Wet normering buitengerechtelijke incassokosten (deel 2 van 2)
Incassokosten zijn per 1 juli 2012 wettelijk vastgelegd.
Het was voor 1 juli 2012 niet geregeld hoeveel incassokosten een Nederlands incassobureau in rekening mocht brengen. De incassokosten moesten echter wel in verhouding staan met het factuurbedrag.
Voor een factuur van 20 euro was bijvoorbeeld 150 euro aan incassokosten onredelijk. 300 euro incassokosten in rekening brengen voor één telefoontje is ook niet redelijk, ook al stond dit bedrag in verhouding met het factuurbedrag.
Wat verandert er nou eigenlijk?
De grootste verandering ten opzichte van de huidige situatie is dat de incassokosten per 1 juli 2012 wettelijk zijn vastgelegd. Incassokosten zijn de kosten tot aan de rechtbank. Op het moment dat er een dagvaarding wordt uitgebracht, zullen er meerdere kosten bijkomen, zoals het uitbrengen van de dagvaarding en griffierecht.
De schuldeiser moet nog een keer aanmanen wil hij de incassokosten kunnen verhalen op de schuldenaar.
Art. 6:96 lid 5 BW:
“De vergoeding (…) kan (…) eerst verschuldigd worden nadat de schuldenaar na het intreden van het verzuim, (…) vruchteloos is aangemaand tot betaling binnen een termijn van veertien dagen, (…).”
Incassobureau’s die bij consumenten onredelijk hoge incassokosten in rekening brengen zijn per 1 juli 2012 in overtreding.
Waarmee moet je rekening houden?
- De schuldeiser is verplicht om een schriftelijke aanmaning te sturen voordat hij een incassobureau mag inschakelen.
- - De schuldenaar moet na het overschrijden van een betalingstermijn minimaal 14 dagen de tijd krijgen om een factuur te voldoen zonder kostenverhoging.
- - De schuldenaar moet op de hoogte worden gesteld over de hoogte van de naderende incassokosten en de consequenties bij het uitblijven van betaling.
- - Alle kosten die aan een schuldenaar worden doorberekend ten behoeve van het incasseren van de vordering zijn onderdeel van de incassokosten.
- - De wet geldt op dit moment voor consumenten en bedrijven. Er wordt op deze wet teruggevallen als er geen geldende algemene voorwaarden van toepassing zijn tussen bedrijven.
Wat zijn de eisen?
Vanaf 1 juli 2012 zijn er nieuwe eisen waar een herinnering of aanmaning aan moet voldoen.
Consumenten en bedrijven moeten na het verstrijken van een betalingstermijn minimaal één schriftelijke aanmaning hebben
ontvangen en minimaal 14 dagen de tijd krijgen om de factuur alsnog te betalen. Hiervoor mag je geen kosten in rekening brengen (lees: geen administratiekosten of iets dergelijks in rekening brengen).
Het is per 1 juli 2012 tevens verplicht om de exacte hoogte van de naderende incassokosten te vermelden. Vermeld je dat niet dan mag men voor consumenten geen incassobureau (en dus) geen incassokosten in rekening brengen.
Waar moet een aanmaning voor consumenten aan voldoen?
Na het verstrijken van een betalingstermijn moet de consument of het bedrijf minimaal één schriftelijke aanmaning ontvangen hebben, voordat je een incassobureau mag inschakelen;
- De consument of het bedrijf moet worden geïnformeerd over de gevolgen van een niet tijdige betaling;
- De consument of het bedrijf moet minimaal 14 dagen de tijd krijgen om de factuur alsnog te betalen, zonder kostenverhoging;
- Wanneer de consument of het bedrijf niet binnen 14 dagen betaald heeft, mag je een incassobureau inschakelen.
Vermeld in de aanmaning de exacte incassokosten die in rekening worden gebracht wanneer de factuur niet binnen 14 dagen wordt betaald. Doe je dat niet dan mogen er geen incassokosten in rekening worden gebracht.
Hulp nodig?
Heeft u hulp nodig met het automatiseren of aanpassen van uw facturen?
Neem dan gerust contact op via de contactpagina.
Met dank aan: De Nederlanden informatie- en incassobureau (www.denederlanden.nl)
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