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Paid debts
Have you used the Childcare Benefit restoration payment to pay off your debts? If so, these paid debts will be reimbursed in some situations. Is it only later that you were found to be a victim and have you paid off your debts in the meantime? In that case, too, debts will be reimbursed.
Desk for paid debts now open
On 28 September 2022, Sociale Banken Nederland (SBN) opened the new desk for paid debts. This desk is open for affected parents who paid off arrears using the compensation amount they received.
How are paid debts reimbursed?
This is how the scheme works:
- You will never be refunded more than the compensation received.
- The scheme only applies to arrears that fall within the scope of the private debt policy decision.
- You must provide evidence so that we can assess your application.
If you have already paid off debts
Have you used the Childcare Benefit restoration payment to pay off your debts? (This could be a compensation amount or the €30,000.) If so, you are eligible for compensation in case of:
- arrears with payments to a private creditor before 1 June 2021, or
- a public debt that relates to the period before 1 January 2021 and you received the compensation before 1 January 2021. The waiver under the Catshuis scheme also remains in force.
A condition is that the repaid debt would otherwise have been waived and/or paid under the debt settlement, if you had not done so.
Example
You received compensation on 15 December 2020. You felt compelled to pay the 2020 arrears of €3,000 on 20 January 2021 to the health insurer including reminder fees. This payment qualifies for reimbursement. You will be reimbursed for this amount of €3,000.
If it is only later that you were found to be a victim
Even if it was only during the integrated assessment that it was established that you are a victim, some debts already paid will be reimbursed. You are eligible for compensation in case of:
- a (due and payable) private debt that has been paid off by you during the period between the outcome of the first assessment and the integrated (or subsequent) assessment.
A condition is that the repaid debt would otherwise have been paid under the debt settlements if you had not done so.
We pay the amount of the private debt you paid off, including costs.
Example
You applied on 18 March 2021. On 1 May 2021, you were told that, based on the first assessment, there was no reason to assume that you are a victim. You applied for an integrated assessment, which showed that you were indeed a victim and you received compensation on 15 August 2021.
On 15 May 2021, you felt compelled to pay the 2020/2021 arrears of €12,000 to the energy supplier, including reminder fees. This payment qualifies for reimbursement. You are reimbursed for this amount of €12,000.
Provide proper evidence
SBN needs information about the debt in order to properly assess your application. This information can usually be found on an invoice, reminder or demand. SBN also needs evidence of payment of this debt. This information can usually be found on any evidence of payment, such as a bank statement. Some examples are given below. More information about evidence can be requested from SBN.
Which information should the invoice contain?
An invoice must contain the following information: name, invoice date, reference, amount, payment term/due date and name of the creditor.
Which information should the evidence of payment contain?
The evidence of payment must contain the following information: account holder’s name, creditor’s name, amount, creditor’s account number, reference and payment date.
Which information should the reminder contain?
A reminder must contain the following information: name, date, reference, original invoice date, amount, payment term/due date and name of creditor.
Frequently asked questions
Where to report debts I have already paid?
For these debts, you can contact the desk for paid debts of Sociale Banken Nederland (SBN). The SBN will assess whether you can be reimbursed for the entire amount you paid off.