How can I defend myself against unauthorized reminders and debt collection demands from the bank?
April 29, 2023 | 30,00 EUR | answered by Karl Böhm
Dear lawyer,
I am reaching out to you today as I urgently need help with the following issue: Over the past few weeks, I have received unjustified reminders and debt collection requests from my bank. I am certain that I have paid all my obligations on time and have no outstanding payments.
The situation began about a month ago when I suddenly received a reminder from my bank, accusing me of an alleged outstanding amount of 500 euros. I was very surprised, as I regularly check my account movements and keep a close eye on my finances. Nevertheless, I checked my bank statement for safety and could not find any irregularities.
Despite this, I received more reminders in the following weeks and eventually even a debt collection request. These unjustified claims not only cause me financial burdens, but also significant stress and worry. I wonder how this confusion could have occurred and how I can effectively defend myself against it.
Therefore, I would like to know from you what steps I can take to defend myself against these unjustified reminders and debt collection requests. Are there legal options to clarify the situation and prove my innocence? How can I ensure that this unpleasant situation is resolved and rectified as quickly as possible, without harming my reputation or creditworthiness?
I thank you in advance for your assistance and look forward to your professional advice.
Sincerely,
Thomas Reuter
Dear Mr. Reuter,
Thank you for your inquiry and your trust in my expertise in the field of banking law. I understand that the unwarranted reminders and debt collection demands from your bank are causing you a great deal of stress and concern about your financial situation and reputation.
In such a situation, it is important to remain calm and approach the matter systematically to resolve it. Firstly, it is advisable to gather and document all documents and communication with the bank, including reminders, bank statements, letters to the bank, and any evidence of payments made. These documents will help you reconstruct the facts and prove your innocence.
As a next step, I recommend that you formally and evidentially (preferably by registered mail) object to the bank's unwarranted demands. In this objection, you should clearly state that you cannot understand the alleged outstanding amounts and request a prompt clarification of the matter. It is important to remain factual and polite in order to avoid escalating the situation.
Furthermore, I suggest seeking legal advice to effectively represent your interests. A banking lawyer can help you assert your claims against the bank and, if necessary, take legal action to defend against the unwarranted demands. The lawyer can also determine whether there has been an error on the part of the bank or if there is a case of mistaken identity.
Additionally, you should monitor your Schufa data and ensure that the unwarranted demands do not lead to a negative entry. If this does happen, you can contact Schufa and request a correction.
In conclusion, it is important to take proactive steps in this situation and not be intimidated by unwarranted demands. With the right strategy and legal support, you can hopefully resolve the matter quickly and successfully.
I am available for any further questions and support, and I wish you success in resolving the situation.
Best regards,
Karl Böhm, Lawyer
