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Chased by German Debt Collection Company


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Hi folks,

 

In need of some advice here. I studied in Germany for a year until August 2011. While there I had a contract with Kabel Deutschland for my internet. When I left (I live in Ireland) I posted off my modem as instructed. Out of the blue, in May, I received a letter from a collections company claiming I owed them and KD €500. All the letters I receive are in German btw and my German isn't what it was.

 

What I think happened is that my contract (which was about €20 p/m) ran until August and I closed my bank account before paying the final instalment.

 

Anyway, my first response was "No ****ing way I'm paying", because I couldn't afford it and also the principle of it, so I ignored their letters (which weren't sent registered). But now the monthly letters are taking their toll and I'm beginning to wilt as the thought of this hanging over my head isn't a nice one. Plus I would like to live in Germany again. The last letter I received in August was notification of legal action, from what I gathered.

 

For the record, two other people I know had this happen to them, both paid.

 

Any advice is welcome. Thanks.

Edited by TP87
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Take the threats of legal action with a pinch of salt. My understanding is that debts in Germany cannot be enforced in Courts after 3 years of non payment or written admission to owing the debt. So after 3 years, it may not be on any record in Germany. So it depends on when you are looking to return.Suggest that you send them a letter explaining your position. i.e when you moved out, that you returned the modem as instructed. Ask them for proof that the debt exists and advise them that you think they have made a mistake.

We could do with some help from you.

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  • 2 weeks later...

Thanks for your reply. I'd be looking to move around a year from now.. My only concern's if I was to move would be to rent an apartment, open a bank account etc. I would never be looking for proper credit. If it was any other country I wouldn't really give a toss but Germans being Germans can be very particular about certain things and I know do credit checks for apartments.

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Thanks for your reply. I'd be looking to move around a year from now.. My only concern's if I was to move would be to rent an apartment, open a bank account etc. I would never be looking for proper credit. If it was any other country I wouldn't really give a toss but Germans being Germans can be very particular about certain things and I know do credit checks for apartments.

 

So check your German credit record to see if there is anything on there.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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You can do that here : https://www.meineschufa.de/index.php?site=13_2 It`s only in German though and costs Euro 18.50.

 

German debt collectors are just as bad as our home grown variety, but at least they don`t kidnap your children until you pay up :

 

http://www.bbc.co.uk/iplayer/episode/b01ncbyn/Welcome_to_India_Episode_2/

 

 

The worst that will happen is that you will have trouble getting credit again in Germany. Did you actually cancel the contract or just send back the modem? Most contracts in Germany will roll over automatically, so your bill may be mounting.

Edited by CHRIS44G
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We were in student dorms and were introduced to a KD rep who sorted everyone out with the 12 month contracts, so we were instructed to write to them a few weeks before instructing them to cancel our contract on a certain date and return our modems by post. I did it pretty much exactly as a mate of mine did who had no trouble at all. I know two others who had been caught out and paid up. Obviously I did something wrong, not cancelling in time or whatever.

 

Having gone through the posts on here I feel somewhat reassured. I could care less about my credit rating in Germany to be honest as I can't ever see myself looking for credit there. I know they look at your SCHUFA when opening a bank account although I assume it's for future reference if you look for a credit of some sort?

 

And it's no longer with Kabel Deutschland, it's with some Collections company so I can only assume that having not got any response from me KD sold my debt to them?

 

Thanks for the input btw.

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