How can we help?

Please do not ignore our contact anyway. You are welcome to e-mail us or discuss the situation on the phone to avoid further reminders and costs. We will clarify the matter with the contractual partner and will of course stop the process if it turns out that our payment requests are not justified.

If you do not know the contractual partner, the claim may still be justified, for example if you have used the services of a payment service provider as part of your order from a shop. This service provider, who enabled payment by invoice, for example, is your legal contractual partner and can now expect payment from you.

If, even after a thorough check, it is not clear to you why this request exists, and you have never received the underlying order or service, please also check whether your data may have been misused. This is important: Contact us in any case, we will help you!

All companies, from SMEs to large corporations, have the problem that some of their bills are not paid within the agreed period. If the customer does not pay the creditor turns to a specialised service provider, the collection agency, for support. A collection agency now tries to contact the customer and find an amicable solution to the outstanding bill. If no payment agreement can be reached, collection agencies can also take legal action either in the form of an administrative procedure (Kronofogden) or initiate a court procedure.

We're sorry you're not satisfied with our service. Our team does its utmost every day to make debt collection easy for consumers and companies. You can submit a complaint on this page.

If you have been contacted by us, then we, as a debt collection service provider, have been commissioned by a company to work with you to find a solution for an outstanding payment. You should have originally made this payment to this company or the original creditor with whom you concluded a contract.

In order for us to remind you of the outstanding debt and facilitate an amicable repayment, we need to be able to contact you. Therefore, our client can and must provide us with your personal details, such as your name and contact details, the basis and amount of the claim, etc. Only with this information it is possible for us to contact you and assert the claim. We also need this information so that we can present the claim to you as transparently as possible, in accordance with professional regulations and the good collection practices.

It is also possible that we have been asked to mediate a claim not against you, but against a third party, and we contact you in this context. This may be the case if you have been appointed as an agent or guardian, or if you have been instructed as a solicitor. In these cases, your contact details will be kept as the correspondence address for the claim file and you may also receive information about the processing of your personal data.

As an authorised debt collection service provider, PAIR Finance is generally authorised to process all data required to collect a claim in accordance with the debt collection order of our respective client - the creditor. This regularly requires personal data of the debtor, e.g. name or personnummer, contact details and details of the claim to be collected, i.e. in particular the reason for the claim, amount and due date.

PAIR Finance may also collect, store and use information itself if this is necessary for the processing of the respective case or for receivables management. This includes, for example, obtaining creditworthiness information and researching addresses.

Every company is free to seek the help of a lawyer or a debt collection service provider in relation to an outstanding claim, even if it is only alleged. In the event of an outstanding claim, a company can and must provide PAIR Finance with personal data, in particular name, personnummer and contact details, the reason for the claim, the amount and the due date of the claim. It is only with this information that we can contact you and offer you a solution to your outstanding claim.

You do not need to consent to the transfer of your data to us to process it. The activities of PAIR Finance are covered by the legal provisions of Art. 6 para. 1 sentence 1 letter b) and f) of the European General Data Protection Regulation (GDPR) (data processing for contract fulfilment, data processing based on legitimate interest). In addition, depending on the status of the process at our company, there may be other legal bases for the necessary data processing, including due to statutory retention obligations.

As a so-called "data subject", you have the right to have your personal data deleted in accordance with Art. 17 para. 1 GDPR under the conditions specified therein. This right is taken very seriously by PAIR Finance, as are the other rights under the GDPR. We review individual requests in this regard and act in accordance with our blocking and erasure policy.

However, the legislator has also taken into account that the other party's consent to data processing cannot always be required for the purpose of asserting outstanding claims. Therefore, there is no right to erasure if a company processes your data for the establishment, exercise or defence of legal claims. This follows from Art. 17 para. 3 letter e) GDPR. Personal data may therefore continue to be stored as long as there are outstanding claims and are processed as part of the debt collection process. Once the debt collection process has been completed, the data is no longer needed to fulfil the contract. However, the need for continued data storage is generally due to the need to comply with legal retention obligations.

However, once the debt collection process is complete, the data will only be processed to a limited extent ("blocked") and only for the duration of the relevant legal retention period. The Swedish Bokföringslag (1999:1078) provide the deletion period of seven years. If data is not needed for this maximum retention period, it will be deleted before this time. This complies with the requirements of Art. 17 para. 3 letter b) of the GDPR.

The exercise of the right to object to the processing of data on the basis of a balancing of interests (Art. 6 (1) (f) GDPR) in accordance with Art. 21 (1) GDPR requires that you provide PAIR Finance with specific reasons arising from your particular situation. This means that you must demonstrate that and why your particular case is an atypical constellation that lends particular weight to your interests. It is not sufficient, for example, to dispute the claim ("I have not concluded a contract") or to state that the creditor's performance was incorrect or did not take place.

However, the right to object does not apply under Art. 21 para. 1 GDPR if the processing of the data serves the assertion, exercise or defence of legal claims. In the typical case constellations in the context of debt collection processes (collection of outstanding receivables), your objection to our data processing will therefore ultimately come to nothing and there will be no data erasure. How else would it be possible to collect receivables if the processing of the information could be prevented?