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Frequently asked questions

Your previous creditor has assigned your debts, thus the right to repay the debt has been transferred to OÜ GS Core.

We appreciate the concern of the debtor by applying to us in order to ask questions and solve the issue.
It is important to contact us as soon as possible upon a receipt of a warning letter, since a delay or avoidance of debt payment will damage the credit history and the amount of the debt will continue to grow according to the terms of your agreement and regulatory enactments.
The contact information (phone number and e-mail address) and working hours of the debt recovery specialist responsible for your case are specified in the letter.
 
You may also call 56651626  (on weekdays from 8:00 to 21:00) or write to menetlus@gscore.ee for any questions.

Payment can be made:

♦ in every Estonian commercial bank;

♦ In Estonian post offices (it must be taken into account that the payment may be transferred to our account with a delay);

♦ in your Internet bank (AS Swedbank customers are advised to use the assigned payment).

NB! The contract number must be indicated in the explanation of payment.

It is recommended to make the payment to the current account indicated in the warning letter of OÜ GS Core, but the transfer can also be made to the current account of OÜ GS Core:

 

AS Swedbank, EE11 2200 2210 7653 3241

The debt recovery case number is an identifier, which allows identifying the specific case of debt recovery. The number of the debt recovery case is also specified in letters.

We issue the confirmation only to those debtors whose creditor is OÜ GS Core.

  • The debt must be paid within 30 days after the date of dispatch of the letter, if you do not contest the existence and the amount of the debt, and timely payment of the entire amount is possible.
  • We ask you to contact us immediately for discussion of the fulfilment of obligations, if you do not contest the existence and the amount of the debt, but timely payment of the entire amount is not possible.
  • If you disagree with the existence or the amount of the debt, a reasonable claim with the copies of specific documents must be submitted within 21 days after the receipt of the letter.

Yes, the debt may be paid by instalments by previously arranging it with the debt recovery specialist responsible for your debt; however, we ask you to evaluate the possibilities to pay the debt within the shortest period possible since payment by instalments may increase the costs of debt management and the penalty and interest identified in your agreement.

In this case, we urge you not to ignore our letters and calls, but to send us a written application with substantiated claims immediately, enclosing copies of documents confirming the existence of the debt to a lesser extent or not at all.

Before making such a decision, we recommend that you carefully consider the possibilities of fulfilling your debt obligations and avoid even bigger problems at an early stage.
In the event of default, account must be taken of the fact that:
• interest may increase;
• your debt details may be entered in a public default register;
• your debt details may be entered into the GS Core Debt History Database;
• legal proceedings may be instituted.

The data are placed in the database on the 30th day after the dispatch of the first warning letter, if the debtor has failed to make a full payment or express reasonable objections in writing.

The Civil Law regulates the process of selling the right to claim or cession. In the process of cession, the right to claim the debt is purchased, resulting in the change of the debtor’s creditor. The new creditor is entitled to demand the debtor to fulfil all the debt commitments arising from the agreement with the previous creditor.

Reimbursement of the costs of debt collection from the consumer or debtor. The obligation of the debtor to pay recovery costs arises from § 113 (2) of the law of Obligations Act.