Perx-konkursen: Tryg Forsikring har fått 800 krav

Tryg Forsikring has received approximately 800 claims related to investments in loans facilitated through Perx Folkefinansiering, following the company's bankruptcy just before Christmas. Perx had facilitated loans worth over a billion kroner, with thousands of ordinary and professional investors lending their savings through the platform.

After the bankruptcy, 3,500 lenders remained responsible for over 500 million in outstanding loans to around 150 borrowers. It has been unclear what will happen to the loans because the "middleman" that facilitated the process is no longer there, and the flow of money between lenders and borrowers has been halted. Tryg does not have a total sum for the registered claims.

They are currently working on gathering an overview of the claims and determining how to handle the cases next. Hundreds of small savers have organized into various associations to get their money back. The largest among them, Xperx, has 969 members with over 400 million kroner in outstanding loans. Xperx has encouraged members to submit claims to Tryg by August 20th, as they have liability insurance tied to Perx.

The board has considered whether it would be strategically beneficial to pursue a common claim on behalf of the lenders. However, legal counsel Tony A. Vangen advises against it. Xperx has also created a template for submitting claims in consultation with Elden-advokaten. Submitting claims on behalf of all would put them at risk if the claims are dismissed by Tryg.

Another challenge is that lenders have different loan agreements depending on when investors started contributing to Perx. Not all lenders necessarily have claims on the same amount. Handling a hundred of loans and making a decision for each individual lender is an impossible task to undertake on a voluntary basis. Just before the bankruptcy, Finanstilsynet criticized Perx for rule violations and misleading information, leading to a halt in new loans.

In the months leading up to the bankruptcy, E24 published a series of critical articles about Perx, causing a temporary halt in new loans. Perx was in dire financial trouble, but its leadership failed to secure additional funding. Following the bankruptcy, newspapers such as Kapital, DN, and Moss Avis also investigated the company.

The latest update from the bankruptcy office is that a consumer council will investigate potential criminal activities related to the company. Morten Haugen, the consumer council's head, states that they will likely have nothing more to report on this or other matters until the end of the year.