I would like to pay now

If you received a notice from BVCM we have sent this by order of a creditor. To prevent a legal procedure we highly recommend you to pay as soon as possible, preferably before the expiration date of the letter. We offer you the ability to pay de demand in several easy, and safe ways.

If you are not in the financial situation to pay the demand at once you can request a payment plan. Instruction on how to request this can be found below.
 
If you have structural financial problems we advise you to contact a debt counselor. We advise you to visit this website: www.zelfjeschuldenregelen.nl (Dutch). This website provides information about debts, how you can resolve this on your own and organizations that can help and assist you getting out of your debts.

If you want to know what the current outstanding claim is you can always contact BVCM by phone, e-mail or post. We kindly ask you to always have your case number ready while contacting our office.

There is a possibility that you have fulfilled your payment whilst the notice has already been sent to you. It is also possible that you only paid a part of the demand. To check if BVCM received your payment you can get in touch with us.  

If you disagree with the notice or the demand we ask you to send us your defense, including supporting documents, by email or post.
 
We kindly ask you to include the following:
- Name and address
- Case number
- Reason why you disagree
- Supporting documents to support your claim. E.g. proof of payment, proof of cancellation.

This is depends on how you have done your payment. Generally speaking, your payment is processed within two working days. However, international transfers might take up more time. If you have doubts about your payment please contact us.

More information regarding this subject can be found on (Dutch):
https://www.zelfjeschuldenregelen.nl/alles-over-schulden/hoe-werkt-schuldhulpverlening/ 

The amount in our notice is the amount you have to pay to BVCM. This amount includes the principal sum, legal interest and collection fees. The amount of collection costs differs between private persons and business.
 
Private person:
As of the 1st of July 2012, the collection costs are determined by law. The law provides a percentage scale for determining the collection fees. This percentage is based on the principial amount.

Scale of collection fees:
 

Principle amount up to €2500	15% with a minimum of €40
The next €2 500	10%
The next €5 000	5%
The next €190 000	1%
Everything above	0.5% with a maximum of € 6.775,00

For Business:
For the calculation of the extrajudicial collection costs of companies, the general terms and conditions of the creditor are decisive for the amount of the collection costs. Usually, a percentage of 15% with a minimum of € 75.00 is used. If nothing is laid down in the general terms and conditions about the amount of the collection costs, the collection costs will be calculated in accordance with the Direct Debit Act.

BVCM offers multiple different payment solutions. Below you can find the available payment possibilities. 

Transfer:
You can transfer the outstanding amount (under the reference of your case number) to the bank account of BVCM. Please refer to the payment details below:
IBAN: NL17ABNA0624668517
BIC: ABNANL2A
ATTN: Stichting Derdengelden BVCM B.V.
 
iDeal:
You can pay BVCM through iDeal in several ways. You can use the iDeal link in the notice you have received or via the iDeal form on our website. In case you prefer receiving an iDeal link by e-mail or text message please call us.
 
GWK Travelex:
You can pay the open amount in a GWK office either by cash or card. GWK Travelex has 51 offices throughout the Netherlands, mainly located on the bigger train stations and city centers. Find an office near you on: www.gwktravelex.nl.

NOTE: You always have to do payments yourself. We do not withdraw fund from your account.

If you are not able to pay the demand at once it is, under strict conditions, possible to make a payment plan. The amount of installments depends on the outstanding amount and your financial situation. Contact BVCM by phone or email to discuss the possibilities, together with you we will then look for a suitable solution. After an agreement has been reached, we will send you a confirmation of the payment plan by e-mail or post.
 
NOTE: The terms of payment plan are set up under strict conditions. If BVCM does not receive the payment then the payment plan will be canceled. 

If you refuse to pay after multiple notices from BVCM, then we reserve the rights to start the legal procedure on behalf of our client. If you receive a subpoena, and the court comes to a verdict that you need to pay, it is most likely that you are being charged with the legal fees. If no payment occurs after the notification of judgment we can requisition your salary, bank accounts or assets. We strive to prevent a legal procedure, unfortunately, there are cases in which this situation is impossible to avoid.   

It is possible that handing over the demand and your payment to our client have crossed each other. If you send a proof of payment we will investigate what happened to the payment. You can send the proof of payment to BVCM by email.

We work for a wide variety of (inter)national clients. Our letters always contain the name of our client.

If you receive a letter or e-mail from BVCM that is not meant for you we kindly ask you to return it to the sender. If you happen to know what the correct address is please mention this on the envelope. You can also notify BVCM by email about incorrect addresses.

You have received a draft summons because we will initiate legal proceedings against you on behalf of our client. With this letter, we offer you the last opportunity to pay the claim extrajudicially. If you do not respond to this, we are unfortunately obliged to start the legal procedure. The costs for the procedure will be for your account after an awarding decision by the court.