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Meddelande: <blockquote data-quote="TheLawSister" data-source="post: 373023" data-attributes="member: 6183">Hello, sorry for the late response.If you got a letter from Intrum on your Belgian address (the last part is important!), or if it is in Kivra with your Belgian address, it depends.Now Intrum, even though it seems like one big organization still needs to work based on the framework of the country they are in. In other words you have probably received the invoice from intrum.se since they have access to kivra, and intrum.be has NO access to kivra. Big difference.So intrum.se can pass it to intrum.be, or another company in Belguim for collection, but then the Belgian law will apply, so always contest it if that happens.[URL unfurl="true"]https://economie.fgov.be/nl/themas/consumentenbescherming/opkomen-voor-uw-rechten/invordering-door-een#:~:text=De%20wet%20bepaalt%20dat%20alle,ingeschreven%20incassobureaus%20op%20deze%20website.[/URL][URL unfurl="true"]https://www.mulderijbedrijfsjuristen.nl/incasso-belgie-hier-moet-op-letten/#_edn5[/URL]So the question is: How long ago did you move to Belgium?Check the interest rate that the collection agency is allowed to collect in Belgium PER YEAR (<a href="https://incasso.net/legal-interest-table-belgium/" target="_blank">https://incasso.net/legal-interest-table-belgium/</a>), so you have to count from the moment the debt was with the collection company, and it will have to be adjusted retroactively. Often the collection company wants to go for a split based on the time abroad, but unfortunately it is practically impossible sometimes, and the law here would demand the split, or non-enforceability.In short, consumer protection in the Benelux is greater, but you need to demand it by contesting. In Sweden it seems to be the opposite, as a consumer you have limited rights. Other option: apply for debt relief in Belguim: <a href="https://schuldaflossen.com/schuldsanering-belgie/" target="_blank">https://schuldaflossen.com/schuldsanering-belgie/</a>In short if the letter is from Intrum.se, don't ignore it, but it is not that important. Once it passes to an incasso company in Belgium, you should act immediately.</blockquote>

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