The first reminder or request for payment may come to you within a week of the day on which you were to pay back the loan. The prompt may take the form of an SMS, email, registered letter or telephone conversation with a loan consultant. It’s a cheaper form of warning. However, the request for payment is to urge you to pay the debt as soon as possible, otherwise the case will be referred to court.
SMSes cheaper than registered mail or phone
The reminder sent as an SMS is the cheapest way to recover debts from the debtor. It costs the unreliable customer of the Vivus brand the least – PLN 2. The online loan market leader also charges the lowest fees for a telephone reminder – PLN 5, but the cost of a registered letter is PLN 15 (it is sent after 15, 30 and 60 days after the repayment date). You will pay a bit more for an SMS if you have used the services of Wonga.pl (PLN 3), which also sends an email (it is the cheapest form of reminders in this company – it costs PLN 2), registered mail (PLN 10) or calls the debtor , which each time costs PLN 35. Filarum first uses an SMS reminder, which costs PLN 5, and in the absence of a response, sends a twice as expensive payment request (PLN 10). Tisen will charge PLN 6 for an SMS or email prompt, PLN 12 for a conversation with a consultant, and PLN 40 for a letter prompt. The appearance of a request for payment from this company means another PLN 60 less on your account. If a Crediten consultant calls you with information about an overdue repayment, you will lose PLN 7, but when the lender sends you a letter, it will cost PLN 19.
Expensive payment request
Usually, the first request for payment is sent within 7 days of the loan repayment deadline. However, as a Kredito24 customer you will receive a warning of up to 3 days. It costs PLN 20 and has several forms, among others SMS (PLN 5) and email (PLN 10). If you fail to give the money back, the next document will appear after 6, 9 and 12 days. Its price is the same as the first call. Delaying the refund for more than 15 days, the cost increases to PLN 150. In the case of Go Credit, the rate increases with the number of days that have passed since the repayment date – the call sent within 7 days is PLN 35, 14 days – PLN 45, 24 days – PLN 55, and 34 days – PLN 65. Meratu Bank will also send four documents before going to court (operator Kapreska, Ofin.pl, Teak Cass – the same rules for admonishing the debtor apply). Their price starts from 30 PLN (up to a week) and ends at 50 PLN (for being late by 14 days, 25 and 35 days). Collection activities at Wisei.net are slightly cheaper, but only for calls sent within 7, 14 and 21 days – they cost PLN 29. The cost of the document increases to PLN 59, if we delay the repayment of 30 days.
No fees at Loan Plus
The Extra Loan treats its debtors the most-relieved among non-bank companies on the Polish market. The lender will not charge interest for late payment. However, this bonus only lasts for 2 days. What’s more, Loan Plus does not charge for phone notifications if you have a problem paying back your debts.