Have you taken out an installment phone plan in the past or been in the red for a period of time? If so, you will unknowingly get a registration with the Bureau Krediet Registratie (BKR). When buying a house or taking out a loan, this registration may suddenly be around the corner again. The - in your eyes - innocent BKR registration may even cause your loan application to be put on hold. In some cases it is possible to remove the BKR registration. Dynamite Netherlands is happy to help you remove the BKR 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 €3,450.
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
Even if you have paid off a debt in full, a negative BKR registration remains visible for five years. This can make it very difficult to take out a new loan or take out a mortgage. Because of the negative BKR registration, you can be seen as a "defaulter," while this financial picture is no longer applicable to your current situation. As a result, the BKR registration thus creates a distorted picture. In this situation it may be beneficial to remove the BKR registration so that you can take out that loan.
The benefits of BKR removal through 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.
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.
Schedule a no-obligation consultation with a specialist
Roadmap: remove your BKR registration yourself in 5 steps
by Deepak ThakoerdienRemoving a BKR registration...
