I’d like to understand how credit reporting and collections works in Japan with respect to unpaid private classes with a small company that were never cancelled, but with no attendance the last 6 months. My wife, without me knowing, had setup a monthly contract with an extracurricular class for our child about 1.5 years ago. Our child was doing the classes for a year but had stopped due to busy schedules about 6 months ago. Around the same time, wife has cancelled her credit card due to loss.
I found out today via my child’s email that the company has been emailing her to say they have not been able to collect the payment. I had then asked my wife to immediately cancel the class.
I would like to know what would happen should my wife not pay for the past 6 months, which my daughter hasn’t even been able to attend. I know the ethical thing to do is pay it off and be done with it should they ask. We will try to negotiate…
In the event that we do not pay back the past 6 months, what would happen? I am trying to understand if our credit card company, even if the card has been cancelled, would put us on a black list and our credit rating dropped? I guess they could hire a collection agency to demand payment like in USA. However we never showed any kind of personal ID (no passport no My Number etc), just our names, address (we had also moved since then) and phone numbers.
Go ahead and downvote for being shady but I am trying to figure out how the whole credit and collections system works in Japan.
As mentioned I will have my wife call them and negotiate to see if we can reduce the back fees since our child never attended the last 6 months, but I’d like to know how the system works here.
Please only answer if you understand how the credit system works in Japan – negative comments on ethics and the right thing to do will be ignored.
All the while she was actually attending the classes in the 1st year, my wife had paid in full. It is only for the past 6 months where she forgot to cancel the contract and which my child has not attended the classes where we are worried they will try to collect the fees since wife never officially cancelled on their online tool.
It is a neighborhood business offering a type of extracurricular class for children… besides the shame of having to run into them in public, what are the legal or credit repercussions should we not pay for the past 6 months (since credit card was cancelled), yet never cancelled the month to month contract.
by Huskeranien