Heimondo Estonia OÜ Debt Collection Licence
Summary
Finantsinspektsioon (Estonia FI) issued a debt collection agency licence to Heimondo Estonia OÜ on 8 September 2025. The licence authorises the company to call in debts arising from credit contracts of banks and creditors, collect overdue payments, and conduct negotiations over repayment conditions with borrowers. The licence also imposes obligations on the company to manage complaints and to inform borrowers of contractual requirements and any changes to interest rates, fees, or payments.
“The debt collection licence will give Heimondo Estonia OÜ the right to call in debts arising from the credit contracts of banks and creditors.”
What changed
Finantsinspektsioon has added Heimondo Estonia OÜ to the register of licensed debt collection agencies. The licence grants the company the right to collect debts arising from bank and creditor credit contracts, recover overdue payments, and negotiate modified repayment conditions with borrowers. The company is also obligated to handle borrower complaints and communicate any changes to interest rates, fees, or payment terms.
Lenders and creditors in Estonia should be aware that Heimondo Estonia OÜ is now a licensed operator in the debt collection market. Consumer-facing entities should ensure their debt collection and complaint handling procedures align with the obligations imposed on newly licensed collectors under Estonian financial supervision standards.
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Apr 21, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
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Heimondo Estonia OÜ was granted a licence as a credit servicer or debt collection agency
01/04/2026
Finantsinspektsioon issued a licence to operate as a debt collection agency to Heimondo Estonia OÜ on 8 September. The debt collection licence will give Heimondo Estonia OÜ the right to call in debts arising from the credit contracts of banks and creditors. It also gives Heimondo Estonia OÜ the right to collect the payments for claims that are overdue and to hold negotiations over the conditions with the borrower.
The licence also sets obligations on the company such as managing complaints relating to the credit contract and informing the borrower of requirements set in the credit contract by the bank or creditor, or changes to the interest rates, fees or payments in the credit contract.
The members of the management board of Heimondo Estonia OÜ are Kristjan Vahar and Aleksandr Pavlov.
The list of licensed debt collection agencies can be found in the register of market participants on the Finantsinspektsioon website.
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