B2C debt collection (B2C-inkasso)
Also known as consumer debt collection, business-to-consumer collection, private debt collection, b2c-inkasso, forbrugerinkasso, privat inkasso
B2C debt collection is recovery from consumers — with stricter rules on what may be charged and how the debt may be pursued.
- Compensation fee
- May not be charged
- Interest
- No higher rate may be agreed
In practice
Towards consumers, the statutory rates are ceilings that cannot be negotiated. The compensation fee of 310 kr. may not be charged, and no rate of interest higher than the statutory one can be agreed.
In return, a consumer rarely goes bankrupt. The claim survives, and with a judgment it survives for ten years — which makes monitoring a genuine strategy.
The risk lies elsewhere: debt restructuring (gældssanering), where the probate court can cut the debt down or remove it altogether.
Where it commonly goes wrong
- Using your B2B template on a consumer. You then charge a fee you are not allowed to charge, and that is a breach of good debt collection practice (god inkassoskik).
- Calls are made at hours that are not acceptable. Good collection practice covers phone calls too, and a complaint costs more than the claim.
- You write to a consumer at their workplace. It is one of the surest routes to a case with the regulator.