4.7612 reviews

Removing your BKR at ABN AMRO? This is how we arrange it for you

Written on September 30, 2021 by Drs. Vera van der Vliet
  • Lawyer


Are you dealing with an ABN AMRO BKR registration that is getting in the way of your dreams and desires? Is this registration standing in the way of your mortgage or (business) loan and do you want to know if and how you can get rid of it? Below you can read how a Remove BKR registration from ABN AMRO in its operation.

We discuss the course of action surrounding an ABN AMRO deregistration from BKR. How does this bank handle such a request? What are your chances regarding removing an ABN AMRO BKR registration?

Contents of this page:

About BKR and ABN AMRO

It is first important to understand what a BKR registration actually is, before talking about how a BKR removal registration at ABN AMRO works.

The BKR - Bureau Krediet Registratie - records loans and debts you have with a lender. This gives possible future lenders insight into your financial health so they can determine whether or not granting a (new) loan is responsible.

If you want to know more about how such a registration comes about and what variants there are, read our complete BKR registration explanation. For now, it is enough to realize that a registration with the BKR thus comes from a lender.

How a registration with ABN AMRO's BKR comes about

As we have seen above, borrowing money is registered by the BKR. This means that borrowing money from ABN AMRO also comes with BKR registration.

In practice, therefore, a BKR registration with ABN AMRO can come about in several ways:

  • You can be in the red on your bank account for an amount of at least €250
  • With an ABN AMRO credit card, you made purchases for more than €250 in one month
  • You have taken out a (revolving) credit of more than €250

These are so-called positive BKR registrations. As long as you pay the repayments on time, then there is not much to worry about.

If you fall behind on your debt payments, this can lead to a negative BKR registration. For other lenders, this is a sign that you have had trouble repaying and so it may cause them to be reluctant to extend new credit.

Even after you have paid off all the debt, a registration remains for up to five years. This means that even future lenders can still see all that time that you have had payment problems, and the registration can hold you back for years to come.

Fortunately, in many cases it is possible to remove an ABN AMRO BKR registration within these five years. You can read more about that below.

A mortgage debt is not registered, but when you fall behind on payments it does lead to a negative registration. In this way, even a mortgage at ABN AMRO can result in a negative BKR registration.

BKR retrieval

Request BKR at ABN AMRO

Before we go over how you can get rid of a BKR registration, it is first important to be clear about exactly what the BKR registration with ABN AMRO looks like in your case.

For this, you can always request access to your (current) registrations through this site itself.

Do you disagree with a BKR registration of ABN AMRO? Then you can file a complaint or request for deletion about it.

In such a request, it is important that you clearly explain why you do not agree with the registration and why it limits you disproportionately in your daily life. Where possible, substantiate the request with documents, such as a mortgage application that is inhibited by the registration.

Do you find it difficult to prepare such a request yourself? Dynamite Netherlands' specialists work on cases like yours every day. Not for nothing do we close most of our cases winningly.

Would you also like to increase your chances of success in getting your BKR registration removed? Then contact us today with no obligation for a personal consultation on how we can help you.

Consequences bkr registration for loan

Deregistering ABN AMRO with BKR, how does it work?

As we saw above, deregistering a BKR registration with ABN AMRO lasts for five years after you have paid off the entire debt or loan. That means you can still suffer from this registration for all that time.

Therefore, waiting for the automatic deregistration of the ABN AMRO registration with BKR is not always an option.

An active request for removal of the registration always starts with ABN AMRO Servicedesk Lending. If your request here is not responded to quickly enough (for example, due to understaffing) or you do not agree with the handling, you can turn to Complaint Management.

In our experience, the response time at Servicedesk Loan can quickly reach about two months, even though ABN AMRO is required to respond to your request within one month. The waiting time at Complaint Management averages one month.

In recent years, Dynamite Netherlands has put a lot of energy into building a good relationship and short lines of communication with ABN AMRO. As a result, we have our regular contacts, which allows us to process a removal request faster than if you, as a consumer, put it to ABN.

In addition, this gives us the ability to initiate an emergency procedure when you have a tight deadline within which the request must be processed. For example, for a mortgage application. ABN AMRO is usually inclined to cooperate with this.

Would you like to take advantage of our expertise and connections to increase your chances of ABN AMRO BKR removal? Then contact us today with no obligation.

Removing a BKR registration from ABN AMRO in facts and figures

We close with an overview of some fact figures about BKR and ABN AMRO, in the hope that it can give you an idea of the success rate and what the process looks like.

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.

Most common registration at ABN AMRO

Above, we already discussed the possible sources of a BKR registration at ABN AMRO. But which type of registration do we see the most?

An ABN AMRO registration with BKR usually relates to a revolving credit, business loan or overdraft.

The following codes are the most common:

The latter in particular is usually more difficult to remove. Therefore, your success rate depends largely on the type of coding you are dealing with.

Average period of BKR removal at ABN AMRO

We already mentioned that the average period at banks can quickly increase, as they regularly suffer from understaffing. As a consumer, you should therefore quickly take into account a response time of two months. And even then it is of course by no means certain that the request will be honored.

When we make a request on your behalf, we make it as easy as possible for the bank. We work everything out as far as possible and hand them the information on a silver platter.

This not only benefits the throughput, it also means that ABN AMRO itself usually prefers to work with us rather than a consumer's request. In addition, through emergency procedures, a request from Dynamite Netherlands can often be processed more quickly.

This is because it is up to the person making the request to prove that the request is well-founded. Do you want a mortgage? Then you will have to prove that the registration stands in the way of that. By making this substantiation as clear and complete as possible from the outset, the average turnaround time is obviously sped up considerably.

Often a good request can avoid the need to go to court. This not only saves the necessary stress, it especially saves a lot of time. Because is the initial removal request rejected? Then an appeal period of 6 weeks starts within which a petition or subpoena must be filed with the court.

By submitting the request properly from the beginning, we avoid the need for that procedure and thus speed up the turnaround time considerably.

Success rate and readiness ABN AMRO for BKR removal

Dynamite Netherlands' success rate regarding removal requests at ABN AMRO, is 65%. As we have shown above, that is significantly higher than the success rate a private consumer has.

Nevertheless, ABN AMRO generally has a reasonable willingness to cooperate. Requests submitted are always looked at critically and seriously.

The bank always looks critically and seriously at requests. Nevertheless, in practice we notice that there is a difference in leniency between employees. So you may be lucky or unlucky with the employee handling your request in terms of how strict they are on removal.

So there again, it has a lot of advantage that we as Dynamite Netherlands have permanent contacts with whom we have a good relationship.

It may happen that - even after ABN AMRO has processed and rejected the request - we do not agree with the outcome. In that case, removal can still be enforced through legal proceedings. In our experience, these cases are often settled, in favor of the requester.

Does ABN AMRO not settle? Then the case goes to court and the bank often wins. In other words: ABN AMRO knows extremely well which cases can and cannot be won. It is therefore nice as a private individual to also have an experienced BKR lawyer by your side.

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

Sample case ABN AMRO BKR removal

We conclude this article with a hopeful example, which nicely illustrates ABN AMRO's willingness on BKR removal.

It concerns the case of an (anonymous) client whose registration was justified and should actually be enforced. At the time of the case, however, she was living with her mother with her two children. The client's mother could no longer tolerate this situation and wanted daughter and grandchildren to move into their own homes.

Because this was a huge interest with an impact on several lives, ABN AMRO still removed the BKR registration.

Back to Blogs

Customers about us

Can we help you?

4.7 612 reviews