Frequently Asked Questions
Find the answers at the click of a mouse on our most frequently asked questions.
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Contact -
Collection -
Billing -
People -
Complaints
By phone:
On working days BVCM is reachable between 09:00 and 17:30 on +31 (0)20 346 07 46. You can always send us a fax to +31 (0)20 346 07 43. Please always mention your case or reference number.
Email:
U can contact us per email using the following email address: incasso@call2collect.nl. We strive to answer your email within 3 working days. Please note that complex inquiries can require a longer response time.
Postal address:
You can send your letters to:
BVCM
Postbus 12347
1101AH Amsterdam
The Netherlands
Company info:
BVCM
Hessenbergweg 83
1101CX Amsterdam
The Netherlands
KVK(Chamber of Commerce)number: 342779340000
VAT number: 8182.02.579.B.01
IBAN-number: NL17ABNA0624668517
BIC: ABNANL2A
T.n.v: Stichting Derdengelden BVCM B.V.
You are able to log in to our online customer portal 24/7. All updates are available there and you can easily download a monthly collection report.
Yes, you will have just one contact person at BVCM. After we start our collection proceedings your account manager will contact you to introduce him/herself.
Of course, this is possible. Before you hand over the collection case of a consumer you need to send them a final notice (WIK letter) in which you give the debtor the opportunity to pay the demand without any extra costs.
Under normal circumstances, we strive to have a conclusive result in 6 weeks.
Yes, BVCM works both national and international
If you are not sure you can always contact us, we will then give you an advice without any obligations.
You will notify your account manager form the collections department after which BVCM sends a letter for the remaining interest and collections fees.
No, BVCM works on a no cure no pay basis. If you do not hand over any cases you are not obliged to anything
You can submit a collection order online at BVCM through the order form which can be found here: LINK. You can also submit the collection order by email, hereby submit the debtor data and the outstanding invoices. BVCM will confirm the receipt of your collection order and your debtor will be approached the same day, to pay as soon as possible.
If you received a notice from BVCM we have sent this by order of a creditor. To prevent a legal procedure we highly recommend you to pay as soon as possible, preferably before the expiration date of the letter. We offer you the ability to pay de demand in several easy, and safe ways.
BVCM works in the amicable collection process based on a No Cure No Pay principle. This means that you do not have to pay any costs for the service if it turns out that in the event of a lack of redress that the claim cannot be collected. We will recover the cost incurred to collect your claim from your debtor through the collection costs.
BVCM offers multiple different payment solutions. Below you can find the available payment possibilities.
Transfer:
You can transfer the outstanding amount (under the reference of your case number) to the bank account of BVCM. Please refer to the payment details below:
IBAN: NL17ABNA0624668517
BIC: ABNANL2A
ATTN: Stichting Derdengelden BVCM B.V.
iDeal:
You can pay BVCM through iDeal in several ways. You can use the iDeal link in the notice you have received or via the iDeal form on our website. In case you prefer receiving an iDeal link by e-mail or text message please call us.
GWK Travelex:
You can pay the open amount in a GWK office either by cash or card. GWK Travelex has 51 offices throughout the Netherlands, mainly located on the bigger train stations and city centers. Find an office near you on: www.gwktravelex.nl.
NOTE: You always have to do payments yourself. We do not withdraw fund from your account.
If you are not in the financial situation to pay the demand at once you can request a payment plan. Instruction on how to request this can be found below.
If you have structural financial problems we advise you to contact a debt counselor. We advise you to visit this website: www.zelfjeschuldenregelen.nl (Dutch). This website provides information about debts, how you can resolve this on your own and organizations that can help and assist you getting out of your debts.
BVCM tries to collect an invoice on your behalf, without any legal proceedings being involved. This process is also called the amicable collection process. BVCM strives to collect all collection files in the amicable process. Should it eventually turn out that a legal procedure is required for the collection of your claim, you are still at the right address at BVCM.
