Maksuhäiriöehdot

Maksuhäiriöehdot refer to the conditions or criteria that lead to a record of payment default being entered into a credit information system. In Finland, this typically refers to the conditions under which a consumer or business is deemed to have a payment disturbance. A payment disturbance is registered when a consumer has failed to pay a debt despite receiving reminders and payment demands, and the debt remains unpaid. This can occur if the debt has been transferred to a debt collection agency or has been subject to enforcement proceedings.

The primary purpose of recording payment disturbances is to inform potential creditors about the payment behavior of individuals or businesses. This helps lenders assess the creditworthiness of an applicant and make informed decisions about granting loans or other forms of credit. A registered payment disturbance can significantly impact an individual's ability to obtain credit, rent an apartment, or even secure certain types of employment, as it signals a past inability or unwillingness to meet financial obligations.

The exact conditions for registration are governed by Finnish law, specifically the Credit Information Act. Generally, a debt must be undisputed and have remained unpaid for a specified period after the due date and after reasonable attempts to collect it have been made. The individual or business is typically notified before a registration is made, providing an opportunity to rectify the situation. Once registered, a payment disturbance remains on a person's credit record for a set period, usually several years, after which it is automatically removed.