it appears that they are trying to be reasonable, isn't the whole premise of these extra charges unreasonable for someone who is not living in the country?
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Old 23.11.2022, 12:09
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Re: Late payment charges demands?

what kind of invoice is it?
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Old 23.11.2022, 12:14
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Re: Late payment charges demands?

.... mumbling about own responsibility to organize this yourself .....
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Old 23.11.2022, 12:43
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Re: Late payment charges demands?

Legalities? Why should a bill be due later than the usual 30 days because the owners are out of the country for two months?

No, it's not unreasonable at all. The owners are contractually responsible to pay their bills on time.
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Old 23.11.2022, 13:48
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Re: Late payment charges demands?

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Hello,

If one is not a full time resident in Switzerland and the next time they come to enjoy a holiday home a bill is received alongside further letters of demand including late payment charges, what is the legality that the late payment charges must be paid?

The original bill was paid the moment it was received. It just so happened that it was received late due to the receivers being out of the country for a matter of months. The company are now asking for the same amount as the bill in charges.

The company was emailed and they know the situation and have offered to only do charges for half of the amount. While it appears that they are trying to be reasonable, isn't the whole premise of these extra charges unreasonable for someone who is not living in the country?
Unreasonable? How is it not unreasonable for you to not pay your bills on time and cause a supplier to have to finance your extended credit? You are an adult, organise yourself to pay your bills on time.
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Old 23.11.2022, 15:36
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Re: Late payment charges demands?

Stop trolling.
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Old 23.11.2022, 21:52
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Re: Late payment charges demands?

First, as usual, check the terms and conditions of the service/goods provider.

Second, if you can reasonably expect the bill, it is your duty to see how you can pay it in good time. The only excuse would be if this bill came totally out of the blue, like a speeding ticket.
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Old 23.11.2022, 22:12
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Re: Late payment charges demands?

In future maybe organise your regular bills - I assume this is one - to be ebills which you can see and pay online.
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Old 23.11.2022, 22:26
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Re: Late payment charges demands?

If what you say is true then totally unreasonable unless already agreed.
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Old 23.11.2022, 22:35
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Re: Late payment charges demands?

Have all bills possible sent as eBills so you can access them abroad. if you are going away for more than a couple of weeks and are due bills, email the service provider to ask them to email the bill.
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Old 24.11.2022, 11:12
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Re: Late payment charges demands?

The obligation to pay starts when the contract is made.
The time at which the bill must be paid is either governed by the contract or by an overriding law which governs contracts in which a payment period is not specified.

As a general rule, although there may be exceptions, bills are payable within 30 days of being issued. And NOT within 30 days of being received.

A good solution for the future can be either, as Island Monkey suggested above, to get the bills sent to you so you can pay by e-banking. Another is to set up LSV, by which the creditors you know will charge you (e.g. rent, electricity, and so on) are authorised to take the money directly out of your account.

Another is simply to contact the people to whom you will soon owe money and pay beforehand. This an be done even if you don't know the exact amount of the bill. We once did this years ago with dentistry: the appointments were just before a trip abroad and the exact amount was not known, so we paid the dentist the bulk of the money according to his estimate, and he agreed we could settle up after our return.
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Old 27.11.2022, 23:33
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Re: Late payment charges demands?

Hi All...

Mabe I should have clarified... It was import tax on an item that we had expected to receive while still in the country. The item was delivered late and thus, the import fees also came after us leaving.
Our building manager accepted the parcel for us when we were away, so we received both the product and the bill when we got back into the country 3 months later.

The company chasing me not are 'Debitors Magament' while the original bill was from Fedex.

Original bill date 27.5.22 paid on 29.7.22
The first letter I have of them chasing for payment and adding a charge is dated 3.8.22 where they double the fee. The next day a letter was sent saying that they received our payment for the original amount but the charges were still outstanding.

Reasonably... some of us are not allowed in the country for more than 3 months in every 6 so, we were both following rules and missing the payment deadline. I also only had the invoice in hand when paying the invoice rather than letters of follow up with extra fees.