If you are not able to pay the demand at once it is, under strict conditions, possible to make a payment plan. The amount of installments depends on the outstanding amount and your financial situation. Contact BVCM by phone or email to discuss the possibilities, together with you we will then look for a suitable solution. After an agreement has been reached, we will send you a confirmation of the payment plan by e-mail or post.
NOTE: The terms of payment plan are set up under strict conditions. If BVCM does not receive the payment then the payment plan will be canceled.
If you want to know what the current outstanding claim is you can always contact BVCM by phone, e-mail or post. We kindly ask you to always have your case number ready while contacting our office.
There is a possibility that you have fulfilled your payment whilst the notice has already been sent to you. It is also possible that you only paid a part of the demand. To check if BVCM received your payment you can get in touch with us.
It is possible that handing over the demand and your payment to our client have crossed each other. If you send a proof of payment we will investigate what happened to the payment. You can send the proof of payment to BVCM by email.
We kindly ask you to include the following:
- Name and address
- Case number
- Reason why you disagree
- Supporting documents to support your claim. E.g. proof of payment, proof of cancellation.
We work for a wide variety of (inter)national clients. Our letters always contain the name of our client.
This is depends on how you have done your payment. Generally speaking, your payment is processed within two working days. However, international transfers might take up more time. If you have doubts about your payment please contact us.
https://www.zelfjeschuldenregelen.nl/alles-over-schulden/hoe-werkt-schuldhulpverlening/
Private person:
As of the 1st of July 2012, the collection costs are determined by law. The law provides a percentage scale for determining the collection fees. This percentage is based on the principial amount.
Scale of collection fees:
| Principle amount up to €2500 | 15% with a minimum of €40 |
| The next €2 500 | 10% |
| The next €5 000 | 5% |
| The next €190 000 | 1% |
| Everything above | 0.5% with a maximum of € 6.775,00 |
For Business:
For the calculation of the extrajudicial collection costs of companies, the general terms and conditions of the creditor are decisive for the amount of the collection costs. Usually, a percentage of 15% with a minimum of € 75.00 is used. If nothing is laid down in the general terms and conditions about the amount of the collection costs, the collection costs will be calculated in accordance with the Direct Debit Act.
Subpoena
The collection procedure starts with a subpoena. A subpoena is an official legal document in which your debtor (in legal jargon “defendant”) can see what the demand is and when they have to appear in court in front of a judge. The subpoena has to be served to the defendant by a bailiff.
Statement of reply
In the subpoena, a time and date will be recorded (also known as docketed hearing date). The defendant can decide to respond (immediately or request to postpone) to the subpoena before the docketed hearing date. The response from the defendant on the subpoena is called 'statement of reply. In the statement of reply, the defendant can bring their defense on the claim forward. The defendant can do this verbally during the hearing. If the defendant decides on a verbal defense, then the defense is made official and a procès-verbal will be written, of which the plaintiff receives a transcript.
In practice, a transcript of the statement of reply will be handed in. - This is, in essence, a written response from the defendant on a claim as described in the subpoena. A situation can arise that a defendant feels that they also have the right to put down a claim on you. This is called a counterclaim. The judge will make a verdict in one case for both disputes.
Judgement in absentia
If the defendant fails to show up at the hearing or send in a written response, then the judge will issue a judgement in absentia within a certain period. In the judgement in absentia, the judge will assign the claim to the plaintiff. Up until the moment of the judgement in absentia, the defendant has the opportunity to respond to the subpoena. This is called 'to cure a default'. This procedure will then proceed. It is also possible that the defendant will counter the judgement in absentia. The defendant has to send a resistance subpoena to the plaintiff through a bailiff. This subpoena will be recognized as the statement of reply and the procedure will be continued.
