Legal Assistance with Payment Arrangements

Questioner

I had agreed on a payment arrangement for my overdue health insurance premium with FBTO. There would be an automatic collection for 6 months. The first went well. The second was reversed by my partner because she did not know the arrangement. I saw it and transferred it manually a day later. I thought I had complied with the arrangement. Unfortunately, FBTO put me in default a few days later for not complying with the payment arrangement and is now claiming the total amount within 7 days. Otherwise, the claim will be passed on to a third party. That is a problem because I do not have that money. I was also told that I could not make a new payment arrangement. Is their position that I did not comply with the payment arrangement by not paying by direct debit but by transferring it manually a day later correct? And could they reasonably successfully apply that position in an expensive subdistrict court procedure?

Lawyer

In principle, the insurer can claim the entire amount if you do not adhere to the payment arrangement and successfully take legal action. Furthermore, it depends on what agreements have been made about the method of payment. In general, this does not have to cause any problems. I advise you to consult with the insurer and indicate that you were unable to pay by direct debit on a one-off basis by mistake, but that the payment was made the next day. If you wish, you can contact me directly and free of charge for consultation.