Payment defaults

1. Short description

Purpose of this page is to describe Payment defaults reports and information structures.

2. Data structures

Detail information about valid and settled payment defaults

Name	Type	Description	Additional info
<owner>	element	Information about company who has entered this payment default info the Credit Register (creditor or a person acting on creditor's behalf)
is_registry_member	attribute	Indicates if owner is registry member	boolean
registry_code	attribute	Estonian company registry code	Missing in case company is registry member or is not Estonian company
owner_id	attribute	Owner's unique ID	Missing in case company is registry member or is not Estonian company
<name>	element	Owner's name	Missing in case company is registry member or is not Estonian company
<activity>	element	Owner's field of activity
code	attribute	Activity code
classification	attribute	Field of activity classification	EMTAK2008
<debt_range>	element	Valid payment default's current amount range	For settled payment defaults xsi:nil="true"
max_debt_range	element	Payment default's maximum amount range
<begin_date>	element	Payment defaults begin date
<end_date>	elemnt	Payment defaults end date	For valid payment defaults xsi:nil="true"
<end reason>	element	Payment default end reason	Element is intended for future use. Until further notice, the value is always xsi:nil="true"

Sample response:

-<payment_defaults currency="EUR">
	-<payment_default>
		-<owner is_registry_member="true">
			<activity code="61201" classification="EMTAK2008">Mobiilsideteenus</activity>
		</owner>
		<debt_range xsi:nil="true"/>
		<max_debt_range>65-320</max_debt_range>
		<begin_date>2019-08-19</begin_date>
		<end_date>2021-02-02</end_date>
		<end_reason xsi:nil="true"/>
	</payment_default>
	-<payment_default>
		-<owner is_registry_member="false" registry_code="00000000" owner_id="11111">
			<name>ETTEVÕTE AS</name>
			<activity code="82911" classification="EMTAK2008">Inkassoteenus ja krediidiinfo</activity>
		</owner>
		<debt_range>640-3200</debt_range>
		<max_debt_range>640-3200</max_debt_range>
		<begin_date>2019-08-15</begin_date>
		<end_date xsi:nil="true"/>
		<end_reason xsi:nil="true"/>
	</payment_default>
</payment_defaults>

Number of disputed payment defaults

Sample response until February 2022:

<disputed_payment_defaults_count xsi:nil="true"/>

Sample response from February 1st, 2022:

<disputed_payment_defaults_count>1</disputed_payment_defaults_count>

3. Ready-to-use reports

Eraisiku maksehäired (RAXPPPDRE)

Report provides information about private person payment defaults.

Language: estonian

XSD schema: https://services.krediidiinfo.ee/schemas/report/RAXPPPDRE.xsd

Sample reponse:

<report language="et" created="2021-11-29T11:03:33" code="RAXPPPDRE" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="https://services.krediidiinfo.ee/schemas/report/RAXPPPDRE.xsd">
   <person person_code="00000000000">
      <disputed_payment_defaults_count xsi:nil="true"/>
      <payment_defaults currency="EUR">
         <payment_default>
            <owner is_registry_member="true">
               <activity code="61201" classification="EMTAK2008">Mobiilsideteenus</activity>
            </owner>
            <debt_range xsi:nil="true"/>
            <max_debt_range>65-320</max_debt_range>
            <begin_date>2019-08-19</begin_date>
            <end_date>2021-02-02</end_date>
            <end_reason xsi:nil="true"/>
         </payment_default>
         <payment_default>
            <owner is_registry_member="false" registry_code="00000000" owner_id="11111">
               <name>ETTEVÕTE AS</name>
               <activity code="82911" classification="EMTAK2008">Inkassoteenus ja krediidiinfo</activity>
            </owner>
            <debt_range>640-3200</debt_range>
            <max_debt_range>640-3200</max_debt_range>
            <begin_date>2019-08-15</begin_date>
            <end_date xsi:nil="true"/>
            <end_reason xsi:nil="true"/>
         </payment_default>
      </payment_defaults>
   </person>
</report>