Unjustified invoice, card charge or collection

The invoice contains an error

If the invoice is completely without foundation it can be left unpaid until its veracity has been investigated.

If the consumer feels that only part of the invoice is without foundation, the undisputed part of the payment must be paid on the date that it is due.

I have received an invoice without having made an order

A bill alone is not enough for claiming receivables. The sender of the bill must be able to show that it is based on a contract.

If a consumer can reasonably assume from an advertisement or a sales pitch that they are only ordering a sample pack or subscribing to a service for a trial period, then they have not entered into an agreement on further deliveries.

In ambiguous situations the responsibility for demonstrating that the order was accepted lies with the company.

The invoice concerns a sale made with a minor

If your child has made a purchase that he or she should not have been allowed to make, the seller is responsible. As a parent and as your child's guardian, you can demand the cancellation of the transaction.

Without a parent's or guardian's consent, a minor can only buy ordinary products of small significance, such as pocket money purchases of reasonably priced products of the kind others in his or her age group generally buy. A pet, travel abroad, or a tattoo are examples of purchases that cannot be made without a guardian's consent.

Children 15 and over can make more significant purchases using their earnings, such as pay from a summer job, but may not buy on credit.

Jag har betalat fakturan

Collection costs can only be charged if an invoice or other reminder of due date was sent about the receivable at least 14 days before its due date, and the invoice was due at least 14 days before the payment reminder was sent.

In unclear cases, the vendor is under obligation to prove that a certain price has been agreed upon and that a contract binding the consumer actually exists.

The payment service provider (such as a bank of credit card company) must prove that you have accepted the transaction in question.

Maksupalveluntarjoajan (esim. pankin tai luottoyhtiön) on osoitettava, että olet antanut suostumuksesi kyseisen maksutapahtuman toteuttamiseen.

In unclear cases, the vendor must be able to show that a contract has been made and that the charge is justifiable. The payment service provider (such as a bank of credit card company) must prove that you have accepted the specific transaction in question.

Simply referring to the standard terms and conditions of an agreement is not sufficient to rectify inconsistencies in marketing. For example, if a consumer can reasonably assume from an advertisement or a sales pitch that they are only ordering a sample package or subscribing to a service for a trial period, then they have not entered into an agreement on further deliveries.

You cannot be required to return a product for which you have not placed an order. Any fees relating to the return of a product shall be paid by the company. For example, you may request that the company sends you a return envelope for which postage has been paid.

In unclear cases, the vendor must be able to show that a contract has been made and that the charge is justifiable. The payment service provider (such as a bank of credit card company) must prove that you have accepted the specific transaction in question.

Simply referring to the standard terms and conditions of an agreement is not sufficient to rectify inconsistencies in marketing. For example, if a consumer can reasonably assume from an advertisement or a sales pitch that they are only ordering a sample package or subscribing to a service for a trial period, then they have not entered into an agreement on further deliveries.

You cannot be required to return a product for which you have not placed an order. Any fees relating to the return of a product shall be paid by the company. For example, you may request that the company sends you a return envelope for which postage has been paid.

Debt collection is unjustified

If the entire invoice is unjustified, you can leave it unpaid until its correctness has been established. If you consider only part of the invoice to be unjustified, the undisputed part must be paid by the due date.

If you dispute your obligation to pay and can present proper grounds, debt collection of an ex gratia payment may not be continued as to the disputed part until the matter has been settled.

However, debt collection may be continued despite the debtor's objections unless you can present grounds for denying it or you refer to factors which clearly have no bearing on the obligation to pay. However, the debtor can at any stage request that the dispute be settled by a court of law.

I have not bought the item that is now subject to debt collection

A mere invoice is never the grounds for a receivable. Invoicers must be able to prove that their invoices are based on an agreement that is binding to the consumer.

If you dispute your obligation to pay and can present proper grounds, debt collection of an ex gratia payment may not be continued as to the disputed part until the matter has been settled.

However, debt collection may be continued despite the debtor's objections unless you can present grounds for denying it or you refer to factors which clearly have no bearing on the obligation to pay. However, the debtor may request that the dispute be settled by a court of law.

