The customer service assistant was super easy to communicate and very understanding. He was so kind and patient. What difference it makes.for someone who is under a lot of financial stress. I don't mi... See more
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I had a problem with payment because I was forced to stay in Lebanon for nearly three months, even though the plan was only for a few days. This is what caused me to be late in my payments, as I had n... See more
Company replied
Guten Morgen Ich komme aus England. I would like to say the college you have is fantastic polite thoughtful and understanding to the problem I have. He helped to solve my problem and issue wi... See more
Company replied
Mrs. Schwarz was super helpful, understanding and communicative even in English, she said that she didn’t know English well but she did great, you rarely get such good customer service person. Thank... See more
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Company details
Written by the company
PAIR Finance revolutionizes debt collection. ❯❯ We are mandated by our clients to find a solution to settle an outstanding debt. Let’s achieve a fair agreement. Pay your open claims with just a few taps on your smartphone. Digital, easy & personal ✓ We're looking forward to hearing from you!
Contact info
Knesebeckstr. 62-63, 10719, Berlin, Germany
- 030 340602950
- kundenservice@pairfinance.de
- www.pairfinance.com
4.7
Excellent
14k reviews
Asks customers to review
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Rapid debt collection for unannounced subscription trial conversions
PAIR Finance handles debt recovery for online subscription services like JobLeads. On September 3, 2026, I received a collection demand regarding an unpaid 249 PLN invoice for a full membership that auto-converted following a 14-day paid trial (started July 19 for 9.90 PLN).
The merchant failed to send any pre-renewal warnings before activating the full subscription on credit, yet PAIR Finance immediately deployed automated collection demands with added administrative fees. I settled claim strictly to avoid legal complications, but consumers should be aware of how aggressively unannounced trial conversions are pushed to collections by this agency.
3 September 2026
Unprompted review
The customer service assistant ws.super
The customer service assistant was super easy to communicate and very understanding. He was so kind and patient. What difference it makes.for someone who is under a lot of financial stress. I don't mind talking to him again in the future. I also need to mention about another customer service agent who I spoke to few weeks back Miss Tina...she was also great
4 September 2026
Very nice person
4 September 2026
May use AI-assist with repliesRead more
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
Stop
I feel like a lot of the good reviews here are scams. I am in the same boat as the people who have also given one star reviews. They are trying to collect a debt that I have already paid with JobLeads. They continue to contact me even though I've shown ample proof that I've done so. Now they're even trying to contact me in German? I don't appreciate being harassed like this and it's maybe more JobLeads' fault than it is Pair Finance but also sending me an email in an entirely wrong language is pretty poor work.
3 September 2026
Unprompted review
Reply from PAIR Finance GmbH
Hallo Angie,
vielen Dank für Dein Feedback – wir nehmen Deine Bedenken sehr ernst.
Ich kann nachvollziehen, dass diese Situation für Dich ärgerlich ist, besonders wenn Du bereits Zahlungsnachweis für JobLeads erbracht hast. Das ist verständlicherweise frustrierend. Gleichzeitig möchte ich Dir ein paar Dinge erklären, die helfen können:
Es ist möglich, dass die Forderung von JobLeads an PAIR Finance abgetreten wurde – das bedeutet, dass wir die Eintreibung übernommen haben, obwohl die ursprüngliche Schuld bei JobLeads lag. In diesem Fall müssen wir intern prüfen, ob Dein Zahlungsnachweis bereits verarbeitet wurde.
Zur Sprachfrage: Es tut mir leid, dass Du eine deutsche Nachricht erhalten hast. Das hätte nicht geschehen dürfen. Wir werden sicherstellen, dass Deine Sprachpräferenz (Englisch) in unserem System korrekt hinterlegt ist, damit solche Missverständnisse nicht mehr vorkommen.
Damit wir das schnell für Dich klären können, möchten wir Dich bitten, Deinen Zahlungsnachweis bei uns einzureichen oder – falls bereits geschehen – uns die Details durchzugeben. Du kannst Dich jederzeit direkt an unser Team unter customercare@pairfinance.com wenden. Wir werden dies mit Priorität prüfen.
Danke für Deine Geduld und Dein Vertrauen.
Viele Grüße,
Tim
Customer Care Team – PAIR Finance
I had a problem with payment because I…
I had a problem with payment because I was forced to stay in Lebanon for nearly three months, even though the plan was only for a few days. This is what caused me to be late in my payments, as I had no income during this entire period. When I called you and explained my problem, I found great understanding and facilitations in the solution; therefore, I thank you very much.
