At Arslan Advocaten we help clients who are dealing with an incorrect or excessive BKR registration by telecom companies or leasing companies. We ensure that the registration is investigated, adjusted or deleted - often at no cost to you, because we recover the costs from the responsible party.
Why do you receive a BKR registration from a telephone provider?
Since 2017, telephone subscriptions with device credit of more than €250 have been formally loans. Providers such as KPN, Vodafone, T-Mobile or Hollandsnieuwe are therefore obliged to report these loans to the Credit Registration Bureau (BKR). If payment arrears arise, a negative registration will follow (A coding). This notification will then remain visible for five years - even if the backlog is cleared later.
Private lease and BKR registrations
The risk is similar with private lease. The monthly lease price is seen as a credit obligation. The leasing company registers this with the BKR and can immediately submit a negative report in the event of payment arrears. This makes it much more difficult to take out a mortgage or loan later.
When is the registration unjustified or disproportionate?
In many cases a registration is not justified or too burdensome. Consider:
- the provider made an error when processing your payment;
- the arrears were small or only temporary;
- you made up for the arrears a long time ago;
- the registration seriously hinders you, for example when buying a home;
- the provider has not assessed your situation individually.
In such situations, the registration may be contrary to the GDPR and the principle of proportionality. This means that the telecom provider or leasing company must weigh your interest against their interest in maintaining the registration.
What are your rights in the event of an incorrect registration?
- You are entitled to inspect your BKR data via bkr.nl.
- You can submit a request for correction to the provider or leasing company.
- You can submit a removal request if the registration is no longer proportionate.
- You are entitled to a reasoned decision on your request.
How can you have a negative BKR registration removed?
1. Request your details
You can request your overview free of charge via bkr.nl. Check whether the registration is correct and who posted it.
2. Submit a request to the provider or leasing company
Write a motivated letter explaining why the registration is incorrect or disproportionate. Attach receipts and other relevant documents. Keep it businesslike and clear.
3. Escalate if rejected
If your request is rejected, you can file a complaint with the Financial Services Complaints Institute (KiFiD) or enforce removal through the courts. In many cases it is then determined that the registration must be deleted or shortened.
Consequences of a negative registration
- Rejection of mortgages, loans and lease agreements;
- Problems with rental or telephone contracts;
- Financial stress and reputational damage.
The consequences are often more serious than the original backlog. That is why it must always be carefully checked whether the registration is still proportionate.
How does Arslan Advocaten help?
- We analyze your BKR registration;
- We draft a motivated request for correction or deletion;
- We litigate at KiFiD or the court if necessary;
- We recover the costs from the responsible institution where possible, so that our help can be free of charge for you.
Our lawyers combine knowledge of financial law and privacy law with extensive experience in BKR matters. This way we significantly increase your chance of success.
Frequently asked questions about BKR registration for telephone or lease
Can I have a BKR registration removed from a telephone provider?
Yes. If the registration is not justified or too heavy, you can submit a deletion request. This is often successful if you demonstrate that the backlog was old or limited.
How long does a negative registration remain visible?
Five years after the backlog has been cleared. In special cases, this period can be shortened.
Does this also apply to private lease?
Yes. Private lease contracts are also reported to the BKR. Payment problems can therefore lead to a registration.
What does Arslan Advocaten do?
We assess your situation, draw up a motivated request and ensure that the registration is deleted or shortened. Often at no cost to you.
Do you have any questions or need immediate help?
Please feel free to contact Arslan Advocaten . We help you have your BKR registration removed from a telephone provider or leasing company, so that you can continue without any obstacles.