Problems with rent payment
If you are struggling to make your rent payments, contact Heka in good time to resolve the situation.
The rent payments for Heka flats are due on the 4th of each month. You can always check the details and status of your rent payments on the Resident Portal.
Follow these instructions if you're having trouble paying your rent on time
Heka can create a payment agreement for you through the customer service. Call +358 9 5767 3000 or request a payment agreement through Heka’s Resident Portal. You can also ask Kela if you can receive housing allowance or income support. The Kela website has a calculator that helps you find out if you are eligible for housing allowance. You can also fill in a housing allowance application on Kela’s website.
Housing consultation will have answers for you. They can help you find out if you are entitled to financial support from Kela or social services to pay your rent. The housing counsellor can also help you solve challenges with your housing or life situation more extensively. Check the phone number for the advisor of your location (in Finnish)
The Guarantee Foundation provides free and confidential advice regarding financial matters and payment issues, such as general debt counselling and small loans. If you wish, you can start talking to them anonymously in their chat service. See contact information
Ohjaamo is a place for all young adults under the age of 30. They provide free help, information, and support on housing, education, wellbeing, and employment. You can visit Ohjaamo’s help desks without an appointment. You can also call, email, or have a chat on Discord.
Social credit is a possible solution. You can receive a credit of up to €15,000 on reasonable terms to consolidate your debts into a single loan. Call +358 9 310 43929 or visit the Guarantee Foundation website.
Rental debt may lead to termination of the lease
If you fail to pay your rent on time or comply with your payment agreement with Heka, we will initiate legal debt collection, i.e. we will seek a court order from the district court to terminate your lease and carry out eviction. You will receive a reminder and letter from Heka informing you of Heka’s intention to initiate legal debt collection.
Continued rental debt or repeated late payment of the rent may also lead to the termination of the lease. If you continuously fail to pay a part of your rent or you are consistently blatantly late in paying it, we will also send you a collection letter advising you to correct the situation. If you do not correct your rent payment behaviour, the matter will eventually go to court.
If your debt proceeds to the district court proceedings, you will receive advice from Heka, if necessary. You can contact our customer service for advice.
Collection phases
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1The resident does not react to collection letters or other forms of contact.
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2Heka will take the case to the district court.
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3The resident will be subpoenaed by the district court.
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4An eviction judgment from the district court. A derogatory mark on the resident’s credit report.
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5Heka will proceed with the execution of the eviction judgement.
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6Eviction, living in Heka’s flat ends. Debt collection by an enforcement order.