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Capison

You have received a letter from us

Here is what it means and what you can do about it

First, the short version

Capison is a Danish debt collection agency. A company you have bought from or had an agreement with has asked us to help collect an amount they believe is unpaid.

Getting a letter from us is not a court judgment and it is not a mark on your record. It is a request to either pay, arrange to pay, or tell us you disagree. Any of those three is a fine answer.

The worst thing you can do is nothing. Costs and interest grow while a case sits still, and a case nobody responds to is the one most likely to end up in court. Almost everything is easier to sort out early.

Paying

Your letter carries the amount, the payment details and a case reference. Use that reference, or the payment may not be matched to your case.

  • Pay the full amount to close the case.
  • Always quote the case reference from the letter.
  • If you have already paid, send us the date and amount and we will check it against the account.
  • If you think the amount is wrong, do not just pay a part of it without telling us why. Get in touch first.

If you cannot pay it all at once

This is common and it is not a problem to raise. An instalment plan that you can actually keep to is better for everyone than a plan that fails in month two, so tell us what is realistic rather than what you think we want to hear.

  • Contact us before the due date on the letter if you can.
  • Tell us what you can pay per month. Be honest about the amount.
  • We will confirm any agreement in writing so you have it.
  • If your situation changes, tell us. A plan can be adjusted, but only if we know.
  • If your debts are more than this one claim, free public debt counselling is available in Denmark and we would rather you used it.

If you disagree with the claim

You are entitled to dispute it, and you should if you believe it is wrong. Tell us in writing what you disagree with and why, and include anything that supports it.

  • Put it in writing. Email is fine.
  • Say what is wrong: the amount, the goods or service, the agreement, or that it is not your debt at all.
  • Attach what you have. A receipt, an agreement, a screenshot or an earlier email all help.
  • While a genuine dispute is being examined, the case is not escalated.
  • If we cannot agree, a disputed claim is settled by the courts, not by us.

What you can expect from us

Danish debt collection is regulated, and an agency has to be authorised to do it. Whatever the claim, the following holds.

  • We contact you about the debt, at reasonable hours, and not in a way designed to pressure or embarrass you.
  • We tell you what the claim is, who it is for and what it is made up of, if you ask.
  • We do not add costs beyond what Danish law allows.
  • We do not discuss your debt with your employer, your neighbours or your family.
  • If you think we have handled you badly, complain to us directly. If we cannot resolve it, you can take it further.
What a case costs

Talk to a person

Writing to us is usually the fastest route, and it gives you a record of what was said. Please include the case reference from your letter.

Email
contact@capison.com
Hours
Monday to Friday, 9:00-15:00
Contact us