accidents happen. Even then, when it comes to a lot of money: a mistake in the long IBAN-Code, producing screwdriver, swap the names.
Other forget, your new account details. The Bank has forgiven the old but long-again – and the refund from the tax office lands, the credit from the electricity supplier or tour operator for someone else. Maybe an Ex, a Stranger. Particularly bitter, it is no longer, if the recipient moves the money out of it.
“The damage you alone,” warns Juliane White, a spokesperson of the Federal Association of German banks in Berlin. Wrong ran, direct debit, paypal or credit card payments, can be quickly ironed out. Failed transfers are, however, difficult to retrievable. This is to be done if sloppiness has crept in.
The simple cases: the IBAN is invalid
Endless 22 Provide the IBAN (International Bank Account Number) that is used for each Transfer. In the case of the input of so many digits, any amount of mistakes, the experience of Michael Hummel, a lawyer for the consumer advice centre of Saxony.
the user needs luck. In the best case, the Online System of the Bank makes from the outset: Transfer failed. When you Hand a completed Transfer form, the Bank is obliged to check whether the IBAN exists technically at all. Sometimes a wrong Transfer slips through and ends up in the best case, on an account that doesn’t exist. Then the money will be debited while, but comes back after a few days on the account. Case closed.
Here it is difficult: IBAN belongs to a real account
it is Tricky if the wrong wire is on the path to a valid account. Who noticed his error, should immediately contact the Bank, advises White. The money is still on the way, the Transfer is then often stop. The wrong Transfer is credited to already, it is too late. And it is complicated. With FOCUS Online the best checking accounts compare (display) current account comparison 2020: find The best account
The Bank has no access. “Just back book is not about the money is somewhere else,” explains Hummel. Who does not want to shoot the Transfer, in the Wind, you must ask the Bank for the disclosure procedure. The a stray bullet from 20 Euro upwards. The recipient is then asked to return. Whether or not he or she actually is on a different sheet. It is clear that banks return orders edit, free. The costs are between ten to 20 euros, so the Online consumer portal Finanztip.
Dumb move: The old IBAN is reassigned
Properly it becomes problematic if you expect a credit note, but forgot, the new account details and the Bank has granted the terminated IBAN to all Evil, long ago, to another customer.
An example: An elderly lady gets a refund from the tax office, it is about 3400 euros. It has failed, however, to the authority in a timely manner, your new IBAN number to be notified. The result is that The inland revenue transfers the money to the correct recipient, the Name of the Taxable person is correct. The refund ends up on the Wrong. The Bank has forgiven the old account number in the between time you can. The alien beneficiary retains the non-monetary blessings hoped for, and will not respond to again Ask the Bank to release the 3400 euros but brought back. Here, loan rates compare quickly and easily (display) To Focus Online loan rates comparison
can be Similar to be complicated, it is, if you forget, the employer, supplier or organiser of the new IBAN for the credit inform – and the money lands on the old account that the Ex-Partner has that is located in the Clinch. Now what? And who has to stand in for the failed Bank transfer right now?
banks don’t have to reimburse
banks are usually fine when it comes to strays. Refund you must a Cent, when your customer made a mistake, as the European court of justice (ECJ) ruled last year (Rs C-245/18). You are not even the responsibility, if the recipient’s name, the account number but does not fit. Because financial institutions are not obliged, according to the Civil law book (BGB), the recipient’s name and the IBAN of discrepancies to match.
Also the sender are in credits out of the picture
you can Also use the IRS or other senders of Remittances do not have the Black Peter, if you transfer on the Basis of incorrect account data. “There is need to take consumers to the own nose”, emphasizes the lawyer Hummel. His advice: Regularly check whether the account submitted links are still up to date. In addition, Transfers are always double-check before you submit.
refund of the money: So it can work
Basically: Is been booked a Transfer incorrectly, you must return the receiver. He has enriched the otherwise unjustified. A guarantee that he does not exist. The Bank is, to continue the investigation, must be the disappointed customer self-active, if necessary, to a lawyer and to a refund of the money claims. Anwalt.de (display), you your legal concern of the experts to examine!
The Bank has to give the address data of the recipient price. The data protection act is not relevant in this case.
But even the way over the dish does not always lead to success are issued to the wrong recipient, the money with full hands, can assume the plaintiff may be blank. ECB: First Inflation, then a new monetary order is coming – what the saver is in FOCUS ECB: First Inflation, then a new monetary order is coming – what is the for savers
is No Problem with direct debits & Co
Also in the case of direct debit, where money is moved in, many things can go wrong. Unauthorized or high charges are not uncommon. A mistake, but quickly corrected. Bank customers have a minimum of eight weeks, the law, your money back to book.
If you pay with services like PayPal, there is even a buyer protection of up to 180 days.
About the so-called Chargeback procedures also unfair credit card made to cancel payments within eight weeks. Thereafter, a return booking pure grace of the card company, is no longer a statutory right there are then.
More:
- The state of families is due to the Corona-crisis, now Extra-money: The so – called children’s or family bonus includes 300 Euro per child. Today, the Cabinet has taken a decision about it. FOCUS Online explains what you need to know the parents.
- The Federal Finance Ministry is working on a Reform of the Vehicle tax, which would be effective from 2021. Most of the motorists would then have to pay more. Who wants to save money, you should purchase his new car this year.
The FOCUS of Online In the