Perinnässä on aiheutettu tarpeettomia kustannuksia

According to good debt collection practices, unnecessary debt collection measures include:        

• lengthening letter collection unjustifiably by sending the consumer too many payment demands. For sending more than two payment demands, there must be some special collection-based reason.    
  
• continuing collection by letter without examining the consumer's justified arguments or dependable explanations about inability to pay. A collection agency has the responsibility, without being prompted, to check the soundness of the receivable for example when the creditor has stayed passive for a long while or the debtor is underage.       

Maksuvaatimus koskee alaikäisen kanssa tehtyä kauppaa

Minors can generally only buy things with cash. Minors cannot buy on credit, which is why a minors cannot generally be the subject of debt collection proceedings.Traders bear the risk of the invalidity of agreements with minors.

If a minor has, considering the child's development, made a purchase without consent from the parents or on credit, the parents can demand that the sale be cancelled.

However, minors may find themselves in situations in which they are obliged to pay. These may include, various public charges such as hospital and medical fees and taxes. Over 15-year-olds may end up with a payment obligation as a result of a compulsory motor liability insurance premium, public transport inspection fee or a fine.

Once minors reach adulthood, they will only have to pay a debt they incurred without the appropriate authorisation if they accept the debt.

I have paid the invoice

Vaadin lopettamaan perusteettoman laskutuksen

If the entire invoice is unjustified, you can leave it unpaid until its correctness has been established.

If you dispute your obligation to pay and can present proper grounds, debt collection of an ex gratia payment may not be continued as to the disputed part until the matter has been settled.

If you can present no grounds for disputing the invoice or your grounds clearly have no bearing on your payment obligation, debt collection can nevertheless be continued. However, the debtor can at any stage request that the dispute be settled by a court of law.

I demand that invoicing be stopped as regards the unjustified sum

If the entire invoice is unjustified, you can leave it unpaid until its correctness has been established.

If you dispute your obligation to pay and can present proper grounds, debt collection of an ex gratia payment may not be continued as to the disputed part until the matter has been settled.

If you can present no grounds for disputing the invoice or your grounds clearly have no bearing on your payment obligation, debt collection can nevertheless be continued. However, the debtor can at any stage request that the dispute be settled by a court of law.

I demand that you refund the amount that was charged unjustifiably

If you have paid an unjustified or excessive invoice, the company receiving the payment is obliged to refund you.

• If the error was caused by the consumer's carelessness, the company may charge any reasonable costs caused by making a refund. 
• In case of long-term agreements, any excess amount can, if the consumer so wishes, be offset in the next invoice.
  

The consumer’s responsibility for card use generally ends latest when he has informed the payment service provider (such as the bank) or other party named by the bank that the card has been lost or it has been used without authorisation.

If your payment card has been used without authorisation and you are not responsible for its use, the bank must refund the payment amount to your account immediately and at the latest on the next working day after the bank noticed the payment or it was notified of the payment.

If your payment card has been used without authorisation and you are not responsible for its use, the bank must refund the payment amount to your account immediately and at the latest on the next working day after the bank noticed the payment or it was notified of the payment.

Vaadin perusteettomasti perityn summan palauttamista

Any excess payments made by the debtor must be returned free of cost if the debtor's payment was due to an error of a creditor or a professional collection.

If you dispute your obligation to pay and can present proper grounds, debt collection of an ex gratia payment may not be continued as to the disputed part until the matter has been settled.

However, debt collection may be continued despite the debtor's objections unless you can present grounds for denying it or you refer to factors which clearly have no bearing on the obligation to pay. However, the debtor can at any stage request that the dispute be settled by a court of law.

Vaadin lopettamaan perusteettoman summan perinnän

If you dispute your obligation to pay and can present proper grounds, debt collection of an ex gratia payment may not be continued as to the disputed part until the matter has been settled.

However, debt collection may be continued despite the debtor's objections unless you can present grounds for denying it or you refer to factors which clearly have no bearing on the obligation to pay. However, the debtor can at any stage request that the dispute be settled by a court of law.