{"id":5816,"date":"2017-08-17T12:00:00","date_gmt":"2017-08-17T10:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/uwazaj-na-firmy-windykacyjne-zadajace-splaty-starych-dlugow\/"},"modified":"2025-01-31T18:05:52","modified_gmt":"2025-01-31T18:05:52","slug":"beware-of-debt-collection-companies-demanding-repayment-of-old-debts","status":"publish","type":"post","link":"https:\/\/pmr-restrukturyzacje.pl\/en\/beware-of-debt-collection-companies-demanding-repayment-of-old-debts\/","title":{"rendered":"Beware of debt collection companies demanding repayment of old debts"},"content":{"rendered":"

Debt collection agencies buy up time-barred debts, counting on the naivety of debtors. Some of them pay them for peace of mind, others don't react until the bailiff knocks on the door. How to defend yourself against this? PMR Restructuring Company<\/a> has prepared a practical guide for consumers.<\/p>\n

Debt trafficking is a very profitable business, with debt collection companies buying up time-barred claims for next to nothing and demanding that unsuspecting customers pay the debt in full with interest. It also happens that the claims are unsubstantiated and yet we get a letter demanding payment of a debt we never incurred.<\/p>\n

1. not a debtor? Don't throw the letter in the bin<\/b><\/p>\n

If you have never had contact<\/a> with the alleged creditor or you are sure that you do not owe them any debt, the natural reflex is to throw the letter in the trash. However, consumer rights experts warn against this.<\/p>\n

- If you receive such a demand for payment, you should request in writing from the debt collection company an explanation of the contract on the basis of which it is asserting its claim. It could be that a consumer's ID was once stolen and someone used their details to sign a contract,\" warns \u0141ukasz Peryt of the Office of the Municipal Consumer Ombudsman in Szczecin. - If the debt collection company does not want to explain this, you can ask for help from the municipal consumer ombudsman, who will, on behalf of the client, request the creditor to provide a copy of the agreement on the basis of which the alleged debt was incurred, the specialist adds. Local branches of the Consumer Federation can also help.<\/div>\n

If it turns out that the signature under the contract does not match that of the debtor, the matter should be reported to the police, as this means that someone has unlawfully used our personal data to make a financial commitment.<\/p>\n

- If a debt collection company takes such a case to court, it is essential to defend ourselves and challenge the debt collectors' position. Otherwise, on formal grounds we may end up with a judgment, obviously wrong, becoming final against us. Subsequent challenging of such a judgment is often very difficult or even impossible - advises Ma\u0142gorzata Anisimowicz of the law firm PMR Restrukturyzacje SA.<\/div>\n

2. debts are time-barred<\/b><\/p>\n

If you were once a customer of a company with which you have an alleged debt, check whether the claim is time-barred. It is often the case that debt collectors want to collect a debt that can no longer legally be asserted in court.<\/p>\n

Claims related to the running of a business are subject to a statute of limitations of three years, calculated from the dates on which they fall due (this refers to claims by businesses against their customers). This means, for example, that a claim for payment of a bill issued for telecommunications services (mobile phone or internet) is time-barred 3 years after the due date indicated on that bill.<\/p>\n

