• Mehr als 3 Millionen Wörter Inhalt
  • |
  • info@itmedialaw.com
  • |
  • Tel: 03322 5078053
Rechtsanwalt Marian Härtel - ITMediaLaw

No products in the cart.

  • en English
  • de Deutsch
  • 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
    • Online retail
    • Law and computer games
    • Law and Esport
    • Blockchain and web law
    • Data protection Law
    • Copyright
    • Labour law
    • Competition law
    • Corporate
    • EU law
    • Law on the protection of minors
    • Tax
    • Other
    • Internally
  • Podcast
    • ITMediaLaw Podcast
  • Knowledge base
  • Videos
    • Information videos – about Marian Härtel
    • Videos – about me (Couch)
    • Blogpost – individual videos
    • Videos on services
    • Shorts
    • Podcast format
    • Third-party videos
    • Other videos
  • Contact
Kurzberatung
  • 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
    • Online retail
    • Law and computer games
    • Law and Esport
    • Blockchain and web law
    • Data protection Law
    • Copyright
    • Labour law
    • Competition law
    • Corporate
    • EU law
    • Law on the protection of minors
    • Tax
    • Other
    • Internally
  • Podcast
    • ITMediaLaw Podcast
  • Knowledge base
  • Videos
    • Information videos – about Marian Härtel
    • Videos – about me (Couch)
    • Blogpost – individual videos
    • Videos on services
    • Shorts
    • Podcast format
    • Third-party videos
    • Other videos
  • Contact
Rechtsanwalt Marian Härtel - ITMediaLaw

No compensation for use in the event of revocation of a loan agreement concluded at a distance

7. November 2022
in Other
Reading Time: 2 mins read
0 0
A A
0
money 2696219 1280
Key Facts
  • ECJ rules: Borrower does not receive compensation for use after revoking a loan agreement concluded at a distance.
  • Plaintiff revoked two loan agreements for condominiums in 2015 due to incorrect revocation instructions.
  • Bank did not recognize revocation; plaintiff sued for a declaration of validity.
  • Bonn Regional Court: Revocation effective, but borrower must return disbursedloan.
  • ECJ: Consumer can only demand reimbursement of the repayment and interest amounts, not compensation for use.
  • Directive 2002/65/EC leads to full harmonization; provider does not have to provide additional compensation for use.
  • Ruling has implications for distance selling loan agreements and consumer rights.

The ECJ has ruled that a borrower cannot claim compensation for use of amounts received in the course of performing the contract after revoking a loan agreement concluded at a distance.

In 2005, the plaintiff, as a consumer, concluded two loan agreements at a distance with the to finance two condominiums. In 2015, he declared the revocation of these contracts to the bank. He claimed that the information on revocation provided to him when the contract was concluded had been incorrect. Since the bank did not recognize that the plaintiff had effectively revoked the contracts in question, the plaintiff brought an action before the Bonn Regional Court for a declaration that his revocation was effective and for an order that the bank pay compensation for use on the interest that he had paid to the bank until the revocation. In the opinion of the Regional Court, the plaintiff was able to effectively revoke the contracts because the revocation instruction was incorrect. As far as the consequences of the revocation are concerned, the Regional Court points out that under German law the borrower is obliged to return the disbursed loan to the lender and to surrender the benefits derived therefrom. In principle, these amounted to the interest provided for in the contract concluded by the parties. For its part, the lender is obliged not only to return the amounts received to the borrower, but also to pay compensation for the use thereof. However, according to the Regional Court, it is not in line with Directive 2002/65 on the distance marketing of consumer financial services (Art. 7) that the borrower can claim compensation for use from the lender. It therefore asked the ECJ to interpret the directive.

The ECJ answered the LG Bonn as follows:

– Art. 7 par. Article 4 of Directive 2002/65/EC of the European Parliament and of the Council of 23 September 2002 concerning the distance marketing of consumer financial services and amending Council Directive 90/619/EEC and Directives 97/7/EC and 98/27/EC must be interpreted as meaning that a consumer who exercises his right of cancellation in respect of a loan agreement concluded at a distance with a supplier must be reimbursed by the supplier, subject to the amounts which he himself may have paid under the conditions laid down in Article 7(1) of that directive. 1 and 3 of this Directive, may claim reimbursement of the principal and interest amounts paid to fulfill the contract, but not compensation for use of these amounts.

According to the ECJ, if the consumer pays the loan principal plus interest to the provider to fulfill the loan agreement, the provider must reimburse both the repayment amounts and the loan interest to the consumer in the event of revocation. On the other hand, the directive, which in principle brings about full harmonization of the aspects it regulates, does not provide that, if the consumer revokes the contract concluded with him, the supplier would be obliged, in addition to reimbursing the consumer for the repayment of principal and interest paid by him, also to pay the consumer compensation for use of the sums received in the course of performance of the contract.

 

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: BankCancellation policyConsumerFinancingInterestLawsuitserviceVerträge

Weitere spannende Blogposts

OLG Frankfurt rules on influencer labelling requirement for sponsored travel

Legal form as an influencer? A few hints!
24. October 2019

Summary With today's decision, the Higher Regional Court of Frankfurt am Main has prohibited an influencer and YouTuber from presenting...

Read moreDetails

BGH decides on abuse of rights with regard to Umwelthilfe

No more free tissues at the pharmacy?
7. November 2022

The First Civil Senate of the German Federal Court of Justice, which is responsible among other things for claims under...

Read moreDetails

Reporting obligations under the Foreign Trade and Payments Act (AWG): A guide for startups and blockchain companies

Reporting obligations under the Foreign Trade and Payments Act (AWG): A guide for startups and blockchain companies
4. June 2023

Introduction Recently, an interesting issue was brought to my attention by a tax accountant friend. Over a cup of coffee,...

Read moreDetails

Everyday mask is not a medical device and may be sold online

More consumer protection when buying apps and software
7. November 2022

In a decision dated December 15, 2020 (Case No. I-4 W 116/20), the 4th Civil Senate of the Higher Regional...

Read moreDetails

Cologne Higher Regional Court on secret video recordings of Wallraff

Cologne Higher Regional Court on secret video recordings of Wallraff
7. November 2022

Covertly obtained sound and film material may give rise to a claim for injunctive relief, even if it is not...

Read moreDetails

Karlsruhe Higher Regional Court: Publication of image sequences from the RTL program “Pocher – gefährlich ehrlich” prