Delete Payment Notes

Delete payment note

– get help to collect debts and delete notes. You must be able to offer security on a property for this type of loan.

Lady with yellow sweater sitting on a sofa. She is holding a credit card and looking at the screen of a laptop. Maybe she checks if she has payment notes?

Payment notice

Have you incurred a payment notice?
Do you have many expensive small loans , want to cancel debt collection or need help finding out who you owe money to?
It is important to tackle the problems before you end up in a situation where debt settlement is the only solution.
Even if you have ended up there, we can help you find solutions – a new financial start. With us, you get help to clear up debts and delete payment notices.


Free Service

All our services are free for you as a customer, because we are remunerated by the banks we work with. The offer or offers we present to you are non-binding.


Permanent advisor

Personal follow-up is the key word with us. You get a permanent adviser who sees your entire financial picture. Then we can give you advice on changes you should consider in order to achieve the lowest possible cost of your loans.


Many years of experience

Since 1993, Eiendomsfinans has helped tens of thousands of customers find the right bank and loan product. No similar company in Norway has our selection of partners in financing.

Get loans and fixed expenses.

This is usually the key to financial peace and order. For many people, the thought of regaining control of their finances can feel overwhelming to do alone. Our goal is for you to achieve better liquidity, reduce financial worries and possibly avoid forced sales due to payment notices.

Børge Finsæther profile picture
Børge Finsæther, Eiendomsfinans Harstad

Get help today!

Through our partnerships with several banks and credit institutions, we have extensive knowledge of the solutions and products available.

Together, we review your financial situation, obtain an overview of payment reminders and find an optimal solution for you.

With us, you get help to clear up debt.

The bank must obtain collateral in a home or other immovable property in order to delete a payment notice.

In order to be able to refinance and/or delete payment notes, it is required that you can offer up to 85% security in real estate. It is also required that you have the ability to service the loan. Ability to pay in the form of fixed income is assumed, or that repayment of the loan is based on future sales (within approx. 1 year). We have the opportunity to negotiate such a loan, also for those with payment notes. In the main, it is security in housing and liquidity that count.

You can also read more on our pages Start-up loans, Special loans and Forced sale

We work with several banks that help customers delete payment notices:

Bank 2 , Bluestep , Nordax , Kraft Bank , MyBank , Svea and Balansebank.
Once we have spoken to you, we will apply for refinancing from the bank or banks we think will be right for you. The offer you receive is non-binding and the work we do is free for you as a customer.

Do you have payment marks?

As a customer, you always have the right to receive information if you have payment comments. You can check this yourself at Bisnode or Experian . If you want to get help from us, we can also quickly find out if you have payment notices or debt collection. You then get an overview of who you owe money and how much. We give you good advice on how to set up a repayment plan. We also check to find a solution for the refinancing of payment notes.
You must either own a home that can be mortgaged, or obtain security from a real estate surety in order to refinance a loan with a payment notice.

For the fastest possible case processing, attach the latest tax return, recent pay slip, valuation, debt overview and any other relevant information.

I have no comments, but want to collect unsecured debt

You must be able to offer security on a property you own, or security in a property owned by family or close friends (surety), in order to have payment notices deleted.

A secured creditor is someone who pledges their own property as security for another person’s loan. If the owner of the loan does not pay as agreed on the loan, the bank can demand that the surety pay.

Collaboration partners:

BN Bank logo
Logo Sparebank1 SMN
Skagerrak Sparebank logo
Logo Skue Sparebank
Logo Bluestep Bank
Nordax Bank logo
MyBank logo
Balance Bank logo
Kraft Bank logo
Instabank logo
Logo Svea
Lea Bank logo
Logo you plus
Logo Brage Finans
How to refinance with a payment notice?

In order to be able to refinance when you have a payment notice or a loan with debt collection, it is required that you can give the bank security in a residential property.
The total loan must not be more than 85% of the home’s value.
It must not be a home you own yourself, it can also be a mortgage on a property belonging to someone who is a surety for you. These then become real sureties.

Eiendomsfinans cooperates with all banks in Norway that offer this type of refinancing.
Contact us and we will help you find which of these banks is best for you.

What is a payment note?

A payment notice is a registration in one or more registers such as Bisnode and Experian.
Here, banks and creditors can get information that a person or a company has something unpaid that should have been paid.
The claim can mean non-payment following a debt collection case, wage deduction, settlement judgment, attachment, or is that the person or company is bankrupt.

When do you receive a payment notice?

A payment note is registered on the case when it has progressed so far in the debt collection process that it has been notified that legal action will be initiated.
Private individuals are notified by the credit reporting agencies before they report the remark. You then have the opportunity to rectify the matter within 30 days.

For traders, the complaint is registered 30 days after a request for payment has been sent.

How to find out if you have a payment notice?

You can contact us and we will check this for you. If you want to try to retrieve this information yourself, you can log in to Experian.

Is a debt collection notice a payment notice?

A debt collection notice is a follow-up that takes effect when an invoice is not paid by the due date.
Before the bill is sent to a debt collection company, you will receive a debt collection notice telling you that this will happen if you do not pay as soon as possible.
If the invoice is still not paid, it may end with a payment notice.