Complaint regarding the refunding of unlawfully charged credit costs

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The application will help you prepare a written complaint that you can send to Bondora yourself in order to claim for compensation for unlawfully charged credit costs.

Bondora used an interest clause in its credit agreements from 1.9.2019 – 10.11.2021, which the Market Court in its decision in September 2023 deemed unlawful. As a result of this procedure, the consumer is only obliged to repay the principal amount of the loan, not the interest on the loan or any administrative or contractual fees.

In addition, Bondora has charged fees exceeding the legal maximum amount of credit costs for its B On Track, B Secure, and B Secure+ services at least from 1.9.2019-9.10.2024, which the Supreme Court in its decision in October 2024 deemed unlawful. The consumer is not obliged to repay any credit costs if the credit agreement was concluded at the earliest on 1.9.2019 and the fees charged for the B On Track, B Secure or B Secure + services together with the contract and administration fees have exceeded the permitted maximum amount of credit costs.

If Bondora has acted contrary to price regulation during the credit agreement, you are entitled to claim for compensation from Bondora for unlawfully charged costs.
Even if you have received a partial reimbursement from Bondora, you are still entitled to claim back all credit costs you have paid i.e. the loan interest costs, contractual fees and administrative fees as well as costs for the B On Track, B Secure, and B Secure+ services.

A couple of points on how to file a complaint:

How to proceed: The Complaint Assistant will begin by asking you for details in a guided manner. These details will help in investigating your issue.
As a result, you will receive a ready-made complaint that you must submit to the company yourself.
Clicking the Info button (i) will allow you to see the general principles related to your rights.

Have you made a loan agreement with Bondora between 1.9.2019 and 10.11.2021, or have you paid for Bondora's B On Track, B Secure, or B Secure+ services?*

Yes

Is your credit in legal collection?*

Legal collection means debt collection through court or enforcement.

Yes

If your credit is in legal collection, which means that it is being processed by a District Court or by the enforcement authority, you will unfortunately not be able to use this assistant to request a reimbursement from the company.

You can read about loans and consumer rights on our website Credit (opens in a new tab)

This claim assistant applies to credit agreements made with Bondora between 1.9.2019 and 10.11.2021, as well as to credit agreements made thereafter, if service fees have been charged from consumers for B On Track, B Secure, or B Secure+ services and the maximum amount of credit costs has been exceeded during the credit agreement.

You can read about loans and consumer rights on our website Credit (opens in a new tab)

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Claim for compensation concerning unlawfully charged credit costs

Issue*

I have made a loan agreement with Bondora between 1.9.2019 and 10.11.2021, and the loan agreement is still in force.

If you still have a valid credit agreement with Bondora, you can claim for compensation from the company. A valid credit agreement may also be a terminated agreement that has not yet progressed to judicial collection.

I have made a loan agreement with Bondora between 1.9.2019 and 10.11.2021, and have fully repaid the loan.

Although you have repaid the credit in full to Bondora, you are entitled to compensation concerning the credit if Bondora has acted unlawfully in a credit relationship.

I have made a loan agreement with Bondora after 10.11.2021, and I have been charged for the B On Track, B Secure, or B Secure+ service.

Counterparty*

Bondora AS Suomen sivuliike

Credit details

Number of credit agreements

Select here how many credit agreements you have made after 1.9.2019. You can add up to 5 credit agreements to this complaint. If you have more than 5 credit agreements, please create a new complaint for the remaining agreements.

1 credit agreement

2 credit agreements

3 credit agreements

4 credit agreements

5 credit agreements

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Compensation claim

Check your claims.

You are entitled to claim for compensation for the loan interest, contract fee, and administration fee. You may also be entitled to claim compensation for the B On Track, B Secure, or B Secure+ services if you have made a credit agreement after 1.9.2019, and the service charges you have been charged together with other credit costs (contract fee and administration fee) have exceeded the permitted maximum amount of credit costs. Due to the violation of the law, you are obliged to repay Bondora only the principal amount of the loan.

Claim

Choose one of the options. Choose the lower option if your agreement also includes a service agreement.

I demand compensation for illegally charged credit costs for the costs already paid and demand to stop charging the loan interest and contract and administration fee in the future. Bondora has violated § 17a of Chapter 7 of the Consumer Protection Act in the credit relationship, which is why I demand the return of costs exceeding the principal amount of the loan.

I demand compensation for illegally charged credit costs for the costs already paid and demand to stop charging the loan interest, contract fee and administration fee as well as the fees charged for the B On Track, B Secure or B Secure + services in the future. Bondora has violated § 17a of Chapter 7 of the Consumer Protection Act in the credit relationship, which is why I demand the return of costs exceeding the principal amount of the loan.

Claim

Choose one of the options. Choose the lower option if your agreement also includes a service agreement.

I demand compensation for the loan interest, contract fee, and administration fee I paid during the credit agreement. Bondora has violated § 17a of Chapter 7 of the Consumer Protection Act in the credit relationship, which is why I demand the return of costs exceeding the principal amount of the loan.

I demand compensation for the loan interest, contract fee and administration fee as well as the fees for the B On Track, B Secure, or B Secure+ service I paid during the credit agreement. Bondora has violated § 17a of Chapter 7 of the Consumer Protection Act in the credit agreement, which is why I demand the return of all costs exceeding the principal amount of the loan.

You are entitled to claim for compensation for the B On Track, B Secure, or B Secure+ services charged and all other credit costs if you have made a credit agreement at the earliest on 1.9.2019 and the service charges you have been charged have exceeded the permitted maximum amount of credit costs. Due to the violation of the law, you are obliged to repay Bondora only the principal amount of the loan. Claim Choose the first option if your credit relationship is still in effect. Choose the lower option if you have fully repaid the loan.

Claim

Choose the first option if your credit relationship is still in force. Choose the lower option if you have fully repaid the loan.

I demand compensation for illegally charged credit costs concerning the costs already paid and I demand to stop charging for loan interest, contract fee and administration fee as well as the B On Track, B Secure, or B Secure+ service in the future. Bondora has violated § 17a of Chapter 7 of the Consumer Protection Act in the credit relationship, which is why I demand the return of all costs exceeding the principal amount of the loan.

I demand compensation for illegally charged credit costs including the costs paid for the Track, B Secure, or B Secure+ service. Bondora has violated § 17a of Chapter 7 of the Consumer Protection Act in the credit relationship, which is why I demand the return of all costs exceeding the principal amount of the loan.

Complainant

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Contact information

Name

Address

Postal code

Post office

E-mail address

Phone number

Account number

Account number to which the compensation is to be paid.

Submit the complaint to Bondora yourself

You must submit your complaint to Bondora yourself.

Clicking the “Next” button at the bottom of this page page will provide you with a ready-made complaint,
which you can send to your own email, download to your device or print. It can take some time for the email to arrive. The email may also end up in the Spam folder.

After reviewing the summary, click Previous to return to a previous page to edit the complaint.

You can submit your complaint to Bondora

via email from your own email service

by copying the information you’ve received to the form that Bondora offers on its website

by sending the downloaded or printed complaint as a letter.

Read more about Bondora's customer service on Bondora’s website (opens in a new tab)

Complaint

{summary}

I await an answer within two weeks. Thereafter I may choose to contact the Consumer Advisory Services or notify the Consumer Ombudsman if I do not receive full reimbursement.

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