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ING BKR removal: restoring your financial future

Is a negative ING BKR registration getting in the way of you taking out a mortgage or loan? We understand how frustrating this can be, especially if you are now financially stable. Fortunately, there is good news: in many cases, an ING BKR registration can be removed, even before the standard five-year term has expired.

In this complete guide, we take you through the world of ING BKR removal. We explain step by step how a registration comes about, what options you have for getting it removed, and why getting help from a specialist can significantly improve your chances.

How an ING BKR registration occurs

A BKR registration comes about when you enter into a financial agreement with a lender such as ING. Any loan or credit over €250 is reported to the Bureau Krediet Registratie. At ING, this can be done in several ways:

  • Being in the red for more than €250 (note: even the ability to be in the red is recorded)
  • Spending on an ING credit card over €250 in one month
  • A personal loan or revolving credit
  • Late payments on your mortgage

The main distinction is between positive and negative registrations. As long as you meet your payment obligations nicely, it remains a positive registration with no major implications for future credit applications.

A negative registration occurs when you fall behind in payments by at least three months. ING is then required under the Financial Supervision Act to report this to BKR as an A code (arrears notification). In some cases, ING may also register heavier codes such as a code 2, 3 or 4 in the event of more serious payment problems.

 

"Many people don't know that ING assigns Code 3 registrations proportionately often, making removal more complex. However, with the right legal approach, these are regularly challengeable on the basis of improper procedures or disproportionality."

Deepak - Legal Specialist

 

The problematic thing about this negative registration is that it remains visible for five years, even after you have fully repaid the debt. All the while, this registration can hinder you from getting a mortgage, loan or even a phone subscription.

The impact of an ING BKR registration on your financial options

A negative ING BKR registration has far-reaching consequences. Lenders see it as a warning signal that you have had trouble meeting financial obligations in the past. This often leads to rejections, even if your financial situation has now fully stabilized.

Concrete limitations you may experience:

  • Virtually no possibility of obtaining a mortgage
  • Rejections on personal loan applications
  • Difficulties in leasing a car
  • Restrictions on taking out phone plans with handset
  • Problems getting a credit card

This can be extremely frustrating, especially when you have worked hard to improve your financial situation. Consider young couples who finally want to buy a house, but are turned down because of a BKR registration from a financially difficult period years ago.

An example from our practice: An entrepreneur who ran into payment problems during the 2008 economic crisis. After a short delay, ING claimed the entire credit, resulting in a negative BKR registration. Even though he had paid everything off nicely by 2020, this registration prevented him and his partner from taking out a mortgage for a new home. Only after legal intervention was the registration removed.

You can read the full story of this couple here.

Steps to remove your ING BKR registration

If you want to have your ING BKR registration removed, it is important to follow a structured approach. Here are the main steps:

1. Examine your BKR registration

Before you take action, it is crucial to know exactly what your BKR registration looks like. 

Request your registration through BKR's official website. Please note:

  • The type of coding (A, 1, 2, 3 or 4)
  • The registration date and end date
  • Whether the debt has been repaid in full
  • Any inaccuracies in the registration

2. Thoroughly prepare your removal request

A successful request to remove an ING BKR registration requires strong substantiation. Gather all relevant documents, such as:

  • Proof of full repayment
  • Correspondence with ING regarding payment delays.
  • Documentation about your current financial situation
  • Concrete examples of how registration limits your life (such as rejected mortgage applications)

3. Submit a formal request to ING

Unlike some other banks, ING does not have a specific contact point for BKR removal requests. You can contact customer service, but be prepared for resistance. ING is known for its reluctance to remove BKR registrations.

In your request, you should make clear why the registration is disproportionate or should be removed on other grounds. Substantiate this with the documents collected and refer to relevant case law such as the Santander Framework on Proportionality.

4. Follow a legal route in case of rejection

If ING is unwilling to remove your registration, there are legal options. In many cases with ING, this is necessary, as they rarely voluntarily remove based on a balance of interests.

An experienced lawyer can set up a strong legal procedure based on:

  • The principle of proportionality (is the impact on your life proportional to the original offense?)
  • Procedural errors in the registration process (often ING makes mistakes in the mandatory advance notice)
  • Inaccuracies in coding or data
  • Objection under the AVG (General Data Protection Regulation)

5. Consider professional help

The chances of successful removal of an ING BKR registration are significantly higher with professional legal support. At Dynamiet Netherlands, we have years of experience in successfully removing ING BKR registrations, even in complex cases with heavy codes.

Our lawyers know the specific procedures and arguments that are effective against ING, and have established contacts that can significantly speed up the process.

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Borrowing with BKR

Success rates and deadlines at ING BKR removal

You're probably wondering how promising an ING BKR registration removal is, and how long the process takes. This depends on several factors.

ING's responsiveness

In principle, ING responds to requests for BKR removal within the statutory period of four weeks. In practice, however, we see that without adequate follow-up, this period can be as long as two months. If Vesting Finance (ING's collection partner) is involved in your file, the response time may be even longer, six weeks on average.

