Pair finance is a collections agency, if you owe them, it’s debt from a transaction with a different company. Been ignoring any bills?
Pair Finance is a debt collector. So you have outstanding debt that they try to collect for a third party.
Schufa is a credit scoring agency informing you they have an outstanding collections payment.
Any unopened letters?
Schufa is THE German credit score agency. They’re letting you know that the company in the letter informed them that there are payment irregularities from your side.
First of all give us informations why you seem not to pay your bills.
I don’t think it’s a scam, it’s probably a legit letter fom Schufa. And Pair Finance, after a quick search, seems to be as legit as a Debt Collector can be. So it probably makes sense to give them a call for the details about the Debt in your name.
The questions is did you have fulfilled all payments or do you have unpaid ones. I post a wikipedia link for you for Shufa.
Pair Finance is an Inkasso Service, that means someone (company/private person) has used this service for an unpaid contract of you. The amount metioned should be including fees so the original amount should be smaler. Just think about possible contracts.
This definitely looks like a legit letter from Schufa (actual phone number etc.). They are letting you know that this company claimed you have outstanding debt with them. Now there is two possible explanations for it:
1. You have unpaid invoices. You already mentioned you don’t think you have anything unpaid, but there is a possibility you have accidentally given a wrong IBAN or it wasn’t readable, a payment bounced because the account was overdrawn, you signed up for something but the invoice went to the wrong address, e.g. because you moved and forgot to update that one old annual subscription you rarely think about (or GEZ) etc.
2. Identity theft. Someone might have used your data to purchase something. Friends, family and ex etc. that ordered something in your name, or even strangers that stole your data somewhere and used it to buy something.
The solution to both scenarios is to call Pair Finance. Tell them that you have been informed of this by Schufa, but you haven’t received any bill that fits this information and for them to give you more details.
Pair finance seem to do this without actual reasons. Probably a way to intimidate people into paying something they do not owe.
Case where someone received the same letter and did not know anything about any outstanding issue.
Yep its legit. (You may want to find out why youre in debt or who is using your details)
I’ve had a similar issue. A letter from pair finance to pay for a pair of lenses for an outstanding payment to fielmann (never bought lenses. Not wearing glasses). So I contacted them, they told me to go to the police station and file a police report, send them the case number and they would get it sorted out, which is exactly what happened.
It’s from a legit debt collection company. I know that MILES Mobility (the carsharing company) uses them. If you don’t pas your invoices it goes there after a month or so. You can contact Pair Finance directly to find out what it is about
Schufa and collections are some of my most hated things in Germany. Service and credit in Germany is broken.
What I don’t understsnd is why Pair finance haven’t contacted you directly about the debt themselves?
It seems wild that they know all of your details to hand over to Schufa, but haven’t tried to contact you first, now YOU have to play detective to figure out why you owe them money.
This kind of thing should just be outright illegal. If I owe you money, come to me directly, don’t pass on the debt and incur more charges without checking it’s not a simple mistake on either your part or mine first.
We’ve got too used to doing free leg work for large, most often well funded companies.
If there is an outstanding debt then why is this the first the OP hears of it?
Shouldn’t there have been letters from the company money is owed to first?
Seems strange that it gets this far without the OP knowing anything.
Maybe you have signed some kind of online-contract. In these contracts you are willing to only communicate on the company’s online platform. (They don’t send any letters, only online on their Platform).
Also maybe your „SEPA-Lastschriftmandat“ was cancelled due to „unzureichende Deckung des Bankkontos“. In this case they Stop collecting money from you.
17 comments
Pair finance is a collections agency, if you owe them, it’s debt from a transaction with a different company. Been ignoring any bills?
Pair Finance is a debt collector. So you have outstanding debt that they try to collect for a third party.
Schufa is a credit scoring agency informing you they have an outstanding collections payment.
Any unopened letters?
Schufa is THE German credit score agency. They’re letting you know that the company in the letter informed them that there are payment irregularities from your side.
First of all give us informations why you seem not to pay your bills.
I don’t think it’s a scam, it’s probably a legit letter fom Schufa. And Pair Finance, after a quick search, seems to be as legit as a Debt Collector can be. So it probably makes sense to give them a call for the details about the Debt in your name.
The questions is did you have fulfilled all payments or do you have unpaid ones. I post a wikipedia link for you for Shufa.
Pair Finance is an Inkasso Service, that means someone (company/private person) has used this service for an unpaid contract of you. The amount metioned should be including fees so the original amount should be smaler. Just think about possible contracts.
[https://de-m-wikipedia-org.translate.goog/wiki/Schufa?_x_tr_sl=de&_x_tr_tl=en&_x_tr_hl=de&_x_tr_pto=wapp](https://de-m-wikipedia-org.translate.goog/wiki/Schufa?_x_tr_sl=de&_x_tr_tl=en&_x_tr_hl=de&_x_tr_pto=wapp)
This definitely looks like a legit letter from Schufa (actual phone number etc.). They are letting you know that this company claimed you have outstanding debt with them. Now there is two possible explanations for it:
1. You have unpaid invoices. You already mentioned you don’t think you have anything unpaid, but there is a possibility you have accidentally given a wrong IBAN or it wasn’t readable, a payment bounced because the account was overdrawn, you signed up for something but the invoice went to the wrong address, e.g. because you moved and forgot to update that one old annual subscription you rarely think about (or GEZ) etc.
2. Identity theft. Someone might have used your data to purchase something. Friends, family and ex etc. that ordered something in your name, or even strangers that stole your data somewhere and used it to buy something.
The solution to both scenarios is to call Pair Finance. Tell them that you have been informed of this by Schufa, but you haven’t received any bill that fits this information and for them to give you more details.
Pair finance seem to do this without actual reasons. Probably a way to intimidate people into paying something they do not owe.
Case where someone received the same letter and did not know anything about any outstanding issue.
https://www.dr-schulte.de/die-schufa-holding-ag-loescht-einen-negativeintrag-der-pair-finance-gmbh/
Try going to your closest “Verbraucherschutz” for free support
https://www.verbraucherzentrale.de/
Did you cancel a gym subscription?
Yep its legit. (You may want to find out why youre in debt or who is using your details)
I’ve had a similar issue. A letter from pair finance to pay for a pair of lenses for an outstanding payment to fielmann (never bought lenses. Not wearing glasses). So I contacted them, they told me to go to the police station and file a police report, send them the case number and they would get it sorted out, which is exactly what happened.
It’s from a legit debt collection company. I know that MILES Mobility (the carsharing company) uses them. If you don’t pas your invoices it goes there after a month or so. You can contact Pair Finance directly to find out what it is about
Schufa and collections are some of my most hated things in Germany. Service and credit in Germany is broken.
What I don’t understsnd is why Pair finance haven’t contacted you directly about the debt themselves?
It seems wild that they know all of your details to hand over to Schufa, but haven’t tried to contact you first, now YOU have to play detective to figure out why you owe them money.
This kind of thing should just be outright illegal. If I owe you money, come to me directly, don’t pass on the debt and incur more charges without checking it’s not a simple mistake on either your part or mine first.
We’ve got too used to doing free leg work for large, most often well funded companies.
If there is an outstanding debt then why is this the first the OP hears of it?
Shouldn’t there have been letters from the company money is owed to first?
Seems strange that it gets this far without the OP knowing anything.
Maybe you have signed some kind of online-contract. In these contracts you are willing to only communicate on the company’s online platform. (They don’t send any letters, only online on their Platform).
Also maybe your „SEPA-Lastschriftmandat“ was cancelled due to „unzureichende Deckung des Bankkontos“. In this case they Stop collecting money from you.
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