{"id":113826,"date":"2022-11-22T15:38:03","date_gmt":"2022-11-22T15:38:03","guid":{"rendered":"https:\/\/fidem.si\/for-debtors\/"},"modified":"2026-03-24T13:32:15","modified_gmt":"2026-03-24T13:32:15","slug":"for-debtors","status":"publish","type":"page","link":"https:\/\/fidem.si\/en\/for-debtors\/","title":{"rendered":"For debtors"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_height_percent=&#8221;0&#8243; back_image=&#8221;111822&#8243; back_repeat=&#8221;no-repeat&#8221; back_attachment=&#8221;scroll&#8221; back_position=&#8221;right top&#8221; overlay_alpha=&#8221;0&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; enable_bottom_divider=&#8221;default&#8221; shape_bottom_h_use_pixel=&#8221;&#8221; shape_bottom_height=&#8221;65&#8243; shape_bottom_opacity=&#8221;100&#8243; shape_bottom_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;759313&#8243; back_color_type=&#8221;uncode-gradient&#8221; css=&#8221;.vc_custom_1671450890975{padding-top: 100px !important;padding-bottom: 60px !important;}&#8221; shape_bottom_color_type=&#8221;uncode-solid&#8221; shape_bottom_color_solid=&#8221;#ffffff&#8221; back_size=&#8221;800px&#8221; el_class=&#8221;slider-naslovna gradient-new-stil&#8221; back_color_gradient=&#8221;{&#8220;css&#8220;:&#8220;background: linear-gradient(to top , rgb(28, 57, 84) 17% , rgb(47, 74, 98) 91%);&#8220;,&#8220;sliders&#8220;:`{`{&#8220;color&#8220;:&#8220;rgb(28, 57, 84)&#8220;,&#8220;position&#8220;:17},{&#8220;color&#8220;:&#8220;rgb(47, 74, 98)&#8220;,&#8220;position&#8220;:91}`}`,&#8220;type&#8220;:&#8220;linear&#8220;,&#8220;direction&#8220;:&#8220;bottom&#8220;}&#8221;][vc_column column_width_use_pixel=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;181645&#8243; column_width_pixel=&#8221;1240&#8243;][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;754401&#8243; css=&#8221;.vc_custom_1663955212213{padding-bottom: 50px !important;}&#8221;][vc_column_inner column_width_percent=&#8221;100&#8243; position_horizontal=&#8221;left&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;461530&#8243;][vc_custom_heading heading_semantic=&#8221;h1&#8243; text_size=&#8221;fontsize-690098&#8243; text_weight=&#8221;700&#8243; sub_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;945301&#8243; text_color_type=&#8221;uncode-solid&#8221; text_color_solid=&#8221;#ffffff&#8221; el_class=&#8221;headerNaslov&#8221;]For DEBTORS[\/vc_custom_heading][vc_column_text text_lead=&#8221;yes&#8221; text_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;102710&#8243; text_color_type=&#8221;uncode-palette&#8221; el_class=&#8221;header-klasik-opis&#8221;]Let\u2019s find a solution together<br \/>\nto our mutual satisfaction.[\/vc_column_text][vc_button wide=&#8221;yes&#8221; text_skin=&#8221;yes&#8221; custom_typo=&#8221;yes&#8221; font_family=&#8221;font-377884&#8243; font_weight=&#8221;100&#8243; text_transform=&#8221;uppercase&#8221; border_width=&#8221;0&#8243; uncode_shortcode_id=&#8221;133182&#8243; el_class=&#8221;header-cta-gumb&#8221; button_color_type=&#8221;uncode-solid&#8221; link=&#8221;url:%23forma|&#8221; width=&#8221;410&#8243; button_color_solid=&#8221;rgba(0,0,0,0.01)&#8221;]Get a free opinion.[\/vc_button][vc_column_text uncode_shortcode_id=&#8221;835708&#8243;]<\/p>\n<div class=\"scroll-down-puscica-staticna\"><a href=\"#dolzniki\"><img decoding=\"async\" class=\"scrolldown-pusica\" src=\"\/wp-content\/uploads\/2023\/03\/FIDEM_Upravljanje_terjatev_ikona_.scrolldownsvg.svg\" alt=\"Ikona scroll down\" \/><\/a><\/div>\n<div class=\"scroll-down-puscica\"><a href=\"#dolzniki\"><img decoding=\"async\" class=\"scrolldown-pusica\" src=\"\/wp-content\/uploads\/2023\/03\/FIDEM_Upravljanje_terjatev_ikona_.scrolldownsvg.svg\" alt=\"Ikona scroll down\" \/><\/a><\/div>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;201936&#8243; back_color_type=&#8221;uncode-palette&#8221; css=&#8221;.vc_custom_1679495312436{padding-top: 25px !important;padding-bottom: 25px !important;}&#8221; el_id=&#8221;dolzniki&#8221;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;829893&#8243; el_class=&#8221;dolzniki-tabela-new&#8221;][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;856263&#8243;][vc_column_inner column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;959096&#8243;][vc_custom_heading text_color=&#8221;color-210407&#8243; text_size=&#8221;fontsize-553148&#8243; text_weight=&#8221;700&#8243; separator_color=&#8221;yes&#8221; separator=&#8221;yes&#8221; uncode_shortcode_id=&#8221;372327&#8243; text_color_type=&#8221;uncode-palette&#8221;]Have you been informed that claims against you<br \/>\nhave been assigned to our company?[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_accordion typography=&#8221;yes&#8221; sign=&#8221;plus&#8221; gutter_simple=&#8221;0&#8243; active_tab=&#8221;0&#8243; el_class=&#8221;vprasanja-tabela special-cursor-custom&#8221; uncode_shortcode_id=&#8221;156615&#8243;][vc_accordion_tab gutter_size=&#8221;2&#8243; column_padding=&#8221;2&#8243; title=&#8221;What does this mean?&#8221; tab_id=&#8221;1665324381563-10-41668507279643&#8243;][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;181120&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-abc-tekst\">In such a case, we talk about a legal transaction of assignment\/transfer of claims, where:<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;218293&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">&#8211;<\/p>\n<p class=\"dolzniki-lista-num-tekst\">the debtor\u2019s 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);<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;507146&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">&#8211;<\/p>\n<p class=\"dolzniki-lista-num-tekst\">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).<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;672696&#8243;]<\/p>\n<p class=\"dolzniki-klasicen-odgovor\">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.<\/p>\n<p>[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab gutter_size=&#8221;2&#8243; column_padding=&#8221;2&#8243; title=&#8221;What should you do?&#8221; tab_id=&#8221;1665324606701-13-11668507279643&#8243;][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;135491&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-abc-tekst\">What should you do?<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;145592&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">&#8211;<\/p>\n<p class=\"dolzniki-lista-num-tekst\">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.<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;148929&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">&#8211;<\/p>\n<p class=\"dolzniki-lista-num-tekst\">You can also contact us at any time for further information. Our contact details can be found at the bottom of our website.<\/p>\n<\/div>\n<p>[\/vc_column_text][\/vc_accordion_tab][\/vc_accordion][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;163206&#8243; back_color_type=&#8221;uncode-palette&#8221; css=&#8221;.vc_custom_1679495319758{padding-bottom: 25px !important;}&#8221;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;169485&#8243; el_class=&#8221;dolzniki-tabela-new&#8221;][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;640975&#8243;][vc_column_inner column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;959096&#8243;][vc_custom_heading text_color=&#8221;color-210407&#8243; text_size=&#8221;fontsize-553148&#8243; text_weight=&#8221;700&#8243; separator_color=&#8221;yes&#8221; separator=&#8221;yes&#8221; uncode_shortcode_id=&#8221;253638&#8243; text_color_type=&#8221;uncode-palette&#8221;]Have you received a Notice of assumption of claims and change of creditor<br \/>\nfrom us in your mailbox or by email?[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_accordion typography=&#8221;yes&#8221; sign=&#8221;plus&#8221; gutter_simple=&#8221;0&#8243; el_class=&#8221;vprasanja-tabela special-cursor-custom&#8221; active_tab=&#8221;0&#8243; uncode_shortcode_id=&#8221;786869&#8243;][vc_accordion_tab gutter_size=&#8221;2&#8243; column_padding=&#8221;2&#8243; title=&#8221;What does this mean?&#8221; tab_id=&#8221;1669219629-1-41&#8243;][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;767439&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-abc-tekst\">The Notice of assumption of claims and change of creditor is a document by means of which we:<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;884243&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">&#8211;<\/p>\n<p class=\"dolzniki-lista-num-tekst\">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;<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;159902&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">&#8211;<\/p>\n<p class=\"dolzniki-lista-num-tekst\">provide you with an accurate statement of the debt to be settled\/paid;<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;180454&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">&#8211;<\/p>\n<p class=\"dolzniki-lista-num-tekst\">ask you to settle the debt and provide you with the payment details;<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;331854&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">&#8211;<\/p>\n<p class=\"dolzniki-lista-num-tekst\">provide you with our contact details for further coordination.<\/p>\n<\/div>\n<p>[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab gutter_size=&#8221;2&#8243; column_padding=&#8221;2&#8243; title=&#8221;What should you do?&#8221; tab_id=&#8221;1669219629-2-3&#8243;][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;104780&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-abc-tekst\">What should you do?<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;115252&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">1.<\/p>\n<p class=\"dolzniki-lista-num-tekst\">If you consider the debt to be <b>UNDISPUTED<\/b>:<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;176305&#8243; css=&#8221;.vc_custom_1677837885969{margin-left: 25px !important;}&#8221;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">&#8211;<\/p>\n<p class=\"dolzniki-lista-num-tekst\"><b>and you are able to settle it<\/b>, settle it immediately in the amount and by using the details specified in the Notice of assumption of claims and change of creditor.<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;791046&#8243; css=&#8221;.vc_custom_1677837899028{margin-left: 25px !important;}&#8221;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">&#8211;<\/p>\n<p class=\"dolzniki-lista-num-tekst\"><b>and you are not able to settle it<\/b>, 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.<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;304744&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">2.<\/p>\n<p class=\"dolzniki-lista-num-tekst\">If you consider the debt to be <b>DISPUTED,<\/b> immediately contact the legal and financial advisor listed in the Notice of assumption of claims and change of creditor.<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;205420&#8243;]<\/p>\n<p class=\"dolzniki-klasicen-odgovor\">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.<\/p>\n<p>[\/vc_column_text][\/vc_accordion_tab][\/vc_accordion][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;136154&#8243; back_color_type=&#8221;uncode-palette&#8221; css=&#8221;.vc_custom_1679495326587{padding-bottom: 25px !important;}&#8221;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;303578&#8243; el_class=&#8221;dolzniki-tabela-new&#8221;][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;656450&#8243;][vc_column_inner column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;959096&#8243;][vc_custom_heading text_color=&#8221;color-210407&#8243; text_size=&#8221;fontsize-553148&#8243; text_weight=&#8221;700&#8243; separator_color=&#8221;yes&#8221; separator=&#8221;yes&#8221; uncode_shortcode_id=&#8221;147988&#8243; text_color_type=&#8221;uncode-palette&#8221;]Did we call you or contact you in any other way?[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_accordion typography=&#8221;yes&#8221; sign=&#8221;plus&#8221; gutter_simple=&#8221;0&#8243; el_class=&#8221;vprasanja-tabela special-cursor-custom&#8221; active_tab=&#8221;0&#8243; uncode_shortcode_id=&#8221;638338&#8243;][vc_accordion_tab gutter_size=&#8221;2&#8243; column_padding=&#8221;2&#8243; title=&#8221;What does this mean?