premiums, savings contracts were in the ' 90s, something like the Bestseller of the savings banks. Now, hundreds of thousands of savers cheated feel: in mid-may, 2019 of the Federal court of justice (BGH) decided that the savings banks are allowed to terminate long-term savings contracts, under certain circumstances, (case XI ZR 345/18).
In the case of savers against the notices of termination of its "S-save Premiums flexible"-savings contracts, the Kreissparkasse Stendal, in Saxony-Anhalt sued. Contract increasing premium had been agreed, until the expiry of the 15. Saving year: you should gradually increase up to 50 percent to the paid savings contributions. A fixed term or a minimum term was agreed in the treaties but.
Although you are not likely to terminate their customers, as long as the highest reward level was not reached, said the judge. After that, however, a termination of expensive premiums, savings contracts, due to the low interest rates was right.More than 100 savings banks have profitable savings contracts terminated
The judgment of numerous other savings banks rose to the occasion, also to be idle. In the case of premiums saving contracts with other savings banks, it is however often different. Other termination conditions. Often terminations are not legal and therefore invalid. Chief financial officer - Live will-Online-conference on 3. August!
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However, in the meantime have advised more than 100 savings banks-customers-profitable-saving contracts kicked or terminations. Especially in Bavaria must make a saver, to an unexpected termination on the part of their savings Bank in focus: dozens of institutions have exited the loss-making contracts.
- Here you will find a list of all the savings banks, the cancel.
And constantly new savings banks are added nationwide, the go to this step. the exceptions so far, only the savings banks in
- Hesse, and
- Mecklenburg-Western Pomerania.
consumer advocates to put an end to this development, but is now a bar. You have made the Sparkasse Nuremberg: The verbraucherzentrale Bundesverband (vzbv) and the consumer Association of Bavaria filed on Wednesday in front of the Bavarian Supreme state court (OLG) in Munich, together a pattern for a declaratory judgment against the Bank.
The Sparkasse Nuremberg had sold between 1993 and 2007, more than 20,000 long-term premium savings contracts - so even before the persistently low interest rates. The contracts were originally subject to interest low offer from today's perspective, but due to the rewards an attractive return. Last year, the money house, announced the contracts suddenly.judges also have to decide whether or not the customer is still entitled to interest
The court should now clarify whether the termination of many contracts was legal, says a press release from the consumer advocates. At the same time, the judge will decide whether the Sparkasse Nürnberg has to pay to its customers, with premium savings rates. Because from the point of view of the consumer advocates, the Sparkasse Nürnberg has paid many rewards savers for years, to little interest. With FOCUS Online, the best money provider to find (display) To the current fixed-term Deposit comparison!
after the Supreme court ruling a year ago, the consumer had expressed a Central concern, whether the termination of the premium savings to be contracts in a big way right. The Supreme court had finally decided only on a case by case. "With our action, consumers can set themselves against dubious denunciations and interest calculations of the savings Bank to the military," said Sebastian Reiling, legal officer at the vzbv. Concerned savers can invest accordingly, "free and easy" in the procedure.It is about 4200 euros per contract - you need to do
This is likely to be worthwhile. Because in case of success, additional payments in the amount of 4200 euros per contract, to wave in a cut, the experts have calculated. Some customers even claim to be a five-digit refund amounts.
consumer advocates said that clients of the savings Bank of the pattern for a declaratory judgment, can connect, as soon as the complaint register was opened. If you are not sure how to do this, could contact the verbraucherzentrale Bayern.
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