(I didn't get a chance to write more in the daytime...sorry about that...but I continue now 22.25hrs)
hehe...so, what do I want to write now? Well, actually I could write about yesterday since it was really a weird weird day....it all started well - Mumbi slept the whole night without waking up, that was the first time for real and it felt so good...I felt so rested in the morning. We took Isabella to daycare and then I decided to pay some bills and inform the debt collectors that I have paid and that I am sorry it was a bit late...well what do I get in reply...that they have already taken me to the debt collector who even puts my name to the "black list"...I begged really that they would understand my situation and wouldn't do like that since I paid them now some, but it didn't help. Then another thing...Sergel (I think most of you know what Sergel is..atleast Finns and Swedes know) had send me a bill that I had already paid...so I contacted them and told that I hv paid and even proofed it with a bank statement....what do they say...they write that the money that was paid from my husbands account has been put to his debts!!!! I was like....WHAAAAT?!?!...how can they do like that even though I have put reference number and everything correctly...they just say that it was wrong and bla bla bla...I fought with them the whole day until I told them that I will sue them if they don't correct this now...I also demanded to see all the payments that me and Phares have ever paid them....but no answer...until today...today they told that they have done an exception now and put the payment to the right bill....THANK YOU LORD for that...there came the justice but I still want to go ahead and see how and why they can do such things....that is if we put a payment to Finland with the information that is in their bill, they decide to take the money to some other without informing us...is that really fair?? legal???....I was shocked!! And my mum then found some interesting information about Sergel and other debt collectors...here is some link (it is in Finnish, but maybe those who don't understand can translate it somehow) that I want everyone to look into and start checking that you don't just pay whatever bill you get...check them carefully!!!!
Oikeus ja kohtuus
And here is some copy of the debt collection law in Finnish:
ettei perinnässä saa antaa vääriä tai harhaanjohtavia tietoja maksujen laiminlyönnin
seuraamuksista, ei saa aiheuttaa velalliselle kohtuuttomia tai tarpeettomia kuluja eikä
haittaa ja lisäksi ei saa vaarantaa velallisen yksityisyyden suojaa. Käytännössä tämä
tarkoittaa sitä, että esimerkiksi maksuhäiriömerkinnällä ei ole luvallista ”pelotella”
velallista, jos todellisuudessa perusteita maksuhäiriömerkinnälle ei ole olemassa. Perintäkulujen tulee myös pysyä kohtuullisina eikä esimerkiksi velalliselle saa lähettää
useita maksumuistutuksia lyhyin väliajoin ja laskuttaa tästä ns. turhaan. Lisäksi jos
velallisella on useita samanaikaisia velkoja, tulee niitä mahdollisuuksien mukaan yhdistää ja näin vähentää kuluja. Tarpeettomaksi haitaksi voidaan katsoa esimerkiksi
puhelinperintä normaalista poikkeavana ajankohtana, esim. juhlapyhinä tai ilta- ja
yöaikaan. Yksityisyyden suojaa taas loukataan esimerkiksi ilmoittamalla ulkopuoli- 16
sille maksuhäiriöistä tai jos perintää tehdään huomiota herättävällä tavalla, kuten
painattamalla maksumuistutus tai maksuvaatimus kirjekuoriin. (Laki saatavien perinnästä 4§; Rikalainen & Uitto 2008, 201–203.)
Debt collection law emphasizes, above all, a good practice in the collection. The law regulates,
that the recovery may make a false or misleading information to the default on payment
penalties, shall not cause the debtor unreasonable or unnecessary costs or
harm, and in addition to not jeopardize the debtor's right to privacy. In practice, this
means that, for example, a payment default entry is not permitted to "intimidate"
the debtor, if the criteria maksuhäiriömerkinnälle actually does not exist. Recovery costs will also remain reasonable and not for example, the debtor may be sent
several reminders at short intervals, and this so-called bill. to no avail. Furthermore, if the
the debtor has multiple concurrent creditor, will, where possible, be combined so as to reduce costs. Unnecessary harm can be considered, for example
phone out of the ordinary at the time of collection, such as holidays or evenings and
during the night. While violating the privacy example, a statement outside-16
the payment defaults or if the recovery is prominent way, such as
by printing a payment reminder or demand for payment envelopes. (The law on debt collection § 4; Rikala kind & Uitto 2008, 201-203.)
Well, thats that for now...even other weird things happened yesterday and we were even discussing with Phares about it in the evening and thought that maybe this 25th of September has some karma in it and we just don't know about it....has there been some strange incidents in the past on this specific day??
Anyone who is interested, can check the history of 25th of September:
History of 25th day of September
Well well....I better stop this now...today was a rainy day but not in my heart....my heart and head was feeling good even after the small headache in the morning...:) and tomorrow we go for a small cruise with my children and my mum...that will be so much fun! :) I'm loooving it! :)