&#8221; tab_id=&#8221;1669220187-1-23&#8243;][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;183020&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-abc-tekst\">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.<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;208055&#8243;]<\/p>\n<p class=\"dolzniki-klasicen-odgovor\">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.<\/p>\n<p>[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab gutter_size=&#8221;2&#8243; column_padding=&#8221;2&#8243; title=&#8221;What should you do?&#8221; tab_id=&#8221;1669220187-2-62&#8243;][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;211249&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-abc-tekst\">What should you do?<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;595273&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">1.<\/p>\n<p class=\"dolzniki-lista-num-tekst\">If you consider the debt to be <b>UNDISPUTED<\/b>:<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;248207&#8243; css=&#8221;.vc_custom_1677838064133{margin-left: 25px !important;}&#8221;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">&#8211;<\/p>\n<p class=\"dolzniki-lista-num-tekst\"><b>and you are able to settle it<\/b>, settle it immediately in the amount and by using the details specified in the Notice of assumption of claims and change of creditor.<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;873672&#8243; css=&#8221;.vc_custom_1677838075533{margin-left: 25px !important;}&#8221;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">&#8211;<\/p>\n<p class=\"dolzniki-lista-num-tekst\"><b>and you are not able to settle it<\/b>, 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.<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;144504&#8243;]<\/p>\n<p class=\"dolzniki-klasicen-odgovor\">Any delay in repaying your debt means higher costs and interest for you, so take the matter seriously and deal with it promptly.<\/p>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;207887&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">2.<\/p>\n<p class=\"dolzniki-lista-num-tekst\">If you consider the debt to be <b>DISPUTED,<\/b> immediately contact the legal and financial advisor listed in the Notice of assumption of claims and change of creditor.<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;444451&#8243;]<\/p>\n<p class=\"dolzniki-klasicen-odgovor\">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.<\/p>\n<p>[\/vc_column_text][\/vc_accordion_tab][\/vc_accordion][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; 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gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;959096&#8243;][vc_custom_heading text_color=&#8221;color-210407&#8243; text_size=&#8221;fontsize-553148&#8243; text_weight=&#8221;700&#8243; separator_color=&#8221;yes&#8221; separator=&#8221;yes&#8221; uncode_shortcode_id=&#8221;553975&#8243; text_color_type=&#8221;uncode-palette&#8221;]Have you received one or more default notices by post?[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_accordion typography=&#8221;yes&#8221; sign=&#8221;plus&#8221; gutter_simple=&#8221;0&#8243; el_class=&#8221;vprasanja-tabela special-cursor-custom&#8221; active_tab=&#8221;0&#8243; uncode_shortcode_id=&#8221;982580&#8243;][vc_accordion_tab gutter_size=&#8221;2&#8243; column_padding=&#8221;2&#8243; title=&#8221;What does this mean?&#8221; tab_id=&#8221;1669221542-1-2&#8243;][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;133217&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-abc-tekst\">A default notice is a serious warning prior to enforcement\/legal proceedings. <b>The matter is extremely serious!<\/b><\/p>\n<\/div>\n<p>[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab gutter_size=&#8221;2&#8243; column_padding=&#8221;2&#8243; title=&#8221;What should you do?&#8221; tab_id=&#8221;1669221542-2-92&#8243;][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;402566&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-abc-tekst\">What should you do?<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;162327&#8243;]<\/p>\n<div style=\"display: flex; justify-content: start;\">\n<p class=\"dolzniki-lista-num\">&#8211;<\/p>\n<p class=\"dolzniki-lista-num-tekst\"><b>immediately<\/b> settle the debt in the amount and using the details specified in the default notices.