We no longer have all data for some years because the retention period has expired. This may include contract details or transaction data. If we no longer have all transaction data, we will try to determine whether you qualify for compensation by using averages and assumptions. Do you have information that shows our calculation is incorrect? If so, we would be happy to receive it. Below you can read which information we can use to create a new calculation.
"}},{"componentType":"accordion","accordionList":[{"title":"Do you have or did you have a Revolving Credit?","richBody":{"value":"Up to and including 2009 we use averages and assumptions. With a copy of one of the following documents, we can create a new calculation for you.
"}},{"title":"Do you have or did you have a Revolving Creditcard?","richBody":{"value":"
Up to and including July 2011 we use averages and assumptions. With a copy of your credit card statements, we can create a new calculation for you.
Other years
Do you have documents from other years showing that the interest you paid or your interest rate differs from our calculation? If so, please send these to us so we can adjust the calculation.
"}},{"title":"Do you have or did you have an overdraft product?","richBody":{"value":"
For the years 2001 through 2009, we no longer have all data because the retention period has expired. With a copy of one of the following documents, we can create a new calculation for you.
Email the details below to mijncompensatie@ing.nl. Did you have the credit together with someone else? If so, make sure one of you sends all documents on behalf of both of you. We will then create a new compensation calculation for both of you.
Note: send one email per credit and use PDF, JPEG, JPG or PNG as the file type for attachments. Does your BSN (citizen service number) appear on a document? Always hide it. You can do this by covering it when taking the photo or scan, or by blacking it out on the image. You can easily do this with the Dutch government’s ‘KopieID’ app.
Helpful!
Copy the text below to use in your email. Fill in the details, attach the documents and your email is ready to send.
To: mijncompensatie@ing.nl
Subject: Documenten voor compensatieberekening
Dear ING,
Here are the requested details and documents.
Kind regards,
<Your name>
"}}]},{"componentType":"sectionTitle","title":"You will receive a new compensation calculation"},{"componentType":"paragraph","richBody":{"value":"As soon as we receive your documents, we will create a new calculation within 60 days. We will notify you once the calculation is ready. If your new calculation results in a lower amount, you will still receive a proposal for the original higher compensation amount.
If the compensation amount is more than €50, we will first draw up a Settlement Agreement. This means you need to sign our proposal, after which we close the case definitively and grant final settlement. If the compensation amount is less than €50, you don’t need to do anything the amount will be paid automatically to the account number we have on record.
Do you use the ING App or Mijn ING? Then you will receive an inbox message there. If you don’t use Mijn ING or have chosen to receive messages by post, you will receive a letter.
If you do not send documents
If you no longer have the requested documents or don’t send anything, we unfortunately cannot create a new calculation for you.
Below you’ll find the frequently asked questions about submitting your documents. General information and questions about the compensation scheme can be found at ing.nl/compensation. Is your question not listed or do you need help? Check service and contact for support. You can reach us on working days from 08:30 to 17:00. Or send an email to compensatieregeling@ing.nl.
"}},{"componentType":"accordion","accordionList":[{"title":"How can I get the requested documents?","richBody":{"value":"We shared the requested documents with you in the past, either by post or digitally. You may have stored them yourself in a folder, printed, or saved digitally. Unfortunately, we no longer have these details because the retention period has expired. This means we cannot provide the requested documents to you.
"}},{"title":"I no longer have the requested documents. What now?","richBody":{"value":"We no longer have the documents because the retention period has expired. This means we cannot provide them to you. If you also no longer have the requested documents yourself, we unfortunately cannot create a new calculation for you.
"}},{"title":"On which bank statement can I find the debit for my loan?","richBody":{"value":"If you have a loan with us, you pay a monthly instalment. This instalment consists of interest and repayment and is debited from your ING current account. On the bank statements of this ING account, the instalment shows your contract number, your interest rate and the interest you paid. We use this information to create the compensation calculation.
Do you still have bank statements from 2001 to 2009? If so, please send us a copy. You only need to send the pages that show the instalment for your loan, and you may cover any other details on the copy.
"}},{"title":"I don’t have bank statements but only the loan contract. Can you use that?","richBody":{"value":"Yes. Your loan contract shows your name, contract number, interest rate and credit limit. We use this information when creating the compensation calculation. If you still have your contract, please send us a copy of the pages that contain these details. You may cover any other information on the copy.
"}},{"title":"I don’t have a contract but only one or more bank statements. Can you use those?","richBody":{"value":"Yes. The bank statements from your ING current account show your interest rate and the interest you paid in the monthly instalment. We can use this information when creating the compensation calculation. Do you still have one or more bank statements from 2001 to 2009? If so, please send us a copy. You only need to send the page(s) that show the instalment for your loan.
"}},{"title":"I don’t have email. Can I send the information by post?","richBody":{"value":"Yes, that’s possible. Email is of course faster and more environmentally friendly.
Would you still prefer to send it by post? Then send the copies of the requested documents — without a stamp — to:
ING Compensatie Variabele Rente
Antwoordnummer 40050
8900 SC Leeuwarden
Note: it’s important that you write ING Compensatie Variabele Rente on the envelope
"}},{"title":"I had the loan together with someone else. Do we both need to submit documents?","richBody":{"value":"No, one of you can send the documents. If you are eligible for compensation, you will both receive a proposal for half of the amount.
"}},{"title":"I had multiple loans. Do I need to send documents for all of them?","richBody":{"value":"For some years, we no longer have all the data because the retention period has expired. For those years, we try to determine whether you qualify for compensation by using averages and assumptions. Do you have information that shows our calculation is incorrect? If so, we would be happy to receive it.
Please send one email per contract number.
The amount on your bank statement is your balance on a specific day. On other days of the month, you may have withdrawn or repaid money.
For the compensation calculation, we use the balance that was outstanding on average during the entire month. We calculate this using the interest you paid and your interest rate. This average outstanding balance can therefore be different from the balance on a specific day shown on your bank statement.
"}}]}]}}}