Refund illegal bank fees

also says something about this bank's understanding of the law when it kicks out a customer who is in the right.

You probably have to see it a bit differently.

The fees had to be refunded "rightfully." The bank has the right to choose its customers in the future, just as the customer can choose their bank. And NO ONE in Germany is forced to conduct business that ultimately results in a loss.

That's how it is. Simple revenue/expense calculation. Or would you continue one (or more) terminable contracts if you are overall running at a loss? Probably not.

I relativize "nobody"... doctors, social services and banks with [P-Konten] and garnishments and maybe a few more.

I found that the bank was clearly much more upset that we did not arrange the construction financing through them. Both the construction financing and the refund claim for the processing fees of our personal loan came about at the same time. When the repayment was due, we were invited on-site for a "consultation appointment," where they asked us if we wanted to sign this or that contract. When we said that there was no need for retirement planning at the moment since we had just bought a house, the customer advisor asked with a sour expression why we hadn’t asked them. I didn’t tell her that the house bank is excluded from construction financing from the start because I don’t want the construction financing bank to have unrestricted access to my checking account transactions. That’s why I have three banks: a house bank where the checking account with salary deposits is, a construction financing bank, and a third one for the construction account. Since I myself once worked at a bank, a long time ago, I gained enough insight into what happens with customer data.

Maybe a stupid question, but what are the disadvantages of financing with the house bank? Of course, assuming you don't constantly go into overdraft...

The disadvantage is that the bank receives more information than it needs. I still remember well that in the morning, the bank would first print out meters of lists from the computers, which were automatically generated: people who had been in overdraft for too long (had to be sent letters with a few warning words) and people who had too much money in their checking accounts (also received mail asking if they wanted to invest money). The more accounts you have with the same bank, the more information is automatically cross-checked. Since computers do this, nothing goes unnoticed and, of course, this information is used. And that in the bank’s interest — but also in the customer’s interest? Data hygiene is one point, the second is that "everything from one provider" is usually significantly more expensive than comparing each product separately. This is especially true for insurances. They like to take advantage of customers’ convenience. For example, my father-in-law pays almost twice as much for his car insurance (everything from one provider — about 5 or 6 insurances) as we do (each insurance somewhere else, mostly changed annually). Both small cars, but he has SF 25 and we have SF 5. Liability insurance is the same story. I prefer to make a bit of an effort and spend what I save elsewhere. As explained above, I also wouldn’t go to the house bank for the mortgage if they were actually cheaper than other providers. But they’re not; according to the online inquiry, it was 0.6% above our current provider.