How can we help?

Please do not ignore our contact anyway. You are welcome to send us an e-mail 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!

The debt collection process in Belgium consists of two phases: dunning from the creditor followed by the involvement of a debt collection agency.

In the first phase, the creditor sends a dunning letter, including mandatory information such as the amount due, creditor details, description of the debt, and the 14-day repayment period. This letter allows the creditor to claim collection costs if the debtor fails to pay within the specified period.

If the debt remains unpaid after the initial dunning letter, the second phase involves the debt collection agency sending an official debt collection letter. After the official debt collection letter, a deadline is set for the debtor to fulfil the claim

If no payment agreement can be reached, collection agencies can also take legal action and use a bailiff as a follow-up.

Too bad 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.

Every debt collection company in Belgium must register as a debt collection services provider in accordance with the "Economic Law Code (Wetboek van economisch recht) with the competent authority, Federal Public Service Economy, and be entered in the debt collection services list. Authorisation as a registered debt collection services provider is linked, among other things, to the suitability and reliability of the persons acting in the company, and you can check this authorisation at any time on the Internet on the website of economie.fgov.be.

Yes, PAIR Finance is registered in Belgium at the Belgian Ministry of Economy, FÖD Economie, as a debt collection agency.

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 because you have or have had a purchase contract or service contract with them.

So that we can remind you of the outstanding debt and facilitate an amicable repayment, we must of course be able to contact you. Our client may and must therefore pass on your personal data, such as your name and address, the basis and amount of the claim, etc., to us. Only with this data is it possible for us to contact you and assert the claim.

Furthermore, it may be the case that we are not to mediate in relation to a claim 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 a carer or if you have been mandated as a lawyer. In these cases, your contact details for the claim file will be stored as the correspondence address, and you will also receive information on the processing of your personal data by the debt collection company in accordance with Art. 13 or 14 GDPR.

As a registered debt collection company, PAIR Finance is generally authorised to process all the data required to collect a debt. This regularly requires data about the debtor, e.g. name, address and telephone number, as well as the debt to be collected, i.e. in particular the reason for the debt, amount and due date.

PAIR Finance may also collect, store and use information itself if this is necessary for processing the case in question. This includes, in particular, obtaining creditworthiness information, determining addresses and other data required to assess the claim.

Every company is free to seek the assistance of a lawyer or a debt collection agency in relation to an - even if only alleged - outstanding claim. In the case of an outstanding, possibly disputed claim, a company may and must pass on personal data, in particular name and address, the reason for the claim, the amount and the due date of the claim, to PAIR Finance. This is because only with this data is it possible for us to contact you and offer a solution for an outstanding claim.

Consent for the transfer of data to a legal service provider is not required. The activities of PAIR Finance are permitted under data protection law by the legal provisions of Art. 6 para. 1 sentence 1 lit. b) and lit. f) GDPR (data processing for contract fulfilment, data processing based on the legitimate interest of the creditor).

As a so-called "data subject", you have a right to erasure of your personal data under Article 17 (1) GDPR under the conditions specified therein. PAIR Finance takes this right very seriously, just like the other rights under the GDPR. We have therefore developed a blocking and erasure concept for all data processed by us.

However, the legislator has also taken into account that the consent of the other party cannot always be required for the purpose of asserting outstanding claims. Therefore, there is no right to erasure of data if a company processes your data for the establishment, exercise or defence of legal claims. This is based on Article 17(3)(e) GDPR. Personal data may therefore continue to be stored as long as there are still outstanding claims and are processed as part of the debt collection activity. Once the debt collection procedure has been discontinued, the data is no longer required to fulfil the debt collection procedure and would in principle have to be erased in accordance with Article 17(1)(a).

However, deletion is replaced by restricted processing if legal, statutory or contractual retention periods prevent deletion (Art. 17 para. 3 lit. b) GDPR. Personal data must of course also continue to be stored due to commercial or tax regulations; however, this is then only done for this purpose. These periods may vary and last up to 10 years.

The exercise of the right to object to the processing of data on the basis of a balancing of interests (Art. 6 para. 1 lit. f) GDPR) in accordance with Art. 21 para. 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 gives 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 (recovery of outstanding claims), your objection to our data processing will therefore ultimately be in vain. How else would it be possible to collect receivables if the processing of the information could be prevented? This is actually logical.