Disputes about money that has been lent, credit that is being called in or a registration that is holding you back — they seem like separate problems, but they are often connected. On this page you choose the situation that applies to you. Each route has its own page with the rules, the evidence that counts and the steps you can take.
Four situations
1. You lent money and are not getting it back
To a friend, a family member, an ex-partner or a business. The discussion is usually about whether it was a loan or a gift, whether repayment is already due, and what you can prove. Without a contract that is harder, but not impossible.
2. You are being asked to repay
There is a demand for payment or a summons, and you do not agree with the amount, the interest or the claim as a whole. First check the calculation, the repayments processed and limitation — you have to invoke limitation yourself.
→ Disputing repayment of a loan
3. You have a dispute with a bank or credit provider
Your credit is suddenly called in, you suspect irresponsible lending, or the interest and costs are not right. Separate rules apply here: the duty of care in lending, the maximum credit charge and the route to Kifid.
→ Dispute with a bank or credit provider
4. There is a BKR registration in your name
A registration that is incorrect can be corrected. A registration that is correct but affects you disproportionately can be submitted for reconsideration. Those are two different routes with different evidence.
→ Removing or correcting a BKR registration
Who we assist
We help borrowers and non-bank lenders: private individuals, entrepreneurs, shareholders and investors. In this practice, banks are the opposing party and not a target group for our services. For each file we assess who the client is and whether we can accept the instruction.
What it costs
If you qualify for subsidised legal aid, the Legal Aid Board can reimburse part of the lawyer’s costs. A personal contribution and other costs, such as court fees, may remain. At the first assessment we discuss whether this route is possible for your case and which costs you bear yourself.
If you do not qualify, we work at a reduced rate or for a fixed price for a clearly defined process. The amount depends on your personal situation and on the case. You hear the amount before we start.
Background articles
- Money lent without a contract
- Limitation of a private loan
- Suretyship and liability as a guarantor
- Joint loan after a separation
- What does it cost to have a BKR registration removed?
- Debt collection: recovering an outstanding claim
Is it about your bank account or payments?
Not every conflict with a bank is about a loan. Questions about the origin of money, a blocked account or a termination call for an examination of the customer due diligence, the reason for the measure and the consequences for your payments. For that, see our help with disputes with banks, the Wwft and payments. Any calling in of your credit or a BKR registration is also assessed separately.
Frequently asked questions
I do not know which situation I am in. What now?
Send us the documents you have — the agreement or the transfer, the correspondence and any demand for payment or overview of registrations. At the first assessment we determine together with you which route fits. Often two apply at the same time, for example a disputed claim and a registration that results from it.
Do you handle both private and business loans?
Yes. The rules do differ: between two private individuals who are not acting in the course of a profession or business, for example, interest is only due if it was stipulated in writing (article 7:129c(1) of the Civil Code), whereas with business loans the contractual arrangements and the capacity of the parties come first. In the assessment we first determine which framework applies.
Is it urgent?
Sometimes it is. If a limitation period is running, a six-week period to respond after a GDPR (AVG) request has been rejected, or a hearing date has been set, that date is decisive. So tell us straight away if a time limit applies; we will then assess it as a priority.
Can I try something myself first?
Certainly. Your own well-substantiated request or a clear letter interrupting limitation can be enough, and that costs you nothing. At the first assessment we tell you honestly whether your case lends itself to that. If you are unsure about the wording or a time limit is approaching, have it checked before you send it.
Have your case assessed
Send us your documents via arslan.nl/contact. The first assessment is free of charge: you hear whether your case stands a chance, which route fits and what that route would cost you. If a time limit is running or a hearing date has been set, mention it straight away. We have offices in The Hague, Rotterdam, Amsterdam, Utrecht, Tilburg and Eindhoven and can also help you in Turkish, Polish and English.
Written by Onur Arslan, lawyer at Arslan Advocaten and responsible within the firm for the financial practice: credit registrations, loans and disputes with lenders. Registered in the areas-of-law register of the Netherlands Bar for employment law and personal injury. Content checked on 13 September 2026 against the statutory text on wetten.overheid.nl, the CKI General Regulations (July 2024) and the judgments cited on rechtspraak.nl.
Looking for the overview of all topics within financial law — BKR, EVR, CIS, the banking relationship, credit and duty of care? Then see Financial law: registrations, banks and credit.
Our offices: visiting address and direct telephone number
Each office has its own direct number. The first conversation is free of charge and confidential; besides Dutch we speak Turkish, Polish and English.
| Office | Telephone | Visiting address | |
|---|---|---|---|
| Den Haag | 070 4500 300 | Paletplein 80, 2526 GZ Den Haag | [email protected] |
| Den Haag (Goeverneurlaan) | 070 4500 300 | Goeverneurlaan 445, 2523 CB Den Haag | [email protected] |
| Rotterdam | 010 311 5500 | Schiedamsedijk 60-A, 3011 EH Rotterdam | [email protected] |
| Amsterdam | 020 747 0055 | Pieter Calandlaan 769, 1069 SC Amsterdam | [email protected] |
| Utrecht | 030 747 0038 | Atoomweg 63, 3542 AA Utrecht | [email protected] |
| Tilburg | 013 747 0022 | Kraaivenstraat 38-10, 5048 AB Tilburg | [email protected] |
| Eindhoven | 040 711 3099 | Croy 7C, 5653 LC Eindhoven | [email protected] |
Not sure which office is most convenient? Then call 070 4500 300 or send your question through the contact form; we will put you through to the right colleague.