It is not irrelevant, how you pay for your purchases. The consumer’s position in different problem situations is dependent on, for example, whether the purchase was paid in advance. It is also important to be prepared for situations where the means of payment is lost, the invoice contains errors or you run out of money. .
Advance payment always poses a risk
The larger the purchase, the more advance payment contains risks. However, it is not always possible to pay the invoice after the goods are delivered and can be inspected, or the service has been provided. You should use a credit card in these cases, as you can reclaim the payment from the credit card company if the company does not deliver the purchase or it is defective. if you have paid for the purchase using your card's debit function, you can claim reimbursement in problem situations also from the card company if this is stipulated in the card's terms and conditions or the company otherwise undertakes to reimburse the cost.
If your means of payment is lost, act promptly
The card holder’s responsibility for the use of a payment card usually ends when they have informed the credit provider or an operator indicated by it of the loss of the card. If you lose your mobile phone, close the subscription immediately either by using the operator’s self-service system or by contacting the customer service. Closing the subscription may not necessarily prevent the unauthorised use of the payment application, so report the loss immediately to the payment service provider issuing the card attached to the payment application or to the service provider of the payment application. If you do not immediately report the loss or if you are found to have neglected the safety risks involved in the means of payment, you may be required to compensate any costs arising from the unauthorised use of the means of payment.
Lodge a complaint about debit or credit card charges made without your consent
If you notice debit or credit card charges on your bank statement that have been made without your consent, you can file a complaint with the company that charged your account as well as your payment service provider, such as a bank or credit card company. You can use the help of the Complaint Assistant. The payment service provider must return the undue charges to you if the charge was made without your consent and you did not cause the charges with your own negligence. If you think that an invoice is unjustified, you can refrain from payment until the matter has been settled. if the invoice is only partly unjustified, pay the undisputed part on the due date.
An invoice must be recognisable as an invoice
The invoice must clearly state the amount and due date, as well as what is being invoiced, the invoicer’s contact details and a mention of the consequences for default, such as the collection of a payment reminder fee. The invoice and attachments must be such that they are easily recognisable as an invoice. Offers or advertisements must not look like invoices.
Later due dates can be negotiated for invoices
If you cannot pay an invoice on the due date, contact the sender of the invoice immediately and negotiate a later due date. Even if the invoice has already been transferred to a collection agency, you should be active and contact the creditor or collection agency. It is better to try to negotiate a new payment schedule than allow the late payment and collection costs to build up. If you cannot pay all invoices on the due date, pay them in order of importance: first, living expenses, or rent or maintenance charge, electricity and water. Next, other necessary expenses, such as food, telephone, day care, insurances and medicines. Finally, pay the rest of the invoices. Sometimes your finances can be in such a tangle that you need help. You can always seek help from a financial and debt adviser or the Guarantee Foundation.
Payments, invoices, debt collection