Get things on the right track
Would you like to make a payment?
If the claim is still available in your online bank, you can complete the payment there. You may also pay directly on My Pages using a credit card.
Would you like to split payments?
On My Pages, you can set up instalment payments for up to six months, or up to twelve months for cases that are under claim monitoring.
Do you have any questions?
Through My Pages, you can contact us securely via online chat or by sending us a message.
This is how debt collection works
When a claim falls into default, there is a high likelihood that the creditor will seek to recover the amount owed. There are two primary stages of collection: primary and intermediate collection at the earlier stages, and legal collection at the later stages.
During the primary and intermediate stages, a collection warning is sent, most often followed by three additional letters. These letters incur costs, which are added to the claim, along with late payment interest, in accordance with the Collection Act No. 95/2008.
If a claim goes through the entire interim collection process without being settled, the creditor is often forced to pursue legal debt collection, which incurs significant costs. Therefore, it is advisable to settle the claim or negotiate a payment plan before it reaches this stage.
Legal debt collection cases are recorded in Creditinfo’s delinquency register if they meet the necessary criteria. This can affect the calculation of your credit score.
In some cases, claims are placed under monitoring, where they are tracked until the statute of limitations expires. This may impact the calculation of the individual’s credit rating by Creditinfo.
Further information
→ Cost of collection, Motus
→ To obtain information regarding your credit status or any outstanding delinquencies, please contact Creditinfo.
How to resolve your issues on My Pages
Overview of cases
- Greiðslusamkomulag – If you have entered into a payment agreement, it will be displayed at the top of the page.
- Staða (balance) indicates the number of instalments you have paid out of the total.
- Eftirstöðvar (remaining) shows the outstanding amount yet to be paid. - Til innheimtu – Total amount to be collected.
- Málanúmer – Select a case number to view more detailed information about the case.
- If you select a specific issue, you will have the option to either make a payment (Greiða) or make a payment agreement (Semja).
Setting up a payment plan
- Til greiðslu – This is a list of the claims you have selected for inclusion in the agreement.
- Gjalddagi – The first payment date is set by default as the first day of the following month.
- Fjöldi afborganna – You can select the number of instalments by adjusting the slider.
- Information regarding fees and interest will update automatically based on the number of instalments chosen.
- A summary of the instalment plan will be displayed, showing each payment amount (til greiðslu) and the remaining balance after each instalment (eftirstöðvar).
- Greiðslumáti – You can choose to pay by debet or credit card (debet eða kreditkort) or receive a payment slip (greiðsluseðil) through your online banking service.
- Samþykkja – Finally, you will need to confirm the agreement to complete the process.
Once a decision has been made, it takes effect immediately. In certain cases, however, agreements must be reviewed and will temporarily hold the status “Unconfirmed” (Óstaðfest). If your agreement is marked as Unconfirmed, we will inform you of the outcome within two days via text message and email.
Make a payment or partial deposit
- Til greiðslu – A list of claims you have selected for payment.
- Fyrirkomulag – You can pay in full (greiða til fulls) or make a partial deposit (innborgun).
- Greiðslumáti – Payments can be made using either a debit or credit card.
- Samþykkja – You will need to confirm the payment before it is processed.
The status of the case should update instantly or within a few minutes after you confirm the payment. You can view the updated status on the case page or by reviewing a summary of all the deposits you have made on the Deposits page (Innborgun), which is accessible via the website's navigation menu.