3 September 2026
Reply from PAIR Finance GmbH
Hello Ahmad,
thank you very much for your positive review! We're glad we could help you find a solution during a difficult time. Understanding our customers' situations is important to us, and we're happy we could support you.
We appreciate your trust and wish you all the best.
Best regards,
Tim
Customer Care Team
PAIR Finance
Quick way of finding solution really…
Quick way of finding solution really polite at the same time.
2 September 2026
Reply from PAIR Finance GmbH
Hello Lukasz,
thank you for your feedback! We're delighted that we could find a solution for you so quickly and that our team was so courteous throughout the process.
Best regards
Tim
Customer Care Team - PAIR Finance
Reply from PAIR Finance GmbH
Hello Kelvin,
thank you for your feedback. We're delighted that we could provide such understanding and good service!
Best regards
Tim
Customer Care Team PAIR Finance
Appalling customer service and contradictory billing practices
I cancelled my trial membership well within the required 14-day window and even received an official confirmation email from JobLeads on the final day verifying my cancellation and stating when my access would end.
Despite holding their own written proof, their system generated an invalid renewal invoice. When contacting support, they repeatedly ignored the clear timestamp of their own confirmation receipt, misquoted termination dates, and sent robotic, copy-pasted responses refusing to acknowledge the facts.
Trying to dispute an administrative error with them has been an absolute headache. If you use a trial here, expect them to ignore their own cancellation receipts and chase you for money you don't owe. Save yourself the stress and avoid them entirely.
1 September 2026
Unprompted review
Reply from PAIR Finance GmbH
Hello Justin,
thank you for taking the time to share your feedback. I can understand your frustration —
particularly when you have documented confirmation of your cancellation.
To investigate this properly and find a solution, we need to review the specific details
of your situation.
**What we will investigate:**
- Your cancellation timing and the confirmation you received
- The billing processes that led to the disputed invoice
- Whether the administrative steps were correctly followed on all sides
**What we need from you:**
To move forward efficiently, please contact our team and provide:
- Your full name and email address used with JobLeads
- The cancellation confirmation email (date and timestamp)
- The disputed invoice (date and amount)
- Any other correspondence with JobLeads support
**Next steps:**
Please send this information to: **customercare@pairfinance.com**
Our team will investigate your case and get back to you with clarity on what happened
and how we can help resolve this.
Best regards,
**Tim**
Customer Care Team – PAIR Finance
Disgusting company that harassed and…
Disgusting company that harassed and exploited me by taking my money for an unfounded claim. They are really shameless and just make a quick buck from being thugs.
24 August 2026
Unprompted review
Reply from PAIR Finance GmbH
Hello Ameera,
Thank you for taking the time to share your feedback – it matters to us.
I can understand your frustration about the payment that was deducted, especially if you believe the claim is unfounded. This is a serious concern and deserves a clear answer.
We work exclusively on the basis of legitimate, documented claims that are transferred to us by our clients. Every payment or collection step follows strict legal criteria – never arbitrarily. If there has been an error, we want to put it right.
Here's what we can do for you:
Please reach out to us directly at customercare@pairfinance.com and share your customer number along with the details of the disputed payment. Our team will thoroughly review your case and explain transparently how the claim was calculated. If we have made a mistake, we will correct it without delay.
We want to earn your trust back – give us the chance to put things right.
Best regards,
Tim
Customer Care Team – PAIR Finance
The person is totally helpful and…
The person is totally helpful and friendly and understanding
20 August 2026
Reply from PAIR Finance GmbH
Hello Lorelyn,
thank you for your positive feedback!
We're delighted that our team member could help you with such friendliness and understanding.
Best regards,
Tim
Customer Care Team, PAIR Finance
I am currently dealing with two claims…
I am currently dealing with two claims that PAIR Finance is attempting to collect on behalf of JobLeads.
The underlying dispute concerns JobLeads subscriptions. I contacted JobLeads directly and requested clarification regarding the claims. JobLeads provided only a partial response and ignored the key questions raised in my follow-up correspondence.
I have also contacted PAIR Finance twice in an attempt to resolve the matter and obtain a substantive response.
I initially responded to their collection demands and formally disputed the claims. When I received no substantive response and continued receiving automated payment reminders, I contacted PAIR Finance again, clearly explaining that the claims remain disputed and asking them to address my objections.
