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  1. U

    Skatteåterbäringen 2025, vad tror ni?

    Weird, tax office says it was paid out on Saturday but nothing yet on Nordea
  2. U

    Skatteåterbäringen 2025, vad tror ni?

    Få tillbaka 40957! Wohoooo
  3. U

    Bor i Kanada med svenska obetalda lån. Kommer dom komma efter mig

    Jag går igenom samma sak. Skulle också vilja veta om de kommer efter mig i Kanada.
  4. U

    Löneutmätning

    Nej, jag förstår verkligen hur det känns, och det är verkligen sorgligt att barnet kanske förlorar sina hästar. Men Lassemans svar är alltid hysteriskt träffsäkra. Vi sitter alla i samma båt med dessa dåliga lån, och var och en av oss har förlorat något viktigt för dem. Tänk dig att behöva vakna...
  5. U

    Ferratum, höjning?

    De kommer att ringa för att fråga om när du kan göra betalningen, de är okej kommer du att betala båda fakturorna nästa månad. Så länge du inte har några obetalda fakturor så borde det fungera bra att be om höjning.
  6. U

    Påminnelse Bank Norwegian, när inkasso?

    De kommer inte att skicka något till inkasso ännu. I mitt fall hotade de bara med att skicka till inkasso på 4:e fakturan efter att ha varit 3 månader efter.
  7. U

    Nstart - Låna pengar 10.000-50.000

    Bad move, they are big idiots. They will initially do their best not to grant you their shitty loan and try to reject you for the smallest reason, if they don't find anything they'll ask you to get a co-applicant. Also their loan is not there to help you, they will suck your blood with their...
  8. U

    Har flyttat till Nederländerna

    Servicemen from Kronofogden will definitely pay your mom a visit, if she lets them in, they will start putting prices on everything they find inside.
  9. U

    Varning för Nstart!

    Of course, in the world of debts everyone is a villain in a way or another, you'd be crazy to think they're here to help you get rid of debts. they're all blood suckers.
  10. U

    Nordax brev lån

    Just a credit check trap. The goal is to fuck up your credit score, not to grant you a loan. The lower your credit score, the more you're stuck with you current loans with shitty interest rates. The lower your credit score, the more it's justifiable for them to give you the shittiest interest...
  11. U

    Hjälp, överbelånad.

    I have a loan of the same size with Bang Norwegian too, except that mine has 27% effective interest rate instead. I've been paying 7800 SEK per month for more than I year and the debt hasn't decreased even by a tiny bit. Recently my finances got ruined because I ended up taking more loans, and I...
  12. U

    Då var det dags

    I work in IT as well. Living a nightmare-ish experience with loans and one of my loans ended up with KF recently. My salary is 57000 before taxes but my loans eat up most of it every month and I'm tired of this. Been thinking about running a consulting firm too, I'm very good at what I do. Hit...
  13. U

    Någon med erfarenhet av Collecti?

    Applied yesterday, these guys will be my last chance to avoid a huge disaster in my life. If they actually help I'll be grateful forever and make sure to never break my finances again. I just need that little push... Let's see how it goes...
  14. U

    Nstart 10.000-50.000 lånet

    Applied three times, same experience. They always find the funniest reasons to disapprove the loan. A bunch of clowns, but we are clowns too for putting ourselves in shit situations with loans...
  15. U

    Faktura från expresslån, vad göra?

    Received 3 invoices from them, sent them an email saying I'm not paying any of them and that I never used their website to apply for a loan. They replied back asking for payment. I never paid and it's been 6 months already, nothing happened. They are pure scammers, and they know what they're...
  16. U

    Snöbollsmetoden?

    After reading all the informative comments in this post, I have decided to use the "Identify" method. I now identify as a debt free person. That's what I'm gonna tell the banks and KFM from now on.
  17. U

    Bristningsgränsen nådd, måste berätta allt.

    I'm in the same seat and I did the same thing with my salary last month. I gambled it all away to zero on crypto. I was ashamed do death and decided I'm never touching crypto again. Now I'm done with crypto forever but it's already too late. This months salary went entirely into paying previous...
  18. U

    Känner mig Hopplös

    I would say stop trying to get a loan for now, you're only gonna ruin your credit score. You're not in a bad position at all, keep up with the payments for now and try to minimize your expenses and most importantly, stay away from any loans for 3 years as the previous comment mentioned. When you...
  19. U

    Indrivning av skulder i utlandet - Utlandsbosatta med skulder i Sverige

    That's what I will probably end up doing. I tried talking to my creditors by sending emails and explaining what I'm going through and asking for any kind of help or payment relief or anything, all I get back is dismissive replies that don't address anything I wrote in the email. They say if you...
  20. U

    Feeling lost... any advice?

    Wow, that's inspirational man! You've really come a long way indeed! Really proud of you and I hope you never go back to the old habits again. I will fight as hard as I can too. Finding a second job may not be an option for me, I don't speak any Swedish and my primary job already comes with all...
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