BKR Registration due to benefits affair? Here's what you can do

As a victim of the benefits affair, you may be dealing with a negative BKR registration. Annoying, as this can affect you for years. Fortunately, there is a solution to get rid of it, especially if it is a BKR registration that was created through no fault of your own.

Do you have a BKR registration on your name due to the benefits affair that is interfering with your life? If so, read on and find out what you can do about it.

Please also download the (free) sample letter via the button below. You can use this letter to object and have the BKR registration removed.

The letter was co-authored by BOink (Interest Association of Parents in Child Care). In addition, the referral to this letter is on the Tax Administration's Recovery Operation Benefits page under the question "What can I do myself if a creditor doesn't pass anything on to BKR or if I can't wait?".

But, you can also take immediate action yourself.

Download our sample removal request letter

The first step that must be taken to get rid of a BKR registration is to file a removal request with the lender that placed the registration.

In that request, you explain why you believe the registration is unjustified, how it is interfering with your life, and therefore why it should be removed.

Drafting this request is usually quite a legal story. Fortunately, as a victim of the benefits affair, you have a strong position: after all, the registration came about through no fault of your own.

With our sample letter you will have the perfect basis for drafting such a removal request.

These aggrieved people already saw their registration removed

The story of this family will sound all too familiar to many people. Two earners who were doing just fine financially, entitled to childcare subsidies. Until, after a few years, they were suddenly identified as fraudsters by the Inland Revenue and large sums were reclaimed.

Even though both parents were working: these receivables were too large to meet. Because the family also had concurrent loans with the Volksbank and Defam, the situation quickly created negative codes.

The accumulation of these debts resulted in debt restructuring. Large amounts were written off by both lenders - as is customary in debt restructuring.

In the end, both Volksbank and Defam decided to remove the negative BKR registrations.

See Volksbank's response.

What has helped in this is that the Tax Administration has acknowledged that these people were victims of the benefits affair. In other words, the payment arrears occurred through no fault of their own. This was supported by the compensation that has already taken place from the Inland Revenue, which was provided as evidence when requesting the removal of the BKR coding.