Reply to defense/rejoinder/ appearance of the parties
If the defendant has a statement of reply (in other words: they responded verbally or in written form), then the procedure can continue in the following options described below. The judge decides which option is going to be used to continue. Following this decision, the procedure will continue in written form. You, as a plaintiff, can respond to the statement of reply in written form. This is called a 'reply to defense'. After this 'reply to defense' the defendant can decide to respond in written form. This is called a 'rejoinder'. The judge will study these pieces and will make a notification whether it is enough information for the case to come to a verdict or if he is going send a request to both parties to explain their case. What follows is an 'appearance of parties'. This is a hearing in which both parties have to appear in front of the judge to explain their case further or come to a settlement. If parties come to a settlement, then this is going to be written in a procès-verbal. If the agreements made are not fulfilled by either party, the report will have the same effect (the same weight) as a judgment. If a settlement is not being reached then the judge will make a verdict. In many cases, this will be the final verdict, but an interlocutory is within the possibilities. In an interlocutory, a judge can, for example, ask for more evidence. After the execution of delivering the evidence, the judge will decide upon the final verdict.
Final verdict
At the end of the procedure, the judge will reach a conclusion. This conclusion will be recorded in the final verdict. The verdict will be sent in writing to both parties, so you don't have to show up in court again.
Appeal
Should one of the parties disagree with the final judgement, then that party can appeal to the council against the decision of the judge. Appealing to the council is only possible if the claim is higher than €1.750. An appeal can only be applied for within three months after the judge made the final verdict. According to the law, the appeal can only be handled by a lawyer.
If the demand is lower than €25.000 you are not required to have a lawyer, you could, therefore, try to do the litigation yourself. However, it is usually advised to hire a specialist for these cases. The legal experts of BVCM are always ready to assist you in getting a positive result in the proceedings.
The answer to that is 'no'. It is a misunderstanding that the winning party can fully put the actual costs of the proceedings to the losing party. In the Netherlands, the winning party is only awarded a part of the litigation costs and can only try to recover that part from the losing party.
The legal costs usually consist of court fees, bailiff's fees and a contribution towards the costs of your jurist (or lawyer). The amount that the judge will allocate depends on the type of case, the number of procedural actions and the court where the case is served. The process costs are determined on the basis of a 'lump sum system'. These amounts are almost always (much) lower than the actual costs you incurred.
Furthermore, it regularly occurs that the court decides that each party must bear its own costs. This is also customary when making settlements.
After the judge has pronounced a final award, the losing party must comply as soon as possible with what has been determined in the judgment. If the losing party does not comply with this, the verdict will be forwarded to the bailiff. The bailiff can ensure that the losing party does what the judge has decided. The bailiff can make use of various means for this, such as seizure of wages and (un) movable property.
The costs of the bailiff are recovered from the defendant as much as possible. Does the defendant have no recourse (so they have no or little income, no valuables, if they are in the debt repayment or have they been declared bankrupt) then the costs of the proceedings and bailiffs are charged to the plaintiff. Even after a final verdict, it can, therefore, unfortunately, take some time before you receive your money.
The judgment has been rendered, but the bailiff has failed to collect the claim because your debtor at that time, for example, has disappeared or has no recourse (cannot pay).
Fortunately, a sentence remains valid 20 years after the date of the judgment. The situation of your debtor can of course change during those years. BVCM, therefore, offers the so-called storage service for this type of business. The case is then monitored and executed at the moment that your debtor reappears, has a job, buys a car, et cetera. This service will give your uncollected case a second chance and you can be sure that your debtor - for which you have already spent so much money - will be exerted pressure for years to pay.
You can invoice electronically within 2 weeks worldwide. During that time we will realize the link with your accounting package and the platform has been set up according to your wishes and requirements.
The biggest advantage is that all updates and maintenance are performed for you. This saves you valuable work time (less FTE).
Your invoices are drawn up in accordance with the laws and regulations that apply in the country where your debtor resides or is established.
Your ICT employee only needs to offer us the opportunity to make the link to your accounting package. Besides that, you do not have to do anything. A maximum of 1 hour is required for this.
You can track your invoices but also issue management & BI reports.
Yes absolutely. And in the event of changes, we will make the necessary adjustments for you. BVCM fully unburdens you in your billing process.
None. We ensure that all your customers are billed in the way they want.