With our specialized approach and direct contacts within ING, we can often shorten these times significantly.

ING's willingness to cooperate

Unlike banks like Rabobank and ABN AMRO, ING is known for its reluctance to remove BKR registrations based on balancing interests. This means that in many cases you will have to start legal proceedings to get results.

Remarkably, the success rate at ING is still relatively high. This is not because of their benevolence, but because ING regularly makes procedural errors in registration. 

Examples include:

  • Failure to send the mandatory advance notice
  • Incorrect coding
  • Wrong (end) dates in registration
  • Insufficient substantiation of heavy codes such as code 3
  • These procedural errors can provide a strong legal basis for delisting.

"The most common error we see at ING is the lack of the legally required pre-registration notice. This seems like a small detail, but legally it is a strong ground for removal. As a result, we have been able to help many clients who were stuck for years."

Deepak - Legal Specialist

Dynamite BKR registration

How promising is removing a BKR registration from ING (and how long does it take?)?

Finally, we discuss what the procedure for removing an ING BKR registration looks like. We also give an indication of the duration and success rate of the procedure.

Please note! Every situation is unique, so no guarantee can be derived from the information below. Are you curious about the possibilities in your specific situation? Then contact us today for a no-obligation consultation with one of our specialists.

Heavy codes make removing a BKR registration from ING complicated

As mentioned, there are several codes that are added to your BKR registration. That code indicates how heavy the registration is and thus determines (in part) how much influence the registration will have on future applications.

For example, a code 3 is considered very serious and is often very difficult to remove. (Read exactly what a 3 code means.)

Unfortunately, this coding is comparatively very common at ING. This often makes it extra difficult to get rid of an ING BKR registration. Especially then, it is extra nice when a specialized BKR lawyer represents your interests, who knows exactly what your rights are and when ING has wrongfully imposed a (too) severe coding.

ING bkr

Why specialist help with ING BKR removal makes a difference

Given the complexity of removing an ING BKR registration and the reluctant attitude of this bank, specialist legal help is often decisive.

At Dynamiet Netherlands, we have accumulated years of experience specifically with ING BKR registration removal. Our lawyers know the exact procedures, know which arguments are effective, and have direct contacts within the bank.

The benefits of our specialized approach:

  • Our lawyers know exactly how to draft a request that has the greatest chance of success
  • We have established contacts at ING and can therefore often get a quicker response
  • We can effectively apply the complex legal arguments around proportionality and AVG
  • We immediately recognize procedural errors that increase your chances of success
  • If rejected by ING, we can immediately initiate legal follow-up steps
  • We understand the emotional impact of a BKR registration and guide you through the process with understanding

 

A success story that illustrates the difference: one of our clients, a former entrepreneur, had a negative ING BKR registration after payment problems during the economic crisis. Despite full repayment, the registration continued to hinder him from buying a home. After rejecting his first request, we took him to court, where he was fully vindicated. Thanks to the removal, the family was finally able to move into their dream home without having to sever their relationship on paper.

Do you also want to get rid of your ING BKR registration? Schedule a free consultation in which we discuss your personal situation and possibilities.

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Success rate and willingness ING for BKR removal

The success rate in removing an ING registration is remarkably high. Unfortunately, this has nothing to do with the fact that ING is well prepared to cooperate. It is mainly because the bank regularly makes mistakes when registering.

For example, the mandatory advance notice often turns out not to have been sent or codes and (end) dates are not correct. And when a file is incomplete or incorrect in this way, the bank can still be forced to remove it. This often turns out to be necessary.

In fact, ING's willingness to remove BKR is not high. Unlike Rabobank and ABN Amro, BKR registrations are in principle not removed on the basis of a weighing of interests. In most cases we are therefore forced to initiate legal proceedings against ING bank. Often we can still achieve a result.

So especially at ING, removal of your BKR registration can be a lot easier with an experienced lawyer assisting you. From drafting the request and applying pressure where necessary, to assistance in court should it come to that.

Would you like to work with such an experienced lawyer to increase your chances of getting rid of a BKR registration with ING? Then schedule your free, no-obligation consultation right away, in which your situation and chances of success will be mapped out. You can arrange that here.

Deepak Thakoerdien
  • 14 years of experience in legal proceedings
  • Known from the media
Jan Doeke Biesheuvel
  • Has resolved hundreds of cases without court intervention
  • Substantively a very strong lawyer
Lisa van Gulik
  • Has successfully represented hundreds of clients
  • Start lawsuits and proceedings at the Kifid
Nurettin Kocak
  • Has gained great respect within the legal services industry
  • A decisive and no-nonsense lawyer
View our team

Frequently asked questions about ING BKR removal

How long does the ING BKR registration removal process take?

Can any ING BKR registration be removed?

What does removing an ING BKR registration cost?

Should I contact ING myself or can Dynamite take over completely?

Don't let a past ING BKR registration limit you any longer. Get in touch today contact us for a free, no-obligation consultation in which we will assess your personal situation and tell you what your chances are of regaining your financial freedom.

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