(…)<\/b><\/p>\n

The material appeared on the Gazeta Ubezpieczeniowa website:
\n<\/b>
\n17 August 2017:
\n\" Guide: Beware of debt collection companies demanding repayment of old debts<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Firmy windykacyjne skupuj\u0105 przedawnione d\u0142ugi, licz\u0105c na naiwno\u015b\u0107 d\u0142u\u017cnik\u00f3w. Cz\u0119\u015b\u0107 z nich p\u0142aci je dla \u015bwi\u0119tego spokoju, inni nie reaguj\u0105 do czasu, a\u017c komornik zapuka do drzwi. Jak si\u0119 przed tym broni\u0107? Firma PMR Restrukturyzacje przygotowa\u0142a dla konsument\u00f3w praktyczny poradnik. Handel d\u0142ugami to bardzo op\u0142acalny biznes, firmy windykacyjne skupuj\u0105 przedawnione roszczenia za bezcen, a od nie\u015bwiadomych klient\u00f3w \u017c\u0105daj\u0105 sp\u0142aty ca\u0142o\u015bci zad\u0142u\u017cenia wraz z odsetkami. Zdarza si\u0119 te\u017c, \u017ce roszczenia s\u0105 nieuzasadnione, a mimo to dostajemy pismo z \u017c\u0105daniem zap\u0142aty d\u0142ugu, kt\u00f3rego nigdy nie zaci\u0105gn\u0119li\u015bmy. 1. Nie jeste\u015b d\u0142u\u017cnikiem? Nie wyrzucaj pisma do kosza Je\u017celi nigdy nie mia\u0142e\u015b kontaktu z rzekomym wierzycielem albo jeste\u015b pewien, \u017ce nie masz u niego \u017cadnego d\u0142ugu, naturalnym odruchem jest wyrzucenie pisma do kosza. Przestrzegaj\u0105 przed tym jednak specjali\u015bci od praw konsument\u00f3w. \u2013 Je\u015bli dostaniemy takie wezwanie do zap\u0142aty, trzeba na pi\u015bmie za\u017c\u0105da\u0107 od firmy windykacyjnej wyja\u015bnie\u0144, na podstawie jakiej umowy dochodzi ona roszcze\u0144. Mo\u017ce si\u0119 tak zdarzy\u0107, \u017ce konsumentowi ukradziono kiedy\u015b dow\u00f3d i kto\u015b wykorzysta\u0142 jego dane do podpisania umowy \u2013 ostrzega \u0141ukasz Peryt z Biura Miejskiego Rzecznika Konsument\u00f3w w Szczecinie. \u2013 Je\u015bli firma windykacyjna nie chce tego wyja\u015bni\u0107, mo\u017cna si\u0119 zwr\u00f3ci\u0107 z pro\u015bb\u0105 o pomoc do miejskiego rzecznika konsument\u00f3w, kt\u00f3ry w imieniu klienta wyst\u0105pi do wierzyciela o udost\u0119pnienie kopii umowy, na podstawie kt\u00f3rej powsta\u0142 rzekomy d\u0142ug \u2013 dodaje specjalista. Pom\u00f3c mog\u0105 te\u017c lokalne oddzia\u0142y Federacji Konsument\u00f3w. Gdyby okaza\u0142o si\u0119, \u017ce podpis pod umow\u0105 nie zgadza si\u0119 z podpisem d\u0142u\u017cnika, nale\u017cy spraw\u0119 zg\u0142osi\u0107 na policj\u0119, bo oznacza to, \u017ce kto\u015b niezgodnie z prawem wykorzysta\u0142 nasze dane osobowe do zaci\u0105gni\u0119cia zobowi\u0105zania finansowego. \u2013 Je\u017celi firma windykacyjna skieruje tak\u0105 spraw\u0119 do s\u0105du, koniecznie nale\u017cy podj\u0105\u0107 obron\u0119 i kwestionowa\u0107 stanowisko windykator\u00f3w. W przeciwnym razie mo\u017cemy na gruncie formalnym doprowadzi\u0107 do uprawomocnienia si\u0119 wyroku, oczywi\u015bcie nies\u0142usznego, przeciwko nam. Jego p\u00f3\u017aniejsze podwa\u017cenie jest cz\u0119sto bardzo trudne czy wr\u0119cz niemo\u017cliwe \u2013 radzi Ma\u0142gorzata Anisimowicz z kancelarii PMR Restrukturyzacje SA. 2. D\u0142ugi si\u0119 przedawniaj\u0105 Je\u015bli by\u0142e\u015b kiedy\u015b klientem firmy, u kt\u00f3rej masz rzekomy d\u0142ug, sprawd\u017a, czy roszczenie nie uleg\u0142o przedawnieniu. Cz\u0119sto zdarza si\u0119, \u017ce windykatorzy chc\u0105 \u015bci\u0105gn\u0105\u0107 d\u0142ug, kt\u00f3ry zgodnie z prawem nie mo\u017ce by\u0107 ju\u017c dochodzony przed s\u0105dem. Roszczenia zwi\u0105zane z prowadzeniem dzia\u0142alno\u015bci gospodarczej przedawniaj\u0105 si\u0119 z up\u0142ywem lat 3 liczonych od dat ich wymagalno\u015bci (mowa tu o roszczeniach przedsi\u0119biorc\u00f3w w stosunku do ich klient\u00f3w). Oznacza to, \u017ce np. roszczenie o zap\u0142at\u0119 rachunku wystawionego za us\u0142ugi telekomunikacyjne (telefon kom\u00f3rkowy czy internet) przedawnia si\u0119 po 3 latach od up\u0142ywu terminu p\u0142atno\u015bci wskazanego na tym rachunku. (…) Materia\u0142 ukaza\u0142 si\u0119 w serwisie Gazeta Ubezpieczeniowa: dnia 17 sierpnia 2017: \u00bb Poradnik: Uwaga na firmy windykacyjne \u017c\u0105daj\u0105ce sp\u0142aty starych d\u0142ug\u00f3w<\/p>","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[19],"tags":[],"ppma_author":[30],"class_list":["post-5816","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":30,"user_id":12,"is_guest":0,"slug":"teampmr-restructuring-pl","display_name":"Zesp\u00f3\u0142 PMR","avatar_url":{"url":"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png","url2x":"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/5816","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/comments?post=5816"}],"version-history":[{"count":0,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/5816\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/media?parent=5816"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/categories?post=5816"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/tags?post=5816"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5816"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}