At Arslan Advocaten we help clients who are still experiencing inconvenience from a negative BKR registration after a debt settlement or WSNP. We investigate whether the registration is correct and - where possible - submit a request for deletion to the bank or lender involved.
Why does a BKR registration remain after WSNP?
After a successfully completed process, debts are waived, but the negative registration often remains visible for five years in the Central Credit Information System (CKI) of the BKR Foundation. Banks use this period to assess whether someone remains financially stable. In practice, however, this period is often too onerous.
When is removal or shortening possible?
A BKR registration must always meet the requirements of proportionality and necessity on the basis of the GDPR. Removal or reduction is possible if:
- the WSNP or debt settlement has been successfully completed;
- you have not had any new debts or payment problems since then;
- you are financially stable (fixed income, savings, good payment behavior);
- the registration disproportionately hinders your life (mortgage, rent, work);
- the lender no longer has a reasonable interest in enforcement.
Step-by-step plan: This is how you delete a BKR registration after debt settlement or WSNP
1. Check your registration
Request your current details via bkr.nl. This way you know exactly which registrations are still visible and who placed them.
2. Collect evidence of financial stability
Keep pay slips, employer statements, repayment slips and other documents showing that you have your financial affairs in order.
3. Submit a request to the lender
Request in writing for removal or shortening of the registration and explain why it is disproportionate. Add supporting documents and refer to your completed process.
4. Complaint to KiFiD or judge
Does the lender refuse? Then file a complaint with the Financial Services Complaints Institute (KiFiD) or start a civil procedure. In many cases it is judged that the registration should be shortened or deleted.
Consequences of a negative registration
- Rejection of mortgage or loan applications;
- Problems with rental contracts or lease agreements;
- Difficulties with business financing;
- Stress and reputational damage.
Because the WSNP is intended for a new start, a permanent negative registration is often incompatible with that purpose.
How does Arslan Advocaten help?
- We investigate whether your registration is correct;
- We submit a reasoned request for deletion or shortening;
- We litigate with KiFiD or the judge if necessary;
- We recover the costs from the lender where possible.
Our lawyers combine expertise in financial law and privacy law with extensive experience in BKR cases, so that your chances success is significantly greater.
Frequently asked questions about BKR and debt settlement
How long does a BKR registration remain after WSNP?
Five years after completion. After that, the registration will automatically disappear, unless you request deletion earlier because it is disproportionate.
Can I get a mortgage immediately after WSNP?
Usually not as long as the registration is visible. This can be done more quickly with a well-substantiated removal request.
What if my bank rejects my request?
Then you can enforce removal via KiFiD or the civil court. This often works if you can prove that you are debt-free.
Is legal assistance free of charge?
Often it is. We try to recover the costs from the institution involved, so that you do not pay anything yourself.
Do you have any questions or need immediate help?
Please feel free to contact Arslan Advocaten. We help you to delete your BKR registration after WSNP or debt settlement, so that you can really start over.