incassomeldingen

Incassomelding is a formal debt-collection notification used in the Dutch debt collection process. It is typically issued after a debtor has not fulfilled payment obligations following previous reminders. The notice is sent by the creditor or a collection agency and informs the recipient that a debt remains outstanding, requesting payment by a stated deadline and outlining possible next steps if the debt remains unpaid.

A typical incassomelding includes the creditor’s and debtor’s details, a reference to the original invoice or contract, the total amount due (including any interest and allowed extrajudicial collection costs), and clear payment instructions. It may also indicate the potential consequences of non-payment, such as escalation to court action, and provide information about any settlement options or payment plans. The notice often references the extrajudicial collection costs permitted under Dutch rules, governed by the Wet incassokosten and the Besluit vergoeding buitengerechtelijke incassokosten.

The legal framework for incassomelding emphasizes accuracy and fairness. Collectors must comply with civil-law debt collection practices and privacy rules under the GDPR. Debtors have the right to request substantiation of the claim, obtain copies of relevant documents, and dispute or negotiate the amount or terms of payment.

Debtors should respond promptly if they believe the claim is incorrect or if they need a payment arrangement. Creditors should ensure the claim is accurate, keep records, and use respectful, non-threatening communication. If the debt remains unresolved, further enforcement steps or court proceedings may follow.