Information for recipients of a letter

Have you received a letter?

You have received a letter from us because we have been instructed by the creditor to manage your invoice or debt collection claim. Here you will find answers to common questions.

Questions & answers

Choose a category below to find answers quickly.

If anything in the invoice is incorrect, such as the amount, please contact the creditor directly.

If you received a reminder it means we have not received your payment in time. It is important to pay what is outstanding, usually the reminder fee of SEK 60. Otherwise the case may proceed to debt collection.

At present we only offer payment via bank giro using an OCR reference number.

The bank giro number and OCR reference are stated in the letter you received. Always use the OCR number as the reference when paying.

An invoice is the original payment request from the creditor. A debt collection demand is sent if the invoice is not paid on time and the case is passed for collection handling.

You pay via bank giro with the OCR reference number stated in the letter. The same OCR number always applies to a specific case.

Yes, in many cases. Contact us as early as possible and we will try to find a solution adapted to your situation.

Contact us. We always look at the possibility of partial payment or a temporary arrangement before proceeding with the case.

Bank giro payments are normally registered within 1–2 banking days. Contact us if you are unsure whether your payment has been received.

If the debt is not paid the case may be passed to the Swedish Enforcement Authority (Kronofogden) or a court. Additional fees may then apply.

If you paid the original invoice amount to the creditor, it is important to pay the remaining balance directly to us.

In most cases we can offer an instalment plan. Contact us and we will review the conditions for your specific case.

Contact us and we can look at the possibility of recalling the case from Kronofogden and setting up an instalment plan that suits your situation.

When we receive full payment a withdrawal is automatically sent to Kronofogden, but it may take a few days before they close the case.

Call us on 08-121 389 70 or email info@cready.se.

Yes, we always process personal data in accordance with GDPR. Read more in our privacy policy.

Cready is a debt collection company licensed by the Swedish Financial Supervisory Authority (Finansinspektionen).

Contact us directly – we are happy to help. Please have the case number from the letter ready so we can respond more quickly.