Our questions and answers collected in an archive

Installment payments can be made both with and without interest. In connection with a credit agreement, the lender must provide information about the interest rate applicable to the installment payment. The loan’s effective interest rate must be stated in marketing, in pre-purchase information, and in the documentation of the agreement. In the agreement, the credit...

You always have the right to pay off parts of or the entire debt before the agreed due date (settle the debt). If you choose to settle, you should then pay interest and other costs for the credit for the time up to the early repayment but not for the time thereafter. The lender may...

The operator has the right to perform a credit check before entering into a binding subscription agreement with you. After the credit check, you should receive a written notice sent home about what information has been disclosed. You receive it automatically and free of charge from the credit reporting company that provided the credit report.

Some operators offer you who are disabled to have the bill read aloud by customer service or in Braille. Check with your operator what options are available.

Primarily, you should contact the payee (operator) if the direct debit does not work. You can also contact your bank if you want to complain about the direct debit not working.

To stop a payment, you can contact the payee or your bank. If you have access to the bank’s internet services, you can remove your direct debit authorization before the payment is executed. If you are switching operators, you should contact the operator who is the payee and inform them that the authorization should be...

If there is a lack of funds when the withdrawal is to be made, there are three different options for what happens: A new withdrawal is made the day after the due date, a payment slip is sent to you or, the amount is doubled at the next payment occasion. Check with your current payee...

You can check with your bank which account is most suitable to connect. If you sign up for direct debit authorization via your online bank, you will receive a list of the accounts you can use. The bank usually also approves that shared accounts, that is, accounts managed by several account holders, are connected to...

The provisions of the law are mandatory to your advantage as a consumer. This means that the supplier cannot have contractual terms that give you less protection than the law states. However, it is permitted to waive liability for loss in business activities.

The supplier has extensive responsibility for damages arising due to errors or delays in the fiber installation. However, it is important to point out that it is you as the consumer who must be able to demonstrate the economic damage you have suffered due to the error or delay. The compensation you believe you are...

There are various reasons for not paying a bill. You may, for various reasons, miss paying it or have difficulty paying a bill. If you have difficulty paying a bill, you can contact the operator and explain your situation. There may be an opportunity to agree on a different payment plan, subscription form, or the...

If you do not pay an invoice, it may mean that you receive a payment reminder or that the invoice goes to collections. According to the law on compensation for collection costs, a company has the right to add 60 kronor for a payment reminder and 180 kronor for collection costs. If you still do...