How can I defend myself against unauthorized collection demands from my bank?
October 11, 2023 | 50,00 EUR | answered by Carsten Ahlert
Dear lawyer,
I am Wolfgang Schneider and I recently discovered that my bank has made unauthorized debt collection claims against me. I have a checking account with this bank and have always been punctual with my payments. However, I suddenly received reminders and threats from a debt collection agency acting on behalf of my bank.
I have already tried to contact the bank to resolve the matter, but I have not been given a satisfactory explanation. I am very worried about my financial situation and wonder how I can defend myself against these unauthorized debt collection claims.
What legal steps can I take to defend myself against the bank and the debt collection agency? Are there ways to challenge the claims and protect my rights as a consumer? I would like to know what legal actions I can take to stop these unfair practices and maintain my financial stability.
Thank you in advance for your support and advice.
Sincerely,
Wolfgang Schneider
Dear Mr. Schneider,
Thank you for your inquiry regarding the unjustified collection claims that your bank has made against you. It is understandable that you are concerned in this situation and wish to protect your financial stability. As a lawyer specializing in banking law, I am happy to assist you and will explain to you the legal steps you can take to defend yourself against these unjustified collection claims.
First and foremost, it is important that you carefully keep all documentation and communications with the bank and the collection agency. This may serve as evidence later on if you need to take legal action.
As a next step, I recommend submitting a written objection to the collection claims to both the bank and the collection agency. You should clearly explain why you believe the claims are unjustified and provide evidence to support your argument. Additionally, request a detailed breakdown of the claims and their validity.
If the objection is not successful and the bank continues to insist on the collection claims, you can initiate legal action. It is advisable to seek out a specialized lawyer in banking law to best represent your rights. Your lawyer can file a lawsuit against the bank and the collection agency and resolve the matter in court.
Furthermore, you can seek assistance and advice from consumer protection organizations or consumer centers. These organizations can help you protect your rights as a consumer and address unfair practices.
Overall, it is important that you actively defend yourself against the unjustified collection claims and not simply pay to avoid further legal trouble. With the support of an experienced lawyer, you can enforce your rights and maintain your financial stability.
I hope this information is helpful to you and I am available for any further questions.
Sincerely,
Carsten Ahlert
Lawyer specializing in banking law
