{"product_id":"vragen-39399-hello-i-have-a-question-regarding-an-incasso-company-claiming-a-debt-from-3-years-ago-while-wor","title":"Debt collection problems? Discover your rights","description":"\u003ch4\u003e Questioner\u003c\/h4\u003e\n\n Hello,\n\n I have a question regarding an 'Incasso' company claiming a debt from 3 years ago. \nWhile working in The Netherlands (I don't work nor live there anymore ) I had a service (which I thought it would be covered by my insurance). I've never received any invoice nor request to pay any amount. After 4 months I moved out to a new address but kept my mail forwarded for a few months. Still haven't received anything from that company.\n 3 years later I received an email from an 'Incasso' company asking to pay, in 5 days, the alledged debt plus fee and interests (a little over 1000 € in total) or they threatened me with legal actions.\n If I own any money, I'm willing to pay, but, because the company didn't send any invoice nor tried to reach me by email (which I would've get), I don't want to pay an Incasso's company fairy.\n Could you please tell me what are my rights?\n Do I really have 5 days?\n It is worth to present this to a lawyer or go through legal actions for that 'small' amount of money? \nHow do I know, if I pay, that the Incasso company is really working for the company that provide me the service? (I contacted that provided me the service but after a few days I had no answer so far).\n\n Thanks!\n\n\u003ch4\u003e Lawyer\u003c\/h4\u003e\n\n The debtor is responsible and has to present a relevant address or e-mail address. If you lack this information 'limitation' limitation period of 5 years will not commence. Therefore I recommend not to start a legal procedure in this case. If you are living in Europe an international procedure of debt collection is easy.\n\n\u003ch4\u003e Lawyer\u003c\/h4\u003e\n\n One thing that may be worth pursuing a bit further, is the fact you say you never received an invoice or reminder when you still lived at the old address. You could ask when the company sent you the invoice and reminders and to which address. Also you should ask them to prove that those letters, if sent at all, were received by you or at least delivered to that address. Probably the company can't prove that, which would be a good reason for you not having to pay the extra fees.\n\n","brand":"Rechtswinkel.nl","offers":[{"title":"Default Title","offer_id":55015918109021,"sku":"","price":0.0,"currency_code":"EUR","in_stock":true}],"url":"https:\/\/www.rechtswinkel.nl\/en\/products\/vragen-39399-hello-i-have-a-question-regarding-an-incasso-company-claiming-a-debt-from-3-years-ago-while-wor","provider":"Rechtswinkel.nl","version":"1.0","type":"link"}