Unresolved debt

The Debt Collection Agency has debt items registered that we are not sure that we are permitted to collect. We call this unresolved debt. We do not collect the debt until we have made sure that the debt items are not barred by limitation and that we may collect the debt on the basis of the information we have. If we are to examine the information about the debt items in more detail, this may be because we, for example:

• Do not know when the debt was incurred
• May have been sent the same debt item for collection in several instances
• Are in doubt as to whether the amount has been calculated correctly.

Yes, as a general rule interest is accrued on unresolved debt. You can read more about what is required to freeze the interest under ‘How do I achieve an interest freeze on my unresolved debt?’.

Yes, you can make payments. However, it is not certain that we can legally use your payment to reduce the debt. We may only do this once we have made sure that the debt items are not barred by limitation and that we may collect the debt on the basis of the information we have. You can read more about this under ‘What happens if I make a payment to cover my unresolved debt?’.

If you would like to pay off your unresolved debt, you can call us on +45 70 15 73 04 to find out:

• The size of the debt
• How you can make a payment
• What happens when you have made payments to cover unresolved debt.

As a general rule, we have 12 months to find out whether we may use your payment to reduce the debt. If we cannot meet this deadline, you will get your payment back, unless you have other debt which the payment may be used to pay off.

As a general rule, you will only hear from us if we return all or part of your payment to you.

If your payment has been returned to you, this may be because we have found out that your unresolved debt was barred by limitation, or because we have not been able to clarify within the 12-month deadline whether we can use your payment. This will be stated in the letter you have received from us.

It will still be registered with the Debt Collection Agency that you may have unresolved debt to the public sector, unless the debt was cancelled, for example because it was barred by limitation.

If you have received a letter from the Debt Collection Agency stating that we are returning your payment to cover your unresolved debt and you do not recognise the payment, this may be because you paid too much when you paid off other debt items.

We cannot always examine debt items within 12 months, because even a single debt item can be difficult to manage. In addition, the individual debt item is part of a very large clarification process concerning more than 15 million debt items.

Yes, when you get your payment back, you will also receive an interest reimbursement. We calculate interest on the part of your payment that you get back. The calculation is made for the entire period in which we held your payment.

In some cases, we stop the calculation of interest on your unresolved debt. We do this if you have paid in a large amount on your unresolved debt, which we have not been able to clarify whether we can use within 12 months. This will be the case if at least DKK 1,000 of your payment cannot be used to pay off your unresolved debt. In such case, interest will no longer accrue on your entire unresolved debt at the time of your payment. If we return all or part of your payment, you will receive a letter from us.

Interest will accrue on the unresolved debt once again if we find out that you have to pay the debt. You will hear from us before we start to charge interest again.

If you have unresolved debt that presents challenges for you, you are welcome to call us on +45 70 15 73 04, so we can guide you about your options.

We can help you with documentation that your debt is unresolved, and that we therefore as a general rule may not use your payment to reduce the debt.

In special situations, we can use your payment to reduce your unresolved debt, even if we have not examined it. This requires you to:

• Accept that your payment will be used to pay off the debt, even if there is a risk that the debt items are barred by limitation or are otherwise not sustained
• Inform us about how your unresolved debt presents challenges for you, as we must make a specific assessment of whether consideration of your particular circumstances may compensate for us accepting payment to cover debt that you may possibly not have to pay. We thereby take account of whether the debt is a significant and irreparable disadvantage for you.

For example, the particular circumstances may be:

• Gaining approval of a loan from a bank or mortgage credit institute
• Gaining a licence to serve alcohol
• Obtaining Danish citizenship or permanent residence
• Gaining employment subject to the condition of having no debt subject to recovery
• Closing a limited liability company
• The debt is a particular personal burden

The list is not exhaustive, and whether we can accept your payment to cover unresolved debt will depend on an assessment of your particular circumstances. The case processing time is up to three months. Depending on your particular circumstances, we can process the case faster.

At a later time, we will review the unresolved debt that you have paid, and if it turns out that you should not have paid off the debt, you will get your money back.