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Frequently asked questions
Here you will find the most common questions and answers. If you have more specific questions about your debt, please contact us and we will be happy to help you.
Why have you sent me a debt collection notice?
We have sent you a debt collection letter because you made a purchase from one of our clients, and the invoice has not been paid. All the necessary information can be found in the payment demand, or you can log in to your personal pages via the top right corner of this page.
Why have you sent me an SMS/email?
If you have received a text message or an email from us, it usually concerns an unresolved debt collection claim. We are contacting you to help find a solution.
Messages sent by us will show coeo Perintä Oy as the sender and include a link to our website, www.coeo.fi.
If you have received a message from us but do not have any open cases, please contact us by phone at 029 705 00570.
Messages sent by us will show coeo Perintä Oy as the sender and include a link to our website, www.coeo.fi.
If you have received a message from us but do not have any open cases, please contact us by phone at 029 705 00570.
Why should I pay to coeo and not to the company where I made my purchase?
Our client has transferred the overdue debt to us for collection, so the payment should be made directly to coeo Perintä Oy. If you have any questions, please don’t hesitate to contact us.
I want to pay, how do I do it?
You can find the payment details in the payment demand letter we sent you by post. You can also pay the debt by logging in to your personal pages using your online banking credentials.
I can't pay the whole debt at once, what should I do?
In most cases, you can pay the debt in instalments. You can create a payment plan on your personal pages or contact us via chat.
Please note that creating a payment plan includes a service fee of €20–50, in addition to any interest charges. If you are unable to pay the full amount, please contact us as soon as possible so we can find a suitable solution.
Please note that creating a payment plan includes a service fee of €20–50, in addition to any interest charges. If you are unable to pay the full amount, please contact us as soon as possible so we can find a suitable solution.
How do I dispute an invoice?
If you need to dispute an invoice, the easiest way is to contact us via chat by logging in to our website or by calling our customer service at 029 705 00570.
Have I received a payment default record because my invoice went to a debt collection agency?
Receiving a payment demand from a collection agency does not result in a payment default record.
However, if the collection process continues, the case may be taken to legal collection. If a district court issues a payment judgment, this will result in a payment default record and the debt may then be collected through enforcement.
However, if the collection process continues, the case may be taken to legal collection. If a district court issues a payment judgment, this will result in a payment default record and the debt may then be collected through enforcement.
Companies
Why can't I log in with Bank-ID as a business owner?
coeo Inkasso AB is currently unable to accept Bank-ID for companies for login. If you have any questions or need help, do not hesitate to contact us on 010-146 87 40 or via email at foretag@coeo-inkasso.se
Why have you sent a debt collection letter to the company?
We have sent a debt collection demand to your company because you have made a purchase from one of our customers and the payment is missing. The invoice is overdue, and therefore we have sent you a debt collection demand.
All information about the debt can be found on the debt collection demand. If you have any questions or need help, do not hesitate to contact us on 010-146 87 40 or via email at foretag@coeo-inkasso.se.
All information about the debt can be found on the debt collection demand. If you have any questions or need help, do not hesitate to contact us on 010-146 87 40 or via email at foretag@coeo-inkasso.se.
Why have you sent a text message/email?
If you have received a text message or email from us, it is usually about an unresolved debt collection case. We would love to get in touch with you to find a solution together. Our text messages and emails are sent from the sender coeo Inkasso and contain a link to www.coeo-inkasso.se. If you have received a text message or email from us even though you do not have a debt collection case, please contact us on 010-146 87 40 or via email at foretag@coeo-inkasso.se.
Why should we pay to the coeo and not to the company where we made the purchase?
We have been commissioned by the company where you made your purchase to handle the overdue invoice. Therefore, the payment must be made to us.
If you have any questions or need help, do not hesitate to contact us on 010-146 87 40 or via email at foretag@coeo-inkasso.se
We have received a debt collection demand and need a copy of the invoice for payment.
If you have any questions or need help with a copy of the invoice, please do not hesitate to contact us. You can reach us on 010-146 87 40 or via email at foretag@coeo-inkasso.se.
We need a residual claim to be able to pay the remaining amount.
In the case of partial payment, a residual claim is sent out automatically. If you have any questions or need help, do not hesitate to contact us on 010-146 87 40 or via email at foretag@coeo-inkasso.se.
Has the company received a payment default now that we have received a debt collection demand?
No, a debt collection demand does not mean that you have received a payment default. sHowever, if you do not manage your debt, we may need to apply for a payment order from the Enforcement Authority, and then a payment default will be registered.
If you do not pay or object, the debt is determined in a judgment. For more information about payment orders, please visit the Enforcement Authority's website.
Do you have any questions or need help? Do not hesitate to contact us on 010-146 87 40 or via email at foretag@coeo-inkasso.se.
If you do not pay or object, the debt is determined in a judgment. For more information about payment orders, please visit the Enforcement Authority's website.
Do you have any questions or need help? Do not hesitate to contact us on 010-146 87 40 or via email at foretag@coeo-inkasso.se.
How do you handle complaints?
We want to assure you that your complaint will be handled appropriately and in accordance with applicable regulations and our complaints policy. It is completely free of charge to handle complaints with us.
If you wish to dispute, please contact us by phone 010-146 87 40 or by email at foretag@coeo-inkasso.se. A dispute may mean that coeo Inkasso AB brings an action before a general court by applying for a summons to have your payment obligation examined, which may lead to increased costs for you.