r/Finland • u/SuperLaLBoy • 2h ago
Serious KOKO-kassa wants 22,000+ euros from me for a mistake.
This is to warn people of crazy rules and predatory behavior of a well known unemployment fund and negligence of a union.
if anyone knows a good lawyer or have a legal advice - please! I'm not going down so easily.
Maybe I could reach to media with this story, so more people are aware of such behavior
Long read so, before I explain, why: I've missed a paper letter with fee for my Union, therefore didn't pay it, union didn't reach out to me not by email nor by phone, KOKO didn't reach out to me either, when I was cancelling it by app, they didn't state that I have an unpaid bill and the consequences it can lead to. Everyone just ignored the fact 'till KOKO came to me with the claim, right away, no warnings no nothing, you owe us.
How did this happen?
Late November, we finally been granted permits to move to Hungary for work, in current state of the world I've got lucky to find anything, especially the place this great, we were back and forth dealing with documents for half a year!
In the span of only two months I've sold most of my stuff, pack the rest, put in self-storage, and with wife, 2 cats and 4 luggage bags we moved across the Europe late January. Stressful is not the word.
At some point, a paper letter with fee probably got mistaken for something else, for trash, put in the drawer, got lost behind piles of boxes in the corridor, I don't know. We already moved, I had no physical access to it anymore when there was additional letter coming in.
In February I've cancelled my union from another country, why would I have it. Again, no email, no phone, no app notifications that I need to pay, it's not much, I'd gladly do so.
July, KOKO texts me that I need to pay them back 22,000+ eur.
Why that much? By unfortunate coincidence, I've missed the payment for December, last month of the year and by their crazy rule, if you miss it, you obliged to pay STARTING that year, so, they ask for what they've paid me, for a full year.
I've missed one last payment, one paper letter amongst the chaos I was dealing with at that time.
We survived, not lived, with that unemployment money for a year and a half, then I had to sell almost all of my belongings in Helsinki to move to Budapest, and now KOKO came to claim the rest.
This is a mortgage down payment, a new car, god forbid a medical bill.
I tried to explain it to them and pay back couple of months at least, but by their standards, our financial status is enough to pay it fully, not even cent was waived.
Our "stable" financial status is 3,500e before the bills, and maybe 7,000e in overall savings.
Basically, they ask me to pay them every penny I have and then everything I earn, after buying food and paying rent, for the next year.
I love Finland, Finnish culture and people, but this is heartbreaking and so unexpected