BGH banking judgment: money back!
It’s a groundbreaking ruling: the German Federal Court of Justice (BGH) has ruled that banks and savings banks were wrong to charge penalty interest (so-called “custody fees”) and fees for replacement bank cards and replacement PINs. Now they have to pay the money back – but you have to take action to get it!
Find out more in this article:
- What the BGH ruling means and why banks are obliged to make repayments
- How to claim your money back now – simple & legally compliant with PepperPapers
- What all this has to do with the new property tax
The BGH ruling: Penalty interest & fees are illegal!
On February 4, 2025, the Federal Court of Justice clarified in four test cases that banks and savings banks had violated applicable law.
- Penalty interest (custody fees) on savings balances were inadmissible from the outset. Banks have ripped off customers by charging them money for saving – even though this is against the very purpose of saving.
- Charges for replacement bank cards and PINs are invalid. Banks have been charging fees for lost or defective cards and PINs for years – this is also illegal according to the BGH!
The verdict is in: the banks have to pay back the money! But they won’t do it automatically.
Get your money back now – but only with an official claim!
Many people think that the banks will reimburse the unlawful penalty interest and fees of their own accord after the ruling. Wrong!
- Nothing happens without an official demand.
- You must actively invoke your right.
- Banks rely on customers not claiming their money.
This is exactly where PepperPapers comes into play!
With our legally secure legal document, you can claim your money back – simply and stress-free:
- Reclaim all penalty interest & fees paid
- Claim additional interest on arrears
- Legal document with all arguments & BGH ruling as a basis
- Claim reimbursement of costs for the document!
Secure now: Legal document for reclaiming penalty interest & fees
Banks & property tax – the same trick!
You may be asking yourself: What does all this have to do with the new property tax? It’s simple:
- Penalty interest & property tax are the same principle – citizens are being ripped off, although it is clear that the regulation is illegal!
- The banks won in the first instance – but lost in the end. Just as the tax offices & municipalities are now trying to reject property tax appeals.
- The courts will ultimately have to decide. And that’s exactly why you have to keep your property tax appeal open – just like the claim against the banks!
Don’t be put off by rejections and threats – go through with it and insist on your rights!
Secure your legal document for property tax now:
- Sample objection tax office
- Sample objection municipality
- Model case tax court
- Model complaint administrative court
Saving tip: Use the new PepperPapers subscription & secure ALL legal documents!
We have developed the PepperPapers subscription so that everyone can assert their rights – for maximum savings:
- PepperPapers Private Subscription – Perfect for owners & private individuals. 19,99 €/month, access to ALL private legal documents!
- PepperPapers Pro subscription – Ideal for entrepreneurs & professionals. 79.99 €/month, access to ALL legal documents – private & commercial! With extra benefits!
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Conclusion: Take action now & get your money back!
- Whether it’s penalty interest, bank charges or property tax – your rights won’t be enforced by themselves.
- With the right legal documents from PepperPapers.de, you can successfully defend yourself.
- Don’t be intimidated – get back what’s rightfully yours!
View all documents & take action now: PepperPapers.com
Get even more information on the topic in our YouTube video!
Share this post with anyone who wants to fight back against unlawful fees & taxes!
