Has anyone actually been sued by Intrum over Ricardo collection fees after paying the principal debt?
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Hi everyone,
I would be very interested to hear from anyone who has been through a similar situation with Intrum and Ricardo.
I paid the original Ricardo debt and the statutory interest, 45.60.The only amount I disputed was CHF 88 in "Bearbeitungsgebühren" claimed by Intrum.
I filed a Rechtsvorschlag against the Betreibung.
I'm wondering whether anyone has been in the same situation:
Did Intrum actually apply for Rechtsöffnung or sue you over these collection fees?
If so, did they win?
Or did they simply stop after the Rechtsvorschlag?
The key legal issue, in my opinion, is that the 2025 Ricardo T&Cs (applicable to my purchase) only refer to transferring unpaid debts to a collection agency that applies its own fee schedule. They do not clearly state that the customer agrees to pay those collection fees. Interestingly, the payment order even refers to the 2026 T&Cs.
Has anyone seen a Swiss court uphold Intrum's collection fees based on the Ricardo 2025 T&Cs, or does Intrum usually stop after an objection?
Thanks in advance for sharing your experience.