I'm wondering if they can legally force me to pay more even after I paid the original import tax bill amount the moment I got back into the country. Given the above, I find it a bit bizarre that a company acts this way.

I am responsible enough to organise my day-to-day bills. I'm not trolling. I'm not resident here and the legal systems are different in different countries. Please try not to be rude when some people are just looking for a little help and assistance on these forums... maybe that same person would be the one to leave a helpful reply to others on another matter one day.

Thank you to those who suggested e-bills etc for my usual bills - this is a helpful answer and I have done for most bills - others are organised via direct debit anyway.
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Old Yesterday, 07:16
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Re: Late payment charges demands?

The late arrival of the package is still not a valid reason for late payment. You're still in breach of contract. You could have taken all kinds of proactive action.

However, some good news. You do not have to pay the charges to the debt collect agency. You are only responsible for the original debt - plus reasonable costs, I believe, but not double! https://www.englishforum.ch/other-ge...tter-bill.html
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Old Yesterday, 09:33
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Re: Late payment charges demands?

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Hi All...

Mabe I should have clarified... It was import tax on an item that we had expected to receive while still in the country. The item was delivered late and thus, the import fees also came after us leaving.
Our building manager accepted the parcel for us when we were away, so we received both the product and the bill when we got back into the country 3 months later.

The company chasing me not are 'Debitors Magament' while the original bill was from Fedex.

Original bill date 27.5.22 paid on 29.7.22
The first letter I have of them chasing for payment and adding a charge is dated 3.8.22 where they double the fee. The next day a letter was sent saying that they received our payment for the original amount but the charges were still outstanding.

Reasonably... some of us are not allowed in the country for more than 3 months in every 6 so, we were both following rules and missing the payment deadline. I also only had the invoice in hand when paying the invoice rather than letters of follow up with extra fees.

I'm wondering if they can legally force me to pay more even after I paid the original import tax bill amount the moment I got back into the country. Given the above, I find it a bit bizarre that a company acts this way.

I am responsible enough to organise my day-to-day bills. I'm not trolling. I'm not resident here and the legal systems are different in different countries. Please try not to be rude when some people are just looking for a little help and assistance on these forums... maybe that same person would be the one to leave a helpful reply to others on another matter one day.

Thank you to those who suggested e-bills etc for my usual bills - this is a helpful answer and I have done for most bills - others are organised via direct debit anyway.
So to summarize what you are saying:

“I knew there was a parcel coming from abroad and that there was likely to be a bill for it and I further knew that I could not enter that country for three months. Knowing this I did not bother asking the building manager to forward my mail nor did I bother to arrange with the Post to forward my mail. As a result I was charged a late payment fee and I don’t think it is reasonable to expect me to have to stick to the rules like everyone else”

You are exactly the kind of foreigner we don’t need in this country and lucky for us since you come from a third country we have a way to deal with you. Ultimately we can take away your visa free travel in the Schengen Area.

Now stop acting like a child, pay your debts and arrange to have your mail forwarded so this won’t happen in future or there will be consequences that will make your life difficult in the future.
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Old Yesterday, 14:23
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Re: Late payment charges demands?

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So to summarize what you are saying:

“I knew there was a parcel coming from abroad and that there was likely to be a bill for it and I further knew that I could not enter that country for three months. Knowing this I did not bother asking the building manager to forward my mail nor did I bother to arrange with the Post to forward my mail. As a result I was charged a late payment fee and I don’t think it is reasonable to expect me to have to stick to the rules like everyone else”

You are exactly the kind of foreigner we don’t need in this country and lucky for us since you come from a third country we have a way to deal with you. Ultimately we can take away your visa free travel in the Schengen Area.

Now stop acting like a child, pay your debts and arrange to have your mail forwarded so this won’t happen in future or there will be consequences that will make your life difficult in the future.
Actually no... your summary is incorrect.
And also rude.
This is the type of reply that is not needed in these forums and I will report you.

Not that I should have to defend myself against you however please note:
-Since the item was delivered and no bill received before or with it, I did not expect to receive one.
-We received the product in April and left in April.
-Our letterbox was checked in May by family who stayed in our property (unfortunately before the bill was sent/received at the end of May)
-We returned back in July and still only had the original bill which we paid.
-We received the extra charges 3 days later after they noted that we paid the bill.