Both times I replied directly to the emails sent by PAIR Finance, using the communication channel explicitly provided in their own correspondence: You can reply to this email if you have any questions.
Despite these two attempts, I have received no substantive response to my dispute.
Instead, PAIR Finance continues to send automated payment demands. Some of their emails even ask why I am not responding to their communications, although I have already contacted them twice and formally disputed the claims.
Their latest messages go further and state that if I do not pay, they will consider this a “voluntary decision not to pay the debt.”
This is precisely the problem. I am not refusing to communicate and I am not simply ignoring their payment requests. The claims are formally disputed, and I have repeatedly attempted to obtain clarification. Instead of addressing my objections, PAIR Finance continues to send payment demands.
I have now given PAIR Finance a final deadline to provide a substantive response. If the dispute continues to be ignored, I intend to submit formal complaints to the relevant consumer protection and supervisory authorities.
If PAIR Finance responds to this review by asking me to contact them at another email address, I would like to point out in advance that I have already contacted them twice through the communication channel explicitly provided in their own collection emails.
The issue is not how to contact PAIR Finance. The issue is that my dispute concerning JobLeads claims remains unanswered while collection activity continues.
14 August 2026
Reply from PAIR Finance GmbH
Dear Michele,
Thank you for your detailed message. We understand your frustration — your formal dispute deserves a substantive response, not automated reminders.
You are right: we should have addressed your objections directly when you contacted us. This is a process failure on our part.
What happens now:
Your dispute will be escalated to our disputes team with full priority. We will review your previous correspondence and provide you with a substantive response to your objections within 5 business days.
Please confirm:
Your claim reference number(s)
Your email address for our response
Please reply directly to this message, or contact us at customercare@pairfinance.com.
We take your dispute seriously and will respond accordingly.
Yours sincerely,
Tim
PAIR Finance Customer Care Team
Guten Morgen
Guten Morgen
Ich komme aus England.
I would like to say the college you have is fantastic polite thoughtful and understanding to the problem I have.
He helped to solve my problem and issue with my debt in which I can pay.
Excellent Customer service skills
Has I have this also working tk maxx Customer service for 6 years in England. I recommend him for Employer of month. If you have this. If not I recommend you start and put his face on the wall to encourage others to give the same quality of service. Thank your for help.
Libre Gruße
William Charles Green
13 August 2026
Reply from PAIR Finance GmbH
Hello William,
thank you so much for your kind feedback. We're delighted that we could help you find a workable solution for your debt situation. Your appreciation means a lot to us.
Best regards,
Tim
Customer Care Team - PAIR Finance
Reply from PAIR Finance GmbH
Hello Clinton,
Thank you very much for your review! We're delighted to hear that you found our process straightforward and amazing.
Best regards
Tim
Customer Care Team - PAIR Finance
Reply from PAIR Finance GmbH
Hallo Marchidan Valentin,
vielen Dank für deine Bewertung! Es freut uns sehr zu lesen, dass du unseren Service als sehr professionell empfunden hast.
Viele Grüße
Tim
Customer Care Team - PAIR Finance
Very unprofessionally with collection and apply unjustifiable charges
Very unprofessionally with collection. They send an email with request for payment and after you seek clarification they proceed to add additional cost to your bill that it relates to communication and postage fees meanwhile all communications are held via emails instead of writing a formal letter to you. They have no real contact person to speak to and use the law in an unfriendly way to apply unjustifiable charges. Also, they dont seek enough information from the company they are taking collection for but rather advance to do collection without substantial information.
5 August 2026
Unprompted review
Reply from PAIR Finance GmbH
Hello Jens,
Thank you for taking the time to share your feedback with us. Your comments are important to us, and we appreciate your honesty. I can understand how frustrating it is to receive unexpected fees on your bill, especially when the reasoning hasn't been clearly explained.
Let me address a few points that may help to clarify the situation.
Regarding the additional fees (postage and communication costs):
These charges are standard in the German debt collection process and are regulated under the RVG (German legal fee regulations). They cover the actual costs of postal correspondence, document management and case administration. You are absolutely right to expect transparency, and these fees should have been clearly itemised in your initial payment notice. If that wasn't the case, we need to address this with you directly.
Regarding the lack of personal contact:
You've raised an important point. I understand how frustrating it is to have to navigate automated processes when you have questions or concerns. Having a real person to talk to makes all the difference, and we want to make that possible for you.
