{"product_id":"konsumentkredit-2026-betalningssvarigheter-anstand-kundatgarder","title":"Consumer Credit 2026 – Payment Difficulties, Forbearance and Customer Actions | Word\/PDF\/Excel","description":"\u003cdiv class=\"mb-product-copy\"\u003e\n\n\u003cp\u003e\u003cstrong\u003eIs a consumer having difficulty paying their credit?\u003c\/strong\u003e Document what the creditor needs to do when financial difficulties are detected, what contact and support measures have been carried out, whether a tailored payment offer is appropriate, and how special requirements for overdrafts should be checked. The specialist package provides \u003cstrong\u003ecreditors with an operational workflow before enforcement measures\u003c\/strong\u003e.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCurrent:\u003c\/strong\u003e The new \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/konsumentkreditlag-20261011_sfs-2026-1011\/\"\u003eConsumer Credit Act (2026:1011)\u003c\/a\u003e comes into force on \u003cstrong\u003e20 November 2026\u003c\/strong\u003e. The package is a template for preparedness and actual individual processing; it is not a general rule that all credits must be renegotiated.\u003c\/p\u003e\n\n\u003cdiv style=\"border:2px solid #90B5D0;border-radius:10px;padding:16px 19px;background:#F1F7FB;margin:18px 0\"\u003e\n\n\u003ch2\u003ePackage contents\u003c\/h2\u003e\n\n\u003cp\u003eFive Swedish work templates and two guides – all in editable \u003cstrong\u003eWord (DOCX)\u003c\/strong\u003e and searchable, printable \u003cstrong\u003ePDF\u003c\/strong\u003e: \u003cstrong\u003e01\u003c\/strong\u003e early detection of payment difficulties, \u003cstrong\u003e02\u003c\/strong\u003e customer letter and budget\/debt counseling, \u003cstrong\u003e03\u003c\/strong\u003e individual suitability assessment, \u003cstrong\u003e04\u003c\/strong\u003e offer of payment relief\/contract amendment, \u003cstrong\u003e05\u003c\/strong\u003e overdraft and special twelve-month offer, \u003cstrong\u003e06\u003c\/strong\u003e Swedish user guide and \u003cstrong\u003e07\u003c\/strong\u003e English User Guide. In addition, \u003cstrong\u003e08 Excel – case and action register\u003c\/strong\u003e. Total \u003cstrong\u003e7 Word + 7 PDF + 1 Excel = 15 customer files\u003c\/strong\u003e.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003cdiv style=\"border:2px solid #90B5D0;border-radius:10px;padding:16px 19px;background:#F1F7FB;margin:18px 0\"\u003e\n\n\u003ch2\u003eWhat the files contain\u003c\/h2\u003e\n\n\u003cp\u003eFields for credit type and contract date, transition check, early warning signs, counseling referral, verified default, individualized suitability assessment, customer communication, possible payment options, authorized attestation, chain of evidence, and follow-up. In Excel, only \u003cstrong\u003eanonymized case IDs and status\u003c\/strong\u003e are stored – not names, personal identity numbers, account numbers, credit balances, or sensitive customer data.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003ch2\u003eExactly which files do you get?\u003c\/h2\u003e\n\n\u003cdiv style=\"overflow-x:auto\"\u003e\u003ctable\u003e\n\n\u003cthead\u003e\u003ctr\u003e\n\n\u003cth scope=\"col\"\u003eWork file\u003c\/th\u003e\n\n\u003cth scope=\"col\"\u003ePractical function\u003c\/th\u003e\n\n\u003cth scope=\"col\"\u003eLanguage and format\u003c\/th\u003e\n\n\n\u003c\/tr\u003e\u003c\/thead\u003e\n\n\u003ctbody\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e01 Early detection procedure\u003c\/td\u003e\n\n\u003ctd\u003eEstablish risk indicators, responsible function, follow-up, and path to budget\/debt counseling.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish · editable DOCX + searchable PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e02 Customer letter about counseling\u003c\/td\u003e\n\n\u003ctd\u003eInform factually about detected difficulties and where the customer can turn for support.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e03 Individual suitability assessment\u003c\/td\u003e\n\n\u003ctd\u003eAssess personal circumstances, repayment ability, possible options, and documented decision in case of default.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e04 Offer of contract amendment\u003c\/td\u003e\n\n\u003ctd\u003eBasis for an offer of an adjusted payment plan or other suitable alternative; requires actual contract check and acceptance.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e05 Overdraft – 12 months\u003c\/td\u003e\n\n\u003ctd\u003eSeparate assessment of information before termination or reduction, and the possibility of twelve equal monthly payments according to applicable terms.