That is incorrect. Sending invoices as PDF is digital invoicing which is also a possibility. Electronic Invoicing from BVCM offers many more delivery options. It allows you to send all your invoices according to the wishes of your customers, whether as XML or PDF, via scan & recognition or through a billing platform (such as Basware and Zoomit). Moreover, a PDF is not the safest format: the content can be tampered with and there is a lack of options to put an electronic (coded) signature on it, which guarantees the accuracy of the information.
Yes, that's possible. You can even differentiate the payment link to customer type.
Yes, we provide local payment options in as many as 120 countries.
No, that is not necessary. The customer receives his invoice where and how he wants to receive it.
All delivery preferences for your debtor are possible, including the paper version.
You do not have to worry that you need to adjust your accounting package or process to use BVCM's Electronic Billing. Your personal information, process, and accounting software continue to prevail. You can also decide for yourself in what way you will use Electronic Invoicing: only for the electronic transmission of invoices or also for monitoring of invoices, reports, complaints and so on.
The link between your environment and Electronic Invoicing is structured so that attachments are always automatically sent to the debtor.
Electronic Invoicing offers the possibility to invoice from one platform on behalf of different subsidiaries. You can send the invoices in the own corporate identity of each operating company so that the individual look-and-feel is maintained.
Yes, and this issue is then offered in a way and where you want to receive it (CRM, ERP, e-mail, etc.).
We keep your invoices plus attachments for at least 7 years. This is set in Dutch law.
Yes, your customer can indicate their preferences via their account. You can do this yourself or have it done by the support department. Just what you prefer.
Yes, your customer can submit a complaint through their account. You can decide how and where you receive these complaints (in your CRM or ERP system, via e-mail, etc.).
Through the registration form, you can leave your motivation, details and CV with us. As soon as we have a suitable job/assignment for you, we will contact you.
We remove filled vacancies directly from our website, so you can be sure that the job is vacant as long as it is shown on our website.
Our vacancies are automatically placed on 'various jobs' board. It may happen that the job board is not completely up-to-date. If the vacancy is no longer on our website, you can assume that it is no longer vacant.
You can also register via the registration form as a freelancer. We then place your details in our system, so that we can make the match between assignment and freelancer. You can call us for more information about assignments via +31(0)20-3460746
In the posted vacancy find the 'Join our team' button. Here you can fill in your details and upload your CV. Once you have filled in your details and have uploaded the resume, click on 'send' and we will receive the information in our system. You will receive an e-mail.
We only invite you to an intake interview when we see a match between a vacancy and an applicant. You can leave your details with us via the registration button. This way we have your data in our system, so that we can take you into the filling of current and future vacancies.
Our starting point is a vacancy for our clients. On this basis, we will search for the suitable candidate. If you meet the wishes of our client, we will contact you.
BVCM Collections B.V. takes any expression of dissatisfaction or dissatisfaction with our organization, its products, and employees seriously and considers this a potential complaint. If you have a complaint, you can notify us online, by email, or by post.
BVCM Collections B.V. contact details
BVCM Collections B.V.
t.a.v. Afdeling klachten
Postbus 12347
1100 AH Amsterdam
E-mail: klacht@bvcm.nl
Always include your details (name, address, email address, telephone number, and if known, a file number) with your complaint. We also appreciate a brief explanation of your complaint.
BVCM Collections B.V. is a member of the Dutch Association of Debt Collection Agencies (NVI) and uses the complaint's procedure following the rules of conduct of the NVI. If you are not satisfied with the handling of your complaint, you can contact Kifid. Kifid is an independent institute and handles complaints about the members of the NVI).
Kifid contact details:
www.kifid.nl
Phone number: 070 - 333 8 999
E-mail: consumenten@kifid.nl
Postbus 93257
2509 AG Den Haag
If your complaint has been received by BVCM, you will receive a message within two working days that your complaint has been processed. We strive to handle your complaint within a week. Keep in mind that we do not always achieve this ambition in complex cases.
