Rights in case of incorrect debits
May 16, 2022 | 40,00 EUR | answered by Karl Böhm
Dear lawyer,
I am reaching out to you as I urgently need your help. My name is Phillip Busch and I have been a customer of a large bank for several years. Lately, I have noticed that my account regularly shows incorrect debits that I cannot explain. These are amounts that are unknown to me and for which I have not given permission.
This situation is causing me great concern as I do not know the cause of these debits and how to address them. I have already tried to contact my bank to seek clarification, but the outcome was not satisfactory. The bank could not provide me with satisfactory answers and I feel that my rights as a customer are not adequately protected.
Therefore, my question to you is: What rights do I have as a customer if my account shows incorrect debits? How can I take action against these unauthorized transactions and reclaim my money? Are there legal steps I can take to address my concerns and ensure my financial security?
I look forward to your professional advice and thank you in advance for your support.
Sincerely,
Phillip Busch
Dear Mr. Busch,
Thank you for your inquiry and your trust in my expertise as a lawyer specializing in banking law. The situation you describe is indeed concerning and requires a thorough clarification. It is important that as a customer, you know your rights and how to take action against unauthorized debits.
First and foremost, it is important to emphasize that as a bank customer, you are protected by contract law. Any debits made without your explicit consent can be considered unauthorized. In such a case, you have the right to demand the bank to refund the unauthorized amount.
The first step you should take is to write to your bank and contest the erroneous debits. Request the bank to provide a detailed explanation for the unauthorized transactions and demand the immediate refund of the amounts. If the bank does not comply with your request or provide a satisfactory explanation, you have the right to contact the consumer protection agency or a lawyer.
As a lawyer specializing in banking law, I can assist you in asserting your claims against the bank and initiating legal actions if necessary. Depending on the circumstances, we can, for example, file a claim for damages against the bank or submit a complaint to the financial services supervisory authority.
It is important that you gather all relevant documents and evidence to document your case. This includes bank statements, correspondence with the bank, and any other relevant documents. The more information you have, the better we can represent your interests and ensure your financial security.
Finally, I want to emphasize the importance of acting quickly and not waiting too long if you notice erroneous debits on your account. The sooner you act, the greater your chances of getting your money back and asserting your rights as a customer.
I am available to answer your questions and support you in your matter. Please do not hesitate to contact me to schedule an appointment for a personal consultation.
Sincerely,
Karl Böhm, Lawyer
