FAQ

We have recently sent letters to a number of customers informing them that their claim has been transferred to Axactor Seed Investment Ireland DAC from Axactor Sweden AB.

For most customers, this means no practical change, and you normally do not need to take any action in response to the letter.

You do not need to contact us if:

• you already have an ongoing payment plan

• you are participating in a debt restructuring program

• you already have an agreement that you are following

Your current arrangement remains in effect as previously communicated.

Please contact us only if:

• you do not have a payment plan and would like to set one up

• you have questions about how to make payments

To make things easier, we ask that you first use My Axactor, where you’ll find up-to-date information and payment options.

If it is the first time you have received a letter from us, it is because you have failed to pay a bill or amortization to a company who handed over the debt collection case to us.

Axactor is connected to the digital mailbox Kivra. If you are connected to the service, you receive letters from us through Kivra. You will be notified of received digital letters through e-mail, and also through a push notification if you have downloaded the Kivra app.

If you prefer communications through postal mail, you can easily deregister Axactor as a sender once logged in to Kivra.

When you make a payment, it is important that you use the correct information so that your payment can be registered in the corresponding case. Log in to "My Axactor" to see the details of your case and to make payments. You can log in using Mobile BankID or BankID and choose payment methods Swish or Trustly. If you don't want to log in, just use Quick Pay!

You can pay by using the reference number and bankgiro number shown in the letter we sent to you. You can also use Quick Pay! on our website to quickly manage your payment. You do not need to be logged in, but you must have access to your reference number. If you have any questions about your case, you are always welcome to contact us.

No worries, we can help you! In many situations, it is possible to set up an installment plan. The best way to apply for a plan is by logging in to "My Axactor". You can then register how much you are able to pay per month. You will receive a confirmation if your proposal is approved or if we must decide on your case manually.

It's good to know that when we agree on an installment plan there are additional costs added to your case in the form of an arrangement fee of SEK 170 and a fee of SEK 60 per notification.

No, it's not necessary. As soon as we get your full payment, we close the case. You can follow your case status on My Axactor.

Keep in mind that it takes between 1-3 business days before your payment reaches us and that the payment is not considered fulfilled until it has reached us. In other words: you need to make the payment a few days before the last payment date to be sure that we will get the money on time.

If you have paid the amount on the original invoice, you must still pay the collection cost and the accrued interest. You can see the outstanding total amount on My Axactor.

Contact us, and we can discuss a solution to avoid that your case carries on in the collection process which would result in additional fees. In most cases, we can agree on a deferred payment date or an installment plan with monthly payments.

If you do not pay the debt within the specified time and with the stated amount and do not contact our customer service to find a solution, the case will carry on in the collection process. This means that we might send your case to the Enforcement Agency.

Keep in mind that the costs and interest rate increase continuously if your debt remains unpaid. The result may also be that you receive a payment remark.

If your payment has been submitted to us, or to our client, on the same day as the debt collection letter is issued (the print date) or later, you are obliged to pay the collection cost.

By logging in to My Axactor, you can get detailed information and status updates on your case. You can also pay or contact us that way, quickly and easily.

It normally takes 1-3 banking days before your payment reaches us. If you have paid the full amount and on time, according to the debt collection letter, the case will be terminated as soon as we have received your payment.

To apply for a registry extract containing information about your personal data and how we process it, contact dataskydd@axactor.com.

Log in to My Axactor, or contact customer service as soon as possible and explain what has gone wrong. We will fix the problem and pause the case in the meantime. Stay updated on My Axactor.

If you receive letters that are not yours, it may be that the person to whom the letter is addressed is registered at the same address as you. Contact customer service so we can investigate the matter further.

If you think that any information about you is incorrect, you have the right to contact us and request the information to be rectified or erased. Contact dataskydd@axactor.com and tell us why you think it should be rectified or erased.

If you have received a debt collection letter that you have not paid, your case may be sent to the Enforcement Agency (Kronofogden).

If the debt is paid directly, including the costs that have been added, we will withdraw the matter from Kronofogden and terminate the case.

Observe that the Enforcement Agency charge for their work through different fees. The most common fees are:

• Application for injunction for order to pay SEK 300
• Execution SEK 600 per year

By

law, the company who has a claim, such as Axactor, also has the right

to cover additional costs. This means that if you do not pay on time,

the debt can grow further. The most common statutory fees are:

• Payment reminder SEK 60
• Debt collection letter 180 SEK
• Compensation for work regarding application for injunction SEK 380
• Arrangement fee for installment plan SEK 170
• Notification fee for installment plan SEK 60 per notification
• Late payment charge SEK 450 (applies only to companies and the public sector)

If you haven't agreed on any specific interest on an overdue payment, the creditor will charge the applicable statutory interest rate. The interest rate in your specific case can be higher only if agreed upon in you contract.

The creditor is not obligated to send a payment reminder before sending debt collection letters. It is therefore correct if you have received a collection letter without first having received a reminder.

We treat your personal data with great respect because we care about your privacy. We handle your personal data in order to efficiently achieve payment and to be able to conduct our business in general. For these purposes we deal with information about who you are, your contact details, your financial situation and payment history.

When processing your personal data during the collection process, Axactor Sweden AB is responsible for the personal data of your personal data. You therefore have rights that you can read about in our Privacy Policy. If you have any questions regarding our processing of your personal data or if you wish to exercise any of your rights as stated in the Privacy Policy, please contact us.

Phone number: 031-383 38 00

E-mail: dataskydd@axactor.com

Letter: Axactor Sweden AB, Nordstadstorget 6, 411 05 Göteborg

We conduct our business in accordance with the laws and regulations of Axactor. This means, among other things, that we follow the Data Protection Authority's general advice on the debt collection law. We care about handling your case in a correct and careful way and we are therefore keen to hear your views if you're not satisfied with our handling of your case so that we can improve our services.

If you would have any objections to the debt we are claiming or if you would like help with establish a possible installment plan, please contact customer service.

If you are still not satisfied with the handling of your case, log in and fill out this form. Describe as much and as accurately as possible what you are dissatisfied with and what you think is wrong.

As soon as we have received your comments or complaints, we will handle the matter in accordance with our complaint policy. This means that we will handle your case objectively and by another person than the one who handled your case initially. As soon as we have decided on our position on the matter, we will get back to you.