Direct Pay Has Gone Bankrupt: What to Do If You're Registered with the BKR Through Them?

Direct Pay has been in bankruptcy since April 3, 2023, but many people are still experiencing problems due to outstanding BKR registrations. If your debt with Direct Pay (including Debtscan and Webcasso) has already been paid off, you are entitled to have your registration removed. The bankruptcy trustee, Mr. J.G. Princen, is legally required to report paid-off debts to the BKR, but in practice, this often does not happen automatically. You can take action yourself by contacting the trustee and the BKR, or seek legal assistance for a faster resolution.

The bankrupt debt collection agency Direct Pay was a credit and debt buyer that, ironically, was itself in financial trouble. For many people in debt, this company was a thorn in their side. Now that the company has gone bankrupt, thousands of people are still dealing with the consequences: a BKR record that should have been removed. We understand how frustrating this is, especially if you’ve paid off your debt in full and want to move on with your life.

Written on September 10, 2025, by Deepak Thakoerdien

Co-founder & legal strategist

Key insights

The trustee is legally required to: Once debts have been paid off, the trustee must remove your BKR listing
Documentation is crucial: Keep all proof of payments and correspondence for your records
You may file a complaint with the BKR: If the trustee does not respond, you can file a complaint with the BKR
Legal action is effective: You can expedite the removal of the registration through summary proceedings
Your registration will remain visible for 5 years: After termination, your registration will remain in the system for another 5 years

Specific Steps to Take in the Event of a Direct Pay BKR Registration

If you are registered with the BKR through Direct Pay, it is important to proceed systematically. The first step is always to contact the trustee. Mr. J.G. Princen of DVDW Advocaten in Rotterdam has been appointed as trustee. You can reach him at princen@dvdw.nl or by phone at 010-440 05 00. The mailing address is P.O. Box 1860, 3000 BV Rotterdam.

In practice, we’ve noticed that the trustee often does not respond to requests regarding BKR registrations. Nevertheless, we advise you to submit this request in writing. Send a certified letter clearly stating that your debt has been paid off and requesting that the registration be removed. Include supporting documents such as proof of payment or a debt-free certificate. This step is essential for your records, even if you may not receive a response.

While you’re in contact with the trustee, you can perform aBKR check to see exactly what is on file. Check whether the information on file matches your actual situation. Sometimes there are errors in your record that you can use to support your request for removal.

Filing a complaint with the BKR

If the trustee does not respond or refuses to cooperate, the next step is to file an official complaint with the BKR. You can contact the Credit Registration Bureau (BKR) at info@bkr.nl or by phone at 088-150 2500. The mailing address is P.O. Box 66, 4000 AB Tiel. In your complaint, explain that the trustee is failing to fulfill his legal obligation to terminate the registration after the debt has been repaid.

To date, the BKR has upheld very few claims filed by affected individuals. They often refer the matter back to the trustee, arguing that they are not responsible for Direct Pay’s records. Nevertheless, it is important to file this complaint. By doing so, you build a case file that you can use later if you decide to take legal action. Furthermore, you put pressure on both parties to take action.

Make sure to be specific about your situation in your complaint to the BKR. Include the repayment date, the amount you repaid, and any supporting documents. Explicitly request the removal or correction of yourBKR code and explain why the current entry is incorrect.

“In a bankruptcy case like that of Direct Pay, you often see that victims fall through the cracks. The trustee has other priorities, and the BKR points to the trustee. We break this deadlock by applying legal pressure. In urgent cases, such as an expiring purchase contract, we can achieve results within a few weeks through summary proceedings.”
Deepak, legal specialist at Dynamiet Nederland

Legal Options for Prompt Removal

If the trustee and the BKR refuse to cooperate, your only option is to take legal action. Anpreliminary injunction is often the quickest solution, especially in urgent situations such as an expiring home purchase contract. We have already successfully conducted several proceedings against trustees who refused to cooperate in removing unjustified entries.

The court can compel the trustee to remove the registration if you can prove that the debt has been paid off. This is done through a penalty payment: for every day the trustee fails to cooperate, he must pay a certain amount. This financial incentive usually ensures that the registration is updated quickly. The costs of such a proceeding often outweigh the benefits, especially if it results in amortgage orbuy a house.

We are currently preparing a class-action lawsuit against the receiver for Direct Pay. Several victims are joining forces to take collective action. This reduces the costs per person and increases the chances of success. If you are interested in joining this class-action lawsuit, please contact us.

Practical Tips for Your Situation

It is crucial that you keep all documentation in a safe place. Make copies of all correspondence with Direct Pay, the trustee, and the BKR. Keep proof of payment, repayment schedules, and any debt clearance certificates. These documents form the basis of your case file and are essential if you wish to take legal action.

Pay attention to the deadlines that apply to your specific situation. For example, if you have a purchase agreement in place with conditions precedent, make a note of exactly when they expire. In the case of anegative BKR record , time can be a crucial factor. The sooner you take action, the greater the chance that you’ll clear your record in time.

Please be aware that a terminated registration will remainremains visible for 5 years in the BKR system. This means that lenders can still see that you had a record, even if it has been paid off. In some cases, you can request through the court the completeremoval of your BKR record through the courts, especially if the entry was unjustified or disproportionately burdensome.

The situation with Direct Pay is complex, but there are solutions. We have successfully helped dozens of clients remove or modify their Direct Pay registrations. Every situation is unique, so it’s important to have your specific circumstances assessed by a specialist. During afree consultation , we’ll discuss your options and the best strategy for your situation.

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