Disputing a payment demand from a debt collection agency or the Swedish Enforcement Authority
As long as you dispute every stage of the debt collection process, you will not get a poor credit rating – not even if it ends up in court and you lose your case. You will only get a poor credit rating if the Swedish Enforcement Authority renders a decision in the case.
Disputing a debt collection notice
Even if you have disputed an invoice, the foreign company that you are in dispute with may nonetheless forward its claim to a debt collection agency. If you receive a debt collection notice then dispute this in the same way as the invoice. Explain why you are disputing the debt collection notice and enclose a copy of the previous notice of dispute. Send your notice of dispute to the debt collection agency and remember to keep a copy for your own reference.
In Sweden, it is considered good debt collection practice not to recover a debt that has already been disputed. If the company you are in dispute with violates this practice, you can report it to the Swedish Data Inspection Authority (in Swedish).
Disputing a European payment order from the Swedish Enforcement Authority
Even if you have disputed a debt collection notice, the foreign company you are in dispute with may still forward its claim to the Swedish Enforcement Authority. If this is the case, the Swedish Enforcement Authority will serve you with a notice and a European payment order.
In order to dispute the European payment order, you must fill in a form “F”. Send your completed form F to the Swedish Enforcement Authority within 30 days from being served with the notice. Remember to keep a copy for your own reference.
Once the Swedish Enforcement Authority is in receipt of your completed form F, the case will either be dismissed or handed over to the District Court.
- Visit the Swedish Enforcement Authority for more information about payment order
- Form F – Disputing a European payment order
Disputing a European payment order issued by a foreign court
In some cases, the company you are in dispute with may ask the court in the country in which it is located to issue a payment order. Service of notice is then carried out by the County Administrative Board of Stockholm which is a central authority for international service of documents.
If you are served with a notice from the County Administrative Board of Stockholm, you should dispute this in the same way as the European payment order. Please note, however, that you must send your notice of dispute to the Court and not to the Swedish Enforcement Authority.
Once the Court is in receipt of your notice of dispute, the case will either be dismissed or handed over to the District Court.
Film: Guidance on how to complete form F for submission to the court
Watch the film in full screen mode on Youtube (in Swedish).
For more information on how to dispute an incorrect invoice, a debt collection notice or payment order, visit the Swedish Police website and www.bestrid.nu (in Swedish). Here, you will also find information about what happens once you have disputed a payment order from the Swedish Enforcement Authority.