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e06 Swedish user guide\u003c\/td\u003e\n\n\u003ctd\u003eWork order, exceptions, transition rules, examples, and source references.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e07 English User Guide\u003c\/td\u003e\n\n\u003ctd\u003eExplains how the Swedish templates should be used. The work templates are not translated into English.\u003c\/td\u003e\n\n\u003ctd\u003eEnglish · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e08 Excel register\u003c\/td\u003e\n\n\u003ctd\u003eNine tabs with manual case status, basis, checkpoints, and formula-based compilation.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish · editable XLSX\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\n\u003c\/tbody\u003e\n\n\n\u003c\/table\u003e\u003c\/div\u003e\n\n\u003ch2\u003eNine Excel tabs with checkpoints\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eOverview, Cases, Suitability, Offers, Overdraft, Counseling, Follow-up, Actions, and Read me.\u003c\/strong\u003e There are status options and formulas that count registered cases, unclear transition issues, open suitability assessments, offer drafts, special overdraft issues, missing counseling information, delayed follow-ups, and open or blocked actions.\u003c\/p\u003e\n\n\u003cp\u003eExcel only counts what the user actually registers. \u003cstrong\u003eZero cases or warnings does not automatically mean that the requirements of the law are met.\u003c\/strong\u003e The register file contains no personal data, no interest calculator, and no automatic legal decision engine.\u003c\/p\u003e\n\n\u003ch2\u003eLegal basis – important differences\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eChapter 6, Section 11 – early detection:\u003c\/strong\u003e the creditor shall have procedures and guidelines to detect financial difficulties to fulfill the credit agreement early. When such difficulties are detected, the customer shall receive information about where he or she can turn for support in budget and debt issues.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eChapter 6, Section 12 – alternatives in case of default:\u003c\/strong\u003e if the consumer is in default, the creditor shall, \u003cem\u003ewhen appropriate\u003c\/em\u003e, offer alternatives to enforcement measures that involve changing the credit agreement. The individual assessment shall consider the consumer's personal circumstances and repayment ability. It is not an unconditional right to stay of execution or an automatic prohibition of collection.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eChapter 6, Sections 9–10 – certain overdrafts:\u003c\/strong\u003e a termination or reduction of the credit limit in certain agreed overdrafts requires special information, in affected cases at least 30 days before the change takes effect. The creditor shall, under the conditions in Section 10, offer the possibility to pay the overdue amount in twelve equal monthly payments together with credit interest before enforcement measures are taken. It is a special rule, not a general twelve-month guarantee for all loans.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eChapter 6, Section 13 – exceptions:\u003c\/strong\u003e certain special invoice credit is exempt from Chapter 6, Section 8, while securities credits are exempt from Chapter 6, Sections 11–12, among others. The exact scope of the exceptions must be examined before a template is used.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eTransitional provisions:\u003c\/strong\u003e credit agreements entered into before November 20, 2026 are generally still covered by the older consumer credit act with special specified exceptions. A creditor should therefore not mechanically apply all new process rules to older agreements.\u003c\/p\u003e\n\n\u003cp\u003eFor background: \u003ca href=\"https:\/\/www.konsumentverket.se\/nyhet\/striktare-regler-for-laneforetag\/\"\u003eConsumer Agency information from November 2026\u003c\/a\u003e and \u003ca href=\"https:\/\/www.fi.se\/sv\/vara-register\/fffs\/sok-fffs\/2026\/202632\/\"\u003eFinancial Supervisory Authority general advice FFFS 2026:32\u003c\/a\u003e. The FI's general advice has a different legal status than binding legal provisions.\u003c\/p\u003e\n\n\u003ch2\u003eHow to use the package\u003c\/h2\u003e\n\n\u003col\u003e\n\n\u003cli\u003eIdentify the creditor, credit type, licensing\/supervision conditions, and contract date.