Now Jim2007... please kindly take your rude attitude elsewhere.
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Old Yesterday, 14:24
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Re: Late payment charges demands?

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The late arrival of the package is still not a valid reason for late payment. You're still in breach of contract. You could have taken all kinds of proactive action.

However, some good news. You do not have to pay the charges to the debt collect agency. You are only responsible for the original debt - plus reasonable costs, I believe, but not double! https://www.englishforum.ch/other-ge...tter-bill.html
Ok, thank you... this is helpful
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Old Yesterday, 18:04
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Re: Late payment charges demands?

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So to summarize what you are saying:

“I knew there was a parcel coming from abroad and that there was likely to be a bill for it and I further knew that I could not enter that country for three months. Knowing this I did not bother asking the building manager to forward my mail nor did I bother to arrange with the Post to forward my mail. As a result I was charged a late payment fee and I don’t think it is reasonable to expect me to have to stick to the rules like everyone else”

You are exactly the kind of foreigner we don’t need in this country and lucky for us since you come from a third country we have a way to deal with you. Ultimately we can take away your visa free travel in the Schengen Area.

Now stop acting like a child, pay your debts and arrange to have your mail forwarded so this won’t happen in future or there will be consequences that will make your life difficult in the future.
Unusually harsh, your above summary and might I be as bold to suggest very open to attacks of discrimination and what have you!
Perhaps instead of claiming the OP is “exactly the kind of foreigner we don’t need in this country”, changing the slogan to “deport all kind of foreigners we don’t need in this country” might help?
To cushion cries of “foul play” by foreigners whose naturalization processes are currently still open, retro-active reassessment of all previous cases within the last, let’s say, 10 – 20 years could make the suggestion more palatable - fair playing field and stuff...
Apart from all that, you’re right – the reasoning for not paying the invoice on time
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Old Yesterday, 18:22
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Re: Late payment charges demands?

As I now spend at least a third of my year outside of Switzerland, I‘m always concerned about the paper invoices that I might receive in my absence (despite pre-planning). For all of my potential invoicers, there is only one one that gives me cause for concern - the Tax Office. If you go into default with them, and don‘t pay (or apply for a payment agreement) within 30-days, then the results can be pretty immediate.

I learnt from this Forum, that it is possible to set up e-billing for this. So it‘s pretty much automatic for me nowadays to pay all my incoming invoices via e-billing. I just need to click to give my acceptance or not.
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Old Yesterday, 18:29
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Re: Late payment charges demands?

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As I now spend at least a third of my year outside of Switzerland, I‘m always concerned about the paper invoices that I might receive in my absence. For all of my potential invoicers, there is only one one that gives me cause for concern - the Tax Office. If you go into default with them, and don‘t pay (or apply for a payment agreement) within 30-days, then the results can be pretty immediate.

I learnt from this Forum, that it is possible to set up e-billing for this. So it‘s pretty much automatic for me nowadays to pay all my incoming invoices via e-billing. I just need to click to give my acceptance or not.
Tax office is also connected to e-billing in a lot of cities. They also send you the notification there if you get money back and will send the funds after 30 days. Really convenient.
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Old Yesterday, 19:08
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Re: Late payment charges demands?

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You are exactly the kind of foreigner we don’t need in this country and lucky for us since you come from a third country we have a way to deal with you. Ultimately we can take away your visa free travel in the Schengen Area.
Why is it that naturalised expats have this most unpleasant attitude?
Is it a requirement for naturisation? It would appear to be so by some of the remarks on this forum.


Your attitude reminds me of this joke:

A family of three were in Austria across the river from Switzerland and were told that if they could swim across, they would be given Swiss nationality.

The father swims across and is given a Swiss passport.

The mother struggles a bit in the fast flowing water but manages to make it to the other side - and is handed her Swiss passport.

Their child tries to swim across but gets stuck in the middle and starts to drown.
"Help me!" he cries to his parents.

"Oh, ignore him" says his father to his mother, "He's just a bloody foreigner!"
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