Help in English (samlingslån & kronofogden)

[Taylan]

Hey guys
1 Year before i start pay to Kronofodgen an still paying.
Kronofodgen : Start pay 20.12.2019 / Lån was 36.811KR / Now its 16.057KR/ ( I totaly pay 35.000KR)
Gothia Inkasso : Start pay 20.12.2019 / Lån was 78.380KR / Now its 98.400KR / ( Itotaly pay 0 KR)
TOTAL 12 MONTH BEFORE: 115,220kr
AFTER I PAY 12 MONTH : 114,457kr
Total pay : 35.000kr

I send mail to Gothia inkasso to send my lån kronofodgen and they send me paper to they will send to kronofodgen but they didnt send and its been 1 year.
When i count it say i pay only 700Kr. So in 1 year i pay 35.000Kr but because of gothia my låns didnt move at all.
Im paying 3.300 Kr every month.

I have no idea why its working like this. I stop play casino games for 1 year and i do speal paus again so i will not play for 2 year.
I know i do mistake really big mistake and i want to fix it but its not working so well...
I was hoping that the money will go down so i can be dynamic to work and pay what i have but the total payment never moved.It just staying like it is. Its like im not paying and i really dont know why. :/
Im not winnig so much after corona and i have no money in my pocket.And still im paying every month and its not working well :/
What can i do guys ? Anything ?

 

[Taylan]

I call Gothia Inkasso they say if i want they will do it but the amount will always rise up and its better if you pay us.

 

[BeritBubbla]

I call Gothia Inkasso they say if i want they will do it but the amount will always rise up and its better if you pay us.

Im sorry to hear about your situation. Of course gothia will say that, every penny of interest is a win for them.

Does kronofogden collect money from your salary on a monthly basis, so called utmätning?

If they do, it’s better for you to have all your debt at kronofogden. Then the amount they collect from your salary will split between the creditors. Problem is if the interest is high, your salary might not cover it and the total debt will increase no matter what.

In that case it could be an option to call the other creditor, explain the situation and ask if they can establish an installment plan and that you pay a certain amount to them each month instead of kronofogden.

If they agree, that is definitely the best option.

Sorry if my English is bad. Hope you understand.

 

[BeritBubbla]

And if they agree, see if you can renegotiate or even freeze the interest!

 

[Taylan]

Im sorry to hear about your situation. Of course gothia will say that, every penny of interest is a win for them.

Does kronofogden collect money from your salary on a monthly basis, so called utmätning?

If they do, it’s better for you to have all your debt at kronofogden. Then the amount they collect from your salary will split between the creditors. Problem is if the interest is high, your salary might not cover it and the total debt will increase no matter what.

In that case it could be an option to call the other creditor, explain the situation and ask if they can establish an installment plan and that you pay a certain amount to them each month instead of kronofogden.

If they agree, that is definitely the best option.

Sorry if my English is bad. Hope you understand.

Hey thanks for your answer.
Yes they does take from my salary.
¨
I was thinking to finish my deft at kronofodgen then call gothia inkasso to start pay them after im done with kronofodgen so i dont have my name out.

 

[Taylan]

I wonder if any website can give me lån ? Because if they give me with lower tax rate then i can pay better i gues ?
Because im paying for 1 year every month about 3300Kr and the total debt about 115.000Kr

 

[Doodles]

You can use the ”jämkning ” and pay more quicker. This way You Will be depth Free sooner.