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Problem is the invoice itself is real. You have to contest it actively to the debt collector and give at least some evidence as to why the debt is invalid. If y
by vesinisa 5y ago
Problem is the invoice itself is real. You have to contest it actively to the debt collector and give at least some evidence as to why the debt is invalid. If you do not actively contest the collection, it will soon end up in court. This is a very routine case for a district judge where they will give a default judgement in favor of the plaintiff.
The problem is that the law in Finland is written so that even if the collection is baseless the supposed debtor needs to actively manage it or end up in legal jeopardy. Which is rather unfair if you are a victim of identity theft.
- beagle3 5y agoThis was probably already common fraud in Finland before Klarna if that’s what the law says - but Klarna would be a crazy force multiplier for the fraudsters and no help for the defrauded, so it becomes a much more pressing issue. (No knowledge of the details, just speculation based on the discussion here)
- tappio 5y agoNordics have really poor laws around this. We have these payday loan companies that work under the same principle. Klarna just found a way to conveniently do the same. It is easier to capture buyers at the counter rather than before the counter. Effectively Klarna is a payday loan company in the Nordics and has nothing to do with easy checkout. In fact, they used to offer kickbacks to merchants, so every time someone chose Klarna invoice they would pay the merchant instead of charging for it, because they get so good profit from the individuals due to poor laws.
- beagle3 5y ago... and as always, trust works really well, despite the occasional fraud, until someone finds a way to exploit it at industrial scale. And then it fails spectacularly.