Häufig gestellte Fragen

Collection services

Under which circumstances can SkandicInkasso be engaged?

The condition is that you have an undisputed claim outstanding. As soon as you have signed a general agreement with us, your claim can be assigned to us on-line.

How do I deliver my claims to SkandicInkasso?

Together with the confirmation of the agreement, you will receive access data to our online system. Here you can transfer the dates for the unpaid invoice.

Where can I get information of the present standing of a process

Our innovative on-line collection system offers easy and simple access to all information. Here all handling steps, messages and notes shall be interactively exchanged.

How does SkandicInkasso arrange the terms with my debtors

As the peronal contact with the debtor is very important, we try to reach the debtor by phone after having sent the collection letter. We shall clarify the payment alternatives and arrange the terms of a direct or a partial payment.

Who pays the incurred costs for the debt collection?

We calculate the charges for the debt collection procedure as per the actual compensation act. These fees are charged to the debtor together with the invoice amount. Hereby there are no costs for you.

Does SkandicInkasso institute legal proceedings?

Provided that we have not been successful with the pre legal pocedure, we offer you that we also institute legal proceedings. As you as mandator have to bear the costs for this, we must have your approval.

What is the purpose of debt collection?

Debt collection means the collection or recovering of payable demands.

Who hides under the BDIU?

The BDIU (Bundesverband deutscher Inkassounternehmen e.V.)based in Berlin regulates the guidelines for debt collection companies and is responsible for their authorization. Registered and licenced members receive assistance in case of a dispute between one another as well as with debtors.

Must a collection be sent?

A collection is stipulated only if no precise payment date (maturity)is mentioned in the invoice. In this case the collection serves to set the debtor in default. Many companies however, send by courtesy several reminders, before they hand them over to a collection company.

What is insolvency?

In case of an insolvency, there is an acute (and presumably also a permanent) payment inability, which does not allow the debtor(a company or an individual) to fulfill his obligations to the creditors.

Which amounts are included in a demand statement?

In the demand statement are listed the main demand as well as the interests and costs which the debtor has to pay to the collection agency. Already executed payments are listed and deducted from the total.

What is the base interest rate?

The base interest rate changes regularly on the 01.01 and the 01.07 per year. It is regulated by law and constitutes the basis for calculation of default interest. Therefor the variable basis interest will be raised with a fixed rate.

When can an appeal against a decision be made?

An appeal is in principle only possible, when there is an acknowledged reason for appeal. Such reasons are for example: fraudulent deception, illegal threat, explanation- or forwarding error.

Can demands be prescribed?

The earlier prescription time of 30 years is now reduced to 3 years. By legal enforcement, this period can be inhibited and shall start only after the enforcement procedure is executed.

What is an asset disclosure?

At the request of the creditor, a debtor must render an asset disclosure to the bailiff. He completes this with a statutory declaration, so that the accuracy is confirmed. An asset disclosure was earlier denoted as statuory declaration or oath of disclosure.

Can demands be temporary abandoned?

Any agreement which changes the maturity of a demand is called
a delay of payment. Payment in instalments counts to this cathegory and is frequent in debt collection handling.

What is the difference between credit ability and credit dignity

With credit ability is understood a pure legal possibility to close a credit contract with a person. This is the legal- and competence capacity of a person. Credit dignity however, values the personal potential for establishing a credit agreement.

When can a judgement be obtained?

An enforcement order is the result of an enforement decision. In the judicial collection procedure the creditor has a comparatively advantageous possibility to receive a enforcement order without a verbal court hearing and herewith obtain a court decision.

What is the Shufa?

Schufa stands for “Schutzgemeinschaft für allgemeine Kreditsicherung”. It contains a register with about 60 million germans together with appropriate creditinformation like bank account, leasingcontracts, mobile phone contracts etc. Negative notes remain 3 years in the register.

In what connection arises the question of discharge of residual debt?

The discharge of residual debt is an instrument within the insolvency law. It allows the debtor, after a period without negative behaviour and noticeable problems, to be disengaged from his debts and released from remaing payments.

Credit worthiness information

How can I obtain the information from SkandicInkasso?

For credit-worthiness requests over our on-line system, you can use the same access dates as those of the debt collection system. You will receive the results on your computer promptly. Should you have many requests, an integration of an interface will pay off. Also in this respect we offer numerous possibilities.

What is scoring values (ConCheckScore)?

The displayed scoring values lie between 1,0 and 6,0, where 1,0 means very good credit rating and 6,0 bad credit rating. Between 3,0 and 6,0 there are concrete negative marks. Hereunder it is a question of estimated plausibility values.

Which advantages offers a good risk management?

With a properly functioning risk management, you can separate the good from the bad and decide if your newly aquired customer is likely to pay his invoices. If not, the suggestion of a different way of payment can prevent a potential loss.

From what sources originate the information?

We obtain our data largely from the company Bürgel and of course also from our own data bank.

When do negative remarks exist?

Negative remarks in the credit worthiness check exist, when the debtor for example has an on-going collection procedure, has handed in a statutory declaration or is in insolvency.