Så undviker du smslån
Antalet obetalda smslån ökar kraftigt, men det finns andra sätt att “låna” samma belopp till bättre villkor.
Kronofogdemyndigheten fick in 36 000 ansökningar om betalningsföreläggande avseende smslån under 2008 och antalet ansökningar ökar kraftigt, skriver DN. I de flesta fall innebär detta att personen får en betalningsanmärkning.
Ett ökat antal obetalda smslån behöver visserligen sättas i relation till det totala antalet smslån, som förmodligen också ökar. Om du lånar en tusenlapp eller två till ockerräntor för en kväll på krogen eller liknande hjälper inte det här tipset.
Med rådande finanskris misstänker jag att smslån kan vara en utväg för att betala privata räkningar när räkningshögen blev större än normalt och lönen kanske lite mindre av någon anledning, exempelvis sjukdom. Det brukar ofta gå bra att tillfälligt låna pengar - ibland räntefritt - istället för ett dyrt smslån. Kontakta fordringsägaren och begär anstånd. Du bör göra detta innan fakturan förfallit till betalning, men bättre sent än aldrig. De allra flesta företag låter dig skjuta upp betalningen i en vecka eller till nästa månad om det inte är något du satt i system. Vissa företag debiterar dröjsmålsränta ändå, men många är snälla och låter bli. Har du beviljats anstånd får du inte heller någon påminnelse och ingen påminnelseavgift att betala.
Du kan alltså “låna” pengar av de företag du gör affärer med.
October 19th, 2010 at 7:49 pm
[…] En mycket bättre lösning är att prata direkt med fordringsägaren. Har du inte betalt mobilfakturan kan du alltid börja med att kontakta mobiloperatören och be att få skjuta på betalningen. Läs mer i inlägget Så undviker du smslån. […]
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