<\/p>\n<\/div>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;118094&#8243;]<\/p>\n<p class=\"dolzniki-klasicen-odgovor\">Your failure to cooperate has brought the matter to the brink of enforcement\/legal proceedings.<\/p>\n<p class=\"dolzniki-klasicen-odgovor\">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.<\/p>\n<p>[\/vc_column_text][\/vc_accordion_tab][\/vc_accordion][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;121671&#8243; css=&#8221;.vc_custom_1669679088804{padding-bottom: 25px !important;}&#8221;][vc_column width=&#8221;1\/1&#8243;][vc_row_inner][vc_column_inner column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; uncode_shortcode_id=&#8221;734879&#8243;][vc_custom_heading text_color=&#8221;color-482803&#8243; text_size=&#8221;fontsize-134016&#8243; text_weight=&#8221;700&#8243; uncode_shortcode_id=&#8221;567530&#8243; text_color_type=&#8221;uncode-palette&#8221;]Payment details:[\/vc_custom_heading][vc_column_text uncode_shortcode_id=&#8221;686986&#8243;]<\/p>\n<p class=\"dolzniki-naslov-ternis\">TERNIS d.o.o.<\/p>\n<p class=\"dolzniki-naslov-ternis-podnaslov\">Letali\u0161ka cesta 32, 1000 Ljubljana, Slovenija &#8211; EU<\/p>\n<p><strong>IBAN:<\/strong> SI56 6100 0000 8150 093<br \/>\n<strong>SWIFT BIC: <\/strong>HDELSI22<\/p>\n<p><strong>PURPOSE:<\/strong> \u2192 DEBTOR\u2019S NAME, DEBT SETTLEMENT<br \/>\n<strong>REFERENCE:<\/strong> \u2192 DATE (NO PUNCTUATION)<\/p>\n<p><strong>Accounts Receivable Management FIDEM is a registered trademark of TERNIS d.o.o<\/strong>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image media=&#8221;113825&#8243; media_width_use_pixel=&#8221;yes&#8221; alignment=&#8221;center&#8221; uncode_shortcode_id=&#8221;947882&#8243; media_width_pixel=&#8221;700&#8243; media_link=&#8221;url:https%3A%2F%2Ffidem.si%2Fwp-content%2Fuploads%2F2023%2F10%2FFidem-Upravljanje-terjatev-UPN-nalog-izpolnjen-TERNIS.jpg|title:UPN|target:_blank&#8221;][vc_column_text uncode_shortcode_id=&#8221;136051&#8243;]<a class=\"prenos-obrazca-link\" href=\"\/wp-content\/uploads\/2023\/10\/Fidem-Upravljanje-terjatev-UPN-nalog-izpolnjen-TERNIS.jpg\" target=\"blank\" rel=\"noopener\">DOWNLOAD the UPN form<\/a>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; enable_top_divider=&#8221;default&#8221; shape_top_h_use_pixel=&#8221;&#8221; shape_top_height=&#8221;50&#8243; shape_top_color=&#8221;color-xsdn&#8221; shape_top_opacity=&#8221;100&#8243; shape_top_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;207905&#8243; back_color_type=&#8221;uncode-solid&#8221; css=&#8221;.vc_custom_1677835927197{padding-top: 100px !important;padding-bottom: 50px !important;}&#8221; el_id=&#8221;forma&#8221; back_color_solid=&#8221;#22313f&#8221; shape_top_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_use_pixel=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;122426&#8243; column_width_pixel=&#8221;800px&#8221;][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;856965&#8243;][vc_column_inner column_width_use_pixel=&#8221;yes&#8221; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; radius=&#8221;xl&#8221; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;833032&#8243; back_color_type=&#8221;uncode-solid&#8221; css=&#8221;.vc_custom_1694422535961{padding-top: 20px !important;padding-right: 20px !important;padding-bottom: 20px !important;padding-left: 20px !important;}&#8221; column_width_pixel=&#8221;600px&#8221; el_class=&#8221;ninja-forms-forma-fidem&#8221; back_color_solid=&#8221;#22313e&#8221;][vc_single_image media=&#8221;114222&#8243; media_width_use_pixel=&#8221;yes&#8221; uncode_shortcode_id=&#8221;507410&#8243; media_width_pixel=&#8221;280&#8243;][vc_column_text uncode_shortcode_id=&#8221;235268&#8243;]<\/p>\n<p class=\"forma-naslov-spodnji\">Our opinion is free of charge, without any obligation or hidden costs for the inquirer.<\/p>\n<p class=\"forma-naslov-spodnji-izpolnite\">Fill in the details.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=&#8221;0&#8243; 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