BGH judgment: Request illegal account fees by the end of 2025!
BGH judgment: Request illegal account fees by the end of 2025!
Ossendorf, Deutschland - An important court ruling of the Federal Court of Justice (BGH) of June 3, 2025 caused a vortex among Sparkassen customers. Many of them may have paid illegal account fees and can hope to get their money back. However, a quick need for action is required: the reimbursement claims must be asserted by December 31, 2025 at the latest. Otherwise, they become irrevocable as to this in particular claims from 2022.
according to Ruhr24, the claims for recovery are particularly valid for fees that were collected without active approval from the customer. These concern various fees such as account management fees, fees for deposits and withdrawals, costs for SMS-TAN procedures and other items based on non-effective clauses. However, customers who have given their consent cannot request reimbursement.
important steps to reclaim
What to do to get the money back? The consumer center has published a clear guide in four steps:
- review of the documents for ineffective clauses.
- tracking of contract changes since 2021.
- Calculation of the wrongly paid amounts.
- contact with the bank using a sample letter.
The banks are obliged to provide a remuneration line -up - this means that customers should receive a good overview of their payments. Another important detail is that the limitation period for the recovery begins with the approval of the account conclusion, not only with the knowledge of the ineffectiveness of the clauses. However, the regulations on the repayment claims apply not only to savings banks, but also apply to accounts at other banks, such as Consumer Center reports.
Legal background and reactions of the banks
The legal framework is also clearly outlined. The BGH has once again clarified that price increases must be due to ineffective clauses so that customers can reclaim money. A silence of customers as consent is inadmissible. The consumer advice centers have already raised model declaratory action against some institutes to underpin the rights of consumers.
In the recent past, some banks have reacted to the reimbursement claims with account announcements, which is legally permissible. Nevertheless, the possibility of the recovery of the fees remains unaffected, as [Https://www.ver consumerzentral-niedersachsen.de/themen/finanzen/banken-payungsrung/bgh-ließ- zu-rueck payment claims.
whether you are at Sparkasse or another bank, it is definitely worth taking your own account movements under the eye. Anyone who has paid for fees that may not be legal could get their money back. Remember: the clock ticks, and the steps should be tackled by the end of the year!
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| Ort | Ossendorf, Deutschland |
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