The fact that many Swedes are indebted is something that we are aware of. In fact, the debt mountain at Dingloan is worth about SEK 66 billion to the public sector! But where do all these debts come from? Many people believe that all debts are the result of a poor and unstable economy, but it need not be at all. In fact, the most common debts currently come from something as small as an unpaid radio and TV fee.
Unpaid bills that turn into debts at Dingloan are a sure way to get payment remarks. Payment notes can, in turn, complicate a lot of steps when it comes to, for example, subscribing, shopping on an invoice or being granted a loan. Fortunately, more and more lenders are showing up that are beyond payment remarks, but they are still a major problem and something that should be kept away.
If you want to read more about the loan despite the payment note, you can click here.
Radio and TV fee – the most common debt among Swedes
As many as 98,630 Swedes have currently made payment notes and ended up at Dingloan due to radio and TV fees. The massive debt relief due to these unpaid fees amounts to as much as SEK 1.1 billion and in many cases this is the only debt the person has.
But why does no one pay this fee? It is a very good question but no matter what answer this question has, the outcome is the same, namely a payment note. You may think that the payment note because of this debt should be “better” than, for example, a tax debt, but a payment note is always a payment note.
The fee can be turned into a tax
At the end of the summer, the inquiry presented a public service proposal that the radio and TV license should be converted into a predetermined tax, such as the funeral fee. The tax should simply be paid, but it should be dealt with outside the state budget.
It is simply believed that fewer Swedes will incur unnecessary payment remarks if the radio and TV fee is paid in a different way. Whether this proposal will develop into something more remains to be seen.
Other common causes of debt
- In second place over the most common debts we find unpaid taxes. Here the debt is just over SEK 18 billion and it is divided into 91 358 people.
- Student tuition fees are in third place and this is simply about people who do not repay their student loans to CSN on time. As a result, the debt eventually ends up at Dingloan and at present 87 878 people have such a debt. The debt amounts to SEK 1.8 billion.
- In fourth place we find unpaid fines of various kinds. Here, the debt is around SEK 450 million and this sum is divided over 83 215 people.
Maintenance support – the most common cause of payment complaints
A debt that stands out on the list of the most common causes of debt is maintenance support. This is the amount one parent pays to the other parent after a separation. Today, the debt amounts to as much as SEK 1.2 billion and 36 417 people are indebted because of this.
Why this debt is most often presented as the most common reason for payment complaints is because the maintenance support is paid monthly. If you do not pay, a new case will be created next month and you also have several children, the cases grow rapidly in number and size.
Address the problem in time
One thing that is very common when it comes to bills is ignoring them. Instead of grabbing the thing, you close your eyes and hope that the problem will solve itself. The bills turn into reminders that become debt collection claims that become debtors’ debts. In other words, it only gets more expensive and more expensive, so you should address the problem as soon as possible to try to find a solution.
The very best thing you can do is to contact the person owed money and explain what the situation looks like. You should do this immediately when you realize that you will have trouble paying. This way, hopefully you can agree on a solution together and get the problem resolved before it goes too far. A installment plan, adapted to your finances, is not impossible to be granted. This can reduce the risk of drawing unnecessary remarks that may put you off in the future.