Negative BKR registration due to a phone provider or private lease – what now?

At Arslan Advocaten we help clients who are dealing with an unjustified or overly severe BKR registration by telecom companies or leasing companies. We ensure that the registration is investigated, adjusted, or removed – often at no cost to you, because we recover the costs from the responsible party.

Why do you get a BKR registration from a phone provider?

Since 2017, mobile phone subscriptions with device credit of more than €250 are formally loans. Providers such as KPN, Vodafone, T-Mobile or Hollandsnieuwe are therefore obliged to report these loans to the Bureau Krediet Registratie (BKR). If a payment arrears arises, a negative registration (A-coding) follows. That notice then remains visible for five years – even if the arrears are later cleared.

Private lease and BKR registrations

With private lease the risk is similar. The monthly lease price is considered a credit obligation. The leasing company registers this with the BKR and can immediately make a negative report in the event of payment arrears. As a result, it becomes much harder to take out a mortgage or loan later.

When is the registration unjustified or disproportionate?

In many cases, a registration is not justified or is too severe. Consider:

• the provider made a mistake in processing your payment;
• the arrears were small or only temporary;
• you cleared 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. That means that the telecom provider or leasing company must weigh your interest against their interest in maintaining the registration.

What are your rights regarding an unjustified registration?

• You have the right to access your BKR data via bkr.nl.
• You can submit a request for correction with the provider or leasing company.
• You can submit a removal request submit if the registration is no longer proportionate.
• You have the right to a reasoned decision on your request.

How can you have a negative BKR-registration removed?

1. Request your data

Via bkr.nl you can request your report free of charge. Check whether the registration is correct and who placed it.

2. Submit a request to the provider or leasing company

Write a substantiated letter explaining why the registration is incorrect or disproportionate. Attach proof of payment and other relevant documents. Keep it professional and clear.

3. Escalate if rejected

If your request is rejected, you can file a complaint with the Financial Services Complaints Institute (KiFiD) or seek removal through the courts. In many cases it is then decided that the registration must be removed or shortened.

Consequences of a negative registration

• Rejection of mortgages, loans, and lease agreements;
• Problems with rental or phone contracts;
• Financial stress and reputational damage.

The consequences are often more severe than the original arrears. Therefore, it must always be carefully assessed whether the registration is still proportionate.

How does Arslan Advocaten help?

• We analyze your BKR registration;
• We draw up a substantiated request for correction or removal;
• We litigate at KiFiD or the court if necessary;
• We recover the costs where possible from the responsible institution, so that our assistance can be free for you.

Our lawyers combine knowledge of financial law and privacy law with extensive experience in BKR cases. This significantly increases your chances of success.

Frequently asked questions about BKR registration for phone or lease

Can I have a BKR registration from a phone provider removed?

Yes. If the registration is unjustified or too severe, you can submit a removal request. This often succeeds when you demonstrate that the arrears were old or limited.

How long does a negative registration remain visible?

Five years after the arrears have been cleared. In exceptional cases that 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, prepare a substantiated request, and ensure that the registration is removed or shortened. Often at no cost to you.

Questions or need immediate help?
Get in touch with Arslan Advocaten without obligation.

We help you have your BKR registration with a phone provider or leasing company removed, so you can move forward again without obstacles.

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• Remove BKR registration