Have you ever taken out a phone subscription on credit or been in the red for a certain period of time? If so, you will unknowingly be registered with the Credit Registration Office (BKR). When buying a home or taking out a loan, this registration can suddenly come back to haunt you. The BKR registration, which you may consider harmless, can even cause your loan application to be rejected. In some cases, it is possible to have the BKR registration removed. Dynamiet Nederland is happy to help you remove the BKR registration through the courts. But how exactly does this work?
BKR removal through court
If it is necessary to initiate court proceedings, we charge a flat fee there. Court proceedings cost a total of €4,250.
Here's what we do:
- We file a watertight petition with the court.
- We mediate for you with the opposing party during the proceedings.
- At the hearing, we will speak on your behalf.
- We will discuss the verdict and/or the result obtained with you.
In short, we make every effort to get your registration removed during this procedure.
The downside of a negative BKR registration
The advantages of BKREven if you have paid off a debt in full, a negative BKR registration will remainvisibleforfive years. This can make it very difficult to take out a new loan or mortgage. The negative BKR registration may cause you to be viewed as a "defaulting payer," even though this financial picture no longer applies to your current situation. The BKR registration therefore provides a distorted picture. Would you like to know how to submit a removal request yourself? View our step-by-step plan to remove your BKR registration yourself. In this situation, it may be beneficial to remove the BKR registration so that you can take out that loan.Removal via court
To increase the chances of removal, you can file an objection with the court. This is due to the independent nature of the court. This is because judges are not dependent on any financial support from the BKR, such as the Disputes Committee. Also, the procedure will take less time and you have the option to appeal. Therefore, should you subsequently disagree with the judge's decision, the ruling is not immediately binding.
Whereas with the Dispute Resolution Committee you can challenge the process on your own, with the court you can involve a legal expert. At Dynamite Netherlands, we are happy to help you successfully remove your BKR registration through the courts. Our lawyers and attorneys are closely informed of all developments and will be happy to advise you on the desired steps in the process.
Why remove BKR through court?
Should you unexpectedly come across a negative BKR registration, you can make an effort to have it removed. You can do this in several ways. If you file an objection with the BKR, you will be referred to the Disputes Committee. This committee is funded by the BKR and consists of a number of committee members. On the basis of the General Regulations of the BKR, it assesses whether your registration is justified. Even though the BKR refers you to the Dispute Commission, this is not always the most favorable route. Proceedings at the disputes committee are often time-consuming and do not always yield results. In addition, the decision of the committee is binding. This means that you cannot appeal or reopen a case. To increase your chances of getting your BKR registration removed, it is better to take the legal route through the courts.
Are you in even more of a hurry, for example due to an impending purchase agreement? Then summary proceedings may be the quickest solution.
BKR removal through Dynamite Netherlands
Dynamite Netherlands is the specialist when it comes to BKR removal through the courts. We dig through your credit files and test your interests against the registration. Are we of the opinion that your interests in removing the registration outweigh the usefulness of the BKR? If so, we will give you honest advice and challenge the registration. We are happy to help you with the legal steps during your process. BKR removal through the courts? Dynamite Netherlands is your expert.
Check out our working method for more information about how we work, or read more about the costs of removing a BKR registration.
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