Refund processing fees: Which loans are affected

Recently, the BGH has passed a verdict, which many bank customers should be pleased. The judges in Karlsruhe decided that banks are not allowed to impose any processing fees on their customers for loans, in addition to interest payable. This issue has long been controversial. Customers now have to check whether the verdict concerns their loans and may look forward to a refund processing fees.

Refund Processing Fees – Which loans are affected

Refund Processing Fees - Which loans are affected

The ruling covers all loans that are private in nature and are settled in the form of installment loans, so-called consumer loans. What should be financed with the loan, is initially secondary, so that loans for real estate to the range of loans involved count. Even customers of already paid loans should be able to benefit from the new verdict and the refund processing fees, but so far only on the safe side, who has closed his contract from 2011, as questions about the statute of limitations of claims for restitution have not yet been clarified. Until then, a regular limitation period of three years must be assumed. Judgments on this topic are expected at the end of 2014.

Processing fees in the pillory

The stumbling block is processing fees set by the bank, which have been dictated unilaterally without the customer. According to BGH, such charges are inadmissible because the banks are already processing loan applications out of their own business interests and are only authorized to collect interest. So if you have a loan from 2011 completed, which counts among the affected cases and also had to pay processing fees, should reclaim his money as soon as possible.

Which steps need to be initiated

The claim for reimbursement must be enforced individually against the bank in question, so you have to go directly to the bank from which you took the loan. First of all, a sample letter can be used to request reimbursement directly from the bank. If the bank refuses to repay, a lawyer should be given the task of handling the case and seeking legal proceedings.

Suddenly Need Money – Quick Loan

The loan institution Greener Forty is a Polish company that specializes in short-term loans via the Internet. The Greener Forty company offers money that we can use for any purpose. Sure Cash has prepared quick online loans for its customers. Where all formalities are kept to a minimum.

In this company, we can borrow money in the amount of 100 to 8000 PLN for the repayment period up to 65 days. The Polish loan company stands out against the competition with an offer that allows each new customer to take the first loan for free in the amount of 100 to 6000 PLN. We must repay this balance within 65 days. A PLN 0 loan will be free only if we give it back on time.

In the company Greener Forty, payday loans can be taken by clients who are Polish citizens aged between 18 and 65. People who want to borrow must also have a bank account and a mobile phone. The company also cooperates with the Credit Information Bureau and BIG Info Monitor.

Quick cash login

Quick cash login

All loan deals in Quick Cash are a solution for those who suddenly need money. It is primarily a loan company that offers its customers a free first hour of up to PLN 6,000. Applying for a loan takes place online and lasts only a few minutes, and its analysis usually closes within a dozen or so minutes.

  1. At the very beginning, we must select the amount and the repayment period;
  2. Then create an account on the website and complete a simple application form;
  3. After completing the application, you must complete a verification transfer in order to verify your identity for PLN 0.01. The website has a reservation that the transaction can not be made from an account at SKOK;
  4. Verification of the application takes several minutes. If the decision is positive, the money will be transferred to the customer’s account.