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Rechtsanwalt Marian Härtel - ITMediaLaw

In case of credit card payment: Always cancel any cancellation receipt!

30. September 2019
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credit card 1583534 1280

The District Court of Frankfurt am Main has ruled that bank customers have no claim for compensation against the bank in the event of misuse of payment cards if they do not allow themselves to be handed over to customers in the event of a false termination of the transaction and tolerate: that the payee moves with a card reader and payment card from the customer’s field of vision (Amtsgericht Frankfurt am Main, judgment of 6 August 2010, Az. 30 C 4153/18 (20)).

In the underlying case, the applicant sought to pay the invoice by payment card in a restaurant on Hamburg’s Reeperbahn. According to his account, he handed the card to a female person in the restaurant in question and entered the PIN in the card reader. The employee of the restaurant then removed herself from the plaintiff’s field of view for several minutes with a card and reader. On her return, she said the transaction had not worked. The plaintiff did not ask for a demolition receipt. This process was repeated several times, including a second payment card from the applicant. In hindsight, the applicant found that cash withdrawals had taken place at an ATM at 3.47 and 3.52 a.m. using the original cards of €1,000 each. The applicant claimed that the card-issuing bank had to repay those amounts.

The district court dismissed the action and stated that the defendant is not obliged under Section 675u sentence 2 of the German Civil Code (BGB) to reimburse the unauthorised payment because the plaintiff caused the damage by a grossly negligent breach of his contractual obligations. (Section 675v (3) No. 2 of the German Civil Code). Cardholders are obliged not to tolerate the payee removing the device and card from his field of vision in order to prevent abusive dispositions. In order to avoid attempts at abuse, the cardholder may only comply with a new request to enter the PIN if he has had a notice of termination handed over to him in the event of an allegedly failed transaction. Only in that case can the cardholder be sure that the previous payment attempt had failed and that the renewed request to enter the PIN was not only intended to enable abusive withdrawals. The fact that the applicant did not act accordingly in the specific case must be deemed to be grossly negligent.

The decision is not final

Marian Härtel
Author: Marian Härtel

Marian Härtel ist Rechtsanwalt und Fachanwalt für IT-Recht mit einer über 25-jährigen Erfahrung als Unternehmer und Berater in den Bereichen Games, E-Sport, Blockchain, SaaS und Künstliche Intelligenz. Seine Beratungsschwerpunkte umfassen neben dem IT-Recht insbesondere das Urheberrecht, Medienrecht sowie Wettbewerbsrecht. Er betreut schwerpunktmäßig Start-ups, Agenturen und Influencer, die er in strategischen Fragen, komplexen Vertragsangelegenheiten sowie bei Investitionsprojekten begleitet. Dabei zeichnet sich seine Beratung durch einen interdisziplinären Ansatz aus, der juristische Expertise und langjährige unternehmerische Erfahrung miteinander verbindet. Ziel seiner Tätigkeit ist stets, Mandanten praxisorientierte Lösungen anzubieten und rechtlich fundierte Unterstützung bei der Umsetzung innovativer Geschäftsmodelle zu gewährleisten.

Tags: BankCredit cardFrankfurtHamburgLawsuit

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  • Informationen
    • Ideal partner
    • About lawyer Marian Härtel
    • Quick and flexible access
    • Principles as a lawyer
    • Why a lawyer and business consultant?
    • Focus areas of attorney Marian Härtel
      • Focus on start-ups
      • Investment advice
      • Corporate law
      • Cryptocurrencies, Blockchain and Games
      • AI and SaaS
      • Streamers and influencers
      • Games and esports law
      • IT/IP Law
      • Law firm for GMBH,UG, GbR
      • Law firm for IT/IP and media law
    • The everyday life of an IT lawyer
    • How can I help clients?
    • Testimonials
    • Team: Saskia Härtel – WHO AM I?
    • Agile and lean law firm
    • Price overview
    • Various information
      • Terms
      • Privacy policy
      • Imprint
  • Services
    • Support and advice of agencies
    • Contract review and preparation
    • Games law consulting
    • Consulting for influencers and streamers
    • Advice in e-commerce
    • DLT and Blockchain consulting
    • Legal advice in corporate law: from incorporation to structuring
    • Legal compliance and expert opinions
    • Outsourcing – for companies or law firms
    • Booking as speaker
  • News
    • Gloss / Opinion
    • Law on the Internet
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