Have you been informed that claims against youhave been assigned to our company?
In such a case, we talk about a legal transaction of assignment/transfer of claims, where:
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the debtor’s consent is not required for the transfer of a claim, but the assignor must notify the debtor regarding the assignment (Article 419, paragraph I, of the Obligations Code);
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the fulfilment of obligations to the assignor after or despite the notification of the assignment shall not be valid, and the debtor shall not be released from their obligations to the recipient (Article 419, paragraph II, of the Obligations Code).
From a legal standpoint, from the time of the notification of assignment, you are no longer indebted to the assignor of claims. Instead, you are indebted to our company, which has thus entered into a creditor relationship with you, and we are now the only one to whom you can make a payment to validly clear your debt.
What should you do?
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Just wait, and you will soon receive a Notice of assumption of claims and change of creditor from us in your mailbox or by email.
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You can also contact us at any time for further information. Our contact details can be found at the bottom of our website.
Have you received a Notice of assumption of claims and change of creditor
from us in your mailbox or by email?
The Notice of assumption of claims and change of creditor is a document by means of which we:
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inform you that, as the recipient, we have acquired the claims against you through a legal transaction of assignment/transfer, and from whom we have acquired them;
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provide you with an accurate statement of the debt to be settled/paid;
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ask you to settle the debt and provide you with the payment details;
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provide you with our contact details for further coordination.
What should you do?
1.
If you consider the debt to be UNDISPUTED:
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and you are able to settle it, settle it immediately in the amount and by using the details specified in the Notice of assumption of claims and change of creditor.
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and you are not able to settle it, immediately contact the legal and financial advisor listed in the Notice of assumption of claims and change of creditor, who will work with you to find an appropriate solution to your debt situation.
2.
If you consider the debt to be DISPUTED, immediately contact the legal and financial advisor listed in the Notice of assumption of claims and change of creditor.
Every complaint will be treated seriously and promptly; however, we would like to point out that evasiveness and delaying often lead to more stringent recovery, less favourable resolution of the matter and unnecessary additional costs and inconvenience.
Did we call you or contact you in any other way?
We did this because you did not respond to the Notice of assumption of claims and change of creditor, and we will continue to call until the debt is settled.
You must be aware that you are now our debtor and as such you are indebted to us. Accounts Receivable Management FIDEM is a company specialising in recovery, and thus evasiveness and delaying are not acceptable options for us.
What should you do?
1.
If you consider the debt to be UNDISPUTED:
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and you are able to settle it, settle it immediately in the amount and by using the details specified in the Notice of assumption of claims and change of creditor.
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and you are not able to settle it, immediately contact the legal and financial advisor listed in the Notice of assumption of claims and change of creditor, who will work with you to find an appropriate solution to your debt situation.
Any delay in repaying your debt means higher costs and interest for you, so take the matter seriously and deal with it promptly.
2.
If you consider the debt to be DISPUTED, immediately contact the legal and financial advisor listed in the Notice of assumption of claims and change of creditor.
Every complaint will be treated seriously and promptly; however, we would like to point out that evasiveness and delaying often lead to more stringent recovery, less favourable resolution of the matter and unnecessary additional costs and inconvenience.
Have you received one or more default notices by post?
A default notice is a serious warning prior to enforcement/legal proceedings. The matter is extremely serious!
What should you do?
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immediately settle the debt in the amount and using the details specified in the default notices.
Your failure to cooperate has brought the matter to the brink of enforcement/legal proceedings.
You must be aware that Accounts Receivable Management FIDEM is a company specialising in recovery and, as such, has all the necessary resources (lawyers, solicitors, enforcement agents, detectives, as well as dedicated funds, etc.) for enforcement/legal proceedings. Please note that our success rate in enforcement/legal proceedings is 95%. In light of that, please do consider whether you really want to enter into a dispute with our company (along with the associated inconveniences) or whether repayment is a better solution after all.
Payment details:
TERNIS d.o.o.
Letališka cesta 32, 1000 Ljubljana, Slovenija – EU
IBAN: SI56 6100 0000 8150 093
SWIFT BIC: HDELSI22
PURPOSE: → DEBTOR’S NAME, DEBT SETTLEMENT
REFERENCE: → DATE (NO PUNCTUATION)
Accounts Receivable Management FIDEM is a registered trademark of TERNIS d.o.o
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