Refund illegal bank fees

Hi,

there were two rulings by the Federal Court of Justice (BGH) regarding bank fees that were unlawfully charged and which can now be claimed back.

I quote from w w w . spiegel . de/wirtschaft/service/kreditbearbeitung-gebuehren-sind-unzulaessig-a-1001688.html:

Der Bundesgerichtshof hat den Banken in Urteilen im Mai (Az. XI ZR 170/13, XI ZR 405/12) und Oktober 2014 (Az. XI ZR 348/13 und Az. XI ZR 17/14) attestiert, dass sie für die Vergabe von Krediten unzulässige Gebühren von ihren Kunden eingestrichen haben.

There is even a sample letter at finanztip.

For a loan with a variable interest rate that I had obtained for the interim financing of my land purchase at DSL Bank, I was charged 450 euros processing fees. In view of the aforementioned rulings and with the help of the sample letter, I would now like to claim back the processing fees.

Has anyone ever done this and has experience with it?

Regards klblb

Is the loan still running there?

Nope. It was paid off by another loan from a different bank.

Yes, we did that and it was even repaid with an additional 5% interest. If you have any questions, feel free to contact me via PN.

Yes, I did it when the corresponding judgment came out. But that was already about 2 years ago. The bank hesitated a bit, I wrote to the arbitration board and the money came quickly. That you can claim back the fees is old news.

And a little more salt in the wound...

The first bank terminated the entire business relationship with a customer after he demanded the fees back.

The bank is obliged to repay the fee, but no bank is obliged to continue a business relationship if no other contractual obligations provide for this.