Notice periods for forward loans

Ah
Can you say something about my chances with the MHB on this topic?
The "special" thing was the statement from Dr. Klein... according to them, there have already been customers where the bank did not let them out of the contract after 10.5 years...

What circumstances could the bank accept for that?

If the deadlines are indeed laid down in the law like that, you can't just pick and choose, right?

Unfortunately, I don't believe yet that we'll get out that easily...

No one can override the applicable law. It can happen that a clerk initially misinterprets it. Then the normal escalation steps:

- Letter with reference
- Complaint management
- Ombudsman
- Lawyer

You encourage me, I think that's good

I am now waiting for an appointment at the bank, or rather for an answer from Dr. Klein... the consultant wanted to find out about it...

the consultant wanted to find out about it

She doesn't need to find out. She just has to look at the contract, do a quick calculation and that's it. It takes about 7 seconds.

What circumstances could the bank assume for this?

The 10 + 0.5 years only start ticking from the full disbursement. That means it is definitely not counted from the signature.
The deadline also resets if the contract has been changed. I believe HilfeHilfe has already cited something on that.

In my opinion, whether 2020 or 2024 applies to you depends on the last point. If the disbursement date of the forward loan counts, then 2024 applies.

But I lack the experience there; if nordanney says it works like that, then it probably does.

The 10 + 0.5 years only start ticking from full payment. That means you don’t calculate from the signature. The deadline also resets if the contract was changed. I think HilfeHilfe already quoted something about that. In my opinion, whether 2020 or 2024 applies to you depends on the last point. If the payout date of the forward loan counts, then 2024 applies. But I lack the experience; if nordanney says it works that way, then it probably does.

That was exactly the initial question, which date now applies. According to the law, the date of the signature for the forward loan counts, I had already quite clearly understood that here, hadn’t I?

I had quite clearly read here that, according to the law, the date of the signature counts for the forward loan, hadn’t I?

Yep. You can also refer to the judgment of the Bochum Regional Court of September 14, 2015, file number I-1 O 68/15.