Regarding our due diligence:
We take our responsibility seriously. Before we initiate any formal proceedings, we review the claim as part of our commitment to integrity. If you have concerns about whether the underlying debt is justified, that's certainly something we should discuss.
Here's what I'd like to suggest:
Rather than leaving this unresolved, I would genuinely like to sit down with you and talk through everything — the fees, the claim and your concerns. Please send us an email at customercare@pairfinance.com to let us know.
- Your phone number
- Your preferred callback time
- A brief note of your time zone (so we can call you at a convenient time)
One of our team will then get in touch with you personally. We'll explain each charge, clarify the process and answer any questions you have. That's what good customer care looks like, and that's what you deserve.
Thank you for giving us the chance to put things right.
Best regards,
Tim, Customer Care Team – PAIR Finance
Reply from PAIR Finance GmbH
Hello Idrissa,
Thank you very much for your review! We're delighted to hear that our colleague knew exactly how to communicate with you.
Best regards
Tim
Customer Care Team - PAIR Finance
Thanks for her also for nice speaking…
Thanks for her also for nice speaking and great job!
4 August 2026
Reply from PAIR Finance GmbH
Hello Tamta,
Thank you very much for your review! We're delighted to hear that the conversation was pleasant and that our colleague did a great job. We'll gladly pass on your kind words to her!
Best regards
Tim
Customer Care Team - PAIR Finance
Reply from PAIR Finance GmbH
Hi Angela,
thank you so much for your wonderful review! 🙌 We're thrilled that our understanding and support made a difference for you.
Your feedback means the world to us and motivates us to keep delivering the best service possible. We look forward to working with you!
Best regards
Tim
Customer Care Team – PAIR Finance
Worst pet insurance I have ever had
Worst pet insurance I have ever had. Do not waste your money.
I signed up to protect my dog in case of an accident. When she actually got hurt, Barkibu refused to cover anything — no explanation, no alternative, just a flat "no." Their customer service is non-existent: you only get automated responses, unless they need to charge you. Then they’re suddenly very present.
Their billing system is a complete disaster. Both my monthly fees and my vet visit payments were charged directly to my credit card through their Barkibu card. On one occasion, a monthly fee was charged twice — to two different cards of mine — and they never reimbursed it. On top of that, three vet payments came directly out of my card, but Barkibu never registered them on their end. Instead of investigating, they sent me to a collections agency demanding I pay those same amounts again — over 300€ that had already left my account. I had to spend months fighting this with official bank statements, complaints to BaFin, and the Versicherungsombudsmann just to prove I had already paid.
They also have zero understanding of foreign credit cards. If your card isn’t a German bank account, good luck — they will not know how to handle it and will use it against you.
My dog had an accident. I paid everything out of pocket. And then I was charged over 300€ extra for payments that had already gone through — because their system simply didn’t register them. This insurance protected nothing and cost me everything.
Do not use Barkibu.
27 July 2026
Reply from PAIR Finance GmbH
Hello Barbara,
Thank you for sharing your feedback. We take your concerns very seriously, especially those relating to payment registration and coverage decisions.
An important clarification:
Your review is actually about Barkibu, our insurance partner, rather than PAIR Finance directly. We are escalating this issue immediately to their management team to ensure it receives the priority attention it deserves.
As you have already filed complaints with BaFin and the Versicherungsombudsmann (Insurance Ombudsman), we cannot discuss all the details publicly here, as this could compromise the investigation or create legal complications.
Here's what happens next:
Please write directly to Barkibu at customercare@barkibu.de with the following information:
Your policy number/case reference
Subject line: 'BARBARA – ESCALATION'.
Their team will personally:
- review all transactions (payments, fees and registrations);
- examine the coverage denial and provide full written justification;
- investigate the double charge and collection agency matter and pursue recovery claims if warranted;
- contact you directly (in English or German, not automated responses) to clarify everything.
We have also flagged your case as a high priority internally to ensure that Barkibu responds promptly.
Barbara, if their systems have failed you, they need to fix them – not burden you further.
We look forward to resolving this issue.
Tim
Customer Care Team – PAIR Finance
The operator answered all of my…
The operator answered all of my questions and was very helpful. Everything was resolved quickly
27 July 2026
Reply from PAIR Finance GmbH
Hello Anna,
thank you so much for your feedback! We're delighted to hear that our operator could answer all your questions and that everything was resolved quickly. That's exactly what we strive for – efficient and helpful support.
We wish you all the best!
Best regards,
Tim
Customer Care Team – PAIR Finance
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