Loan dispute — Finansklagenemnda (FinKN) · Norway

Direct answer

Every lender must have a complaints procedure and answer within a fixed deadline, so start there in writing. When they refuse, ignore you or the deadline passes, Finansklagenemnda (FinKN) (23 13 19 60) — the financial ombudsman for Norway — decides for free and the lender must follow. Finanstilsynet — markedsadvarsler (22 93 98 00) licenses lenders and takes complaints about unlicensed or predatory lending, hidden costs and unfair terms. Forbrukertilsynet (23 400 600) helps with your rights as a consumer, such as the 14-day withdrawal from any credit agreement.

Call firstFinansklagenemnda (FinKN)

Report toFinanstilsynet — markedsadvarsler

If that failsForbrukertilsynet

🗣️ What to say

"I make a formal complaint about agreement [number]. [The interest / fee / charge] was not disclosed clearly / is not in the contract / the payment plan was changed without my consent. I ask you to [refund / correct] within the legal deadline and to confirm in writing."

🪜 Step by step

Complain to the lenderIn writing, with the word "complaint". They must answer within the legal deadline (often 15 working days, up to two months).
Check the paperworkPre-contract information, total cost of credit, APR — missing or misleading information can make fees unenforceable.
Withdrawal rightAny consumer credit can be cancelled within 14 days without reason, repaying only the capital and interest for the days used.
Escalate to Finansklagenemnda (FinKN)Free, in writing, binding on the lender up to a limit. Attach the complaint and the answer.
Unlicensed lender: Finanstilsynet — markedsadvarslerCheck the register. An unlicensed lender cannot enforce interest and may not enforce the loan at all.

📇 All contacts

Finansklagenemnda (FinKN)Free complaints handling against banks and insurersAfter complaining to the bank without a solution📞 23 13 19 60 🔗 www.finkn.no

Finanstilsynet — markedsadvarslerSupervision; warning listUnauthorised firms📞 22 93 98 00 🔗 www.finanstilsynet.no

ForbrukertilsynetGuidance and mediation between you and the seller, freeWhen the shop refuses📞 23 400 600 🔗 www.forbrukertilsynet.no

NAV — økonomisk rådgivning (800GJELD)Free debt advice, debt settlement via the enforcement officerAs soon as bills cannot be paid📞 55 55 33 39 🔗 www.nav.no/okonomi-og-gjeld

❓ Frequently asked

Buy-now-pay-later counts as credit?

Yes since the 2023 consumer credit rules: same complaint rights, same ombudsman, and the fees must be disclosed up front.

They added a "late fee" I never saw

A fee not in the contract cannot be charged. Dispute it and complain; the ombudsman removes these routinely.

Can they take money from my account?

Only with a valid direct-debit mandate you gave. You can revoke the mandate at the bank and reverse unauthorised debits.

📎 Sources

Last checked: 2026-09-26

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