\u003c\/li\u003e\n\n\u003cli\u003eCheck which regulatory framework and which exceptions apply in the individual case.\u003c\/li\u003e\n\n\u003cli\u003eDocument early signs and information about municipal budget and debt counseling.\u003c\/li\u003e\n\n\u003cli\u003eIn case of verified default: individually assess whether contract amendment or payment relief is appropriate.\u003c\/li\u003e\n\n\u003cli\u003eSeparately assess whether the overdraft is covered by the 30-day information and twelve-month offer.\u003c\/li\u003e\n\n\u003cli\u003eDecide with the authorized function, check the actual amounts and terms in the business's credit\/financial system, and provide correct customer information.\u003c\/li\u003e\n\n\u003cli\u003eSave the basis in a protected customer file and use only anonymized case references in Excel.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\n\u003ch2\u003eDifference from other Mallbutiken templates\u003c\/h2\u003e\n\n\u003cp\u003e\u003ca href=\"\/en\/products\/bnpl-checkout-konsumentkredit-2026-ansvarsmatris\"\u003eBNPL – checkout and credit check\u003c\/a\u003e focuses on consumer credits before credit is granted. \u003ca href=\"\/en\/products\/automatiserad-kreditprovning-mansklig-granskning-2026\"\u003eAutomated credit assessment\u003c\/a\u003e refers to human review and rejection. \u003ca href=\"\/en\/products\/bestrida-inkassokrav-invandningsbrev-bevisjournal-excel\"\u003eContesting collection demands\u003c\/a\u003e is for those who object to a demand. \u003cstrong\u003eThis product concerns the creditor's actions when a consumer already has or risks payment difficulties.\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\n\n\u003ch3\u003eMust a creditor always grant a payment stay?\u003c\/h3\u003e\n\n\u003cp\u003eNo. Chapter 6, Section 12 presupposes an individual assessment of whether a contract-amending alternative is appropriate in case of payment default.\u003c\/p\u003e\n\n\u003ch3\u003eMust the customer receive information about debt counseling?\u003c\/h3\u003e\n\n\u003cp\u003eFor creditors covered by Chapter 6, Section 11, there is an information obligation when financial difficulties are detected. Credit law, exceptions, and transition rules must be examined.\u003c\/p\u003e\n\n\u003ch3\u003eDo all customers have the right to twelve months of installment payments?\u003c\/h3\u003e\n\n\u003cp\u003eNo. The special twelve-month rule in Chapter 6, Section 10 refers to certain situations when the creditor terminates or reduces the credit limit for an overdraft.\u003c\/p\u003e\n\n\u003ch3\u003eCan Excel be counted as a complete customer file?\u003c\/h3\u003e\n\n\u003cp\u003eNo. The files are for process logging and secure evidence references. The customer's personal data and credit basis belong in an access-protected system.\u003c\/p\u003e\n\n\u003ch3\u003eCan I use the package for older credit agreements?\u003c\/h3\u003e\n\n\u003cp\u003eOnly after checking the transition rules. Older agreements are basically covered by the earlier law with certain express exceptions.\u003c\/p\u003e\n\n\u003ch3\u003eAre the PDF files digitally fillable?\u003c\/h3\u003e\n\n\u003cp\u003eNo. The PDFs are searchable and suitable for printing; DOCX and XLSX are the editable files.\u003c\/p\u003e\n\n\u003ch3\u003eAre English customer letters or credit agreements included?\u003c\/h3\u003e\n\n\u003cp\u003eNo. The work templates are Swedish. English User Guide helps English-speaking users understand them.\u003c\/p\u003e\n\n\u003ch2\u003eVersion and legal transparency\u003c\/h2\u003e\n\n\u003cp\u003e\u003csmall\u003e\u003cstrong\u003eVersion 1.0 · November 12, 2026.\u003c\/strong\u003e Sources have been reviewed with AI assistance based on public Swedish law and authority information. No external legal review, actual credit assessment, legal attestation, payment calculation, or authority certification has been carried out. Check the legal status, applicable supervision, and your customer agreements with an expert function before use. The ZIP customer file is not linked to Digital Products until the product draft has been approved for publication.\u003c\/small\u003e\u003c\/p\u003e\n\n\n\u003c\/div\u003e","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":56596443234646,"sku":"KKL-BETALNINGSSTOD-2026-V1","price":79.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/01_Kreditstod_huvudbild_1600.png?v=1794494400","url":"https:\/\/mallbutiken.se\/en\/products\/konsumentkredit-2026-betalningssvarigheter-anstand-kundatgarder","provider":"Mallbutiken","version":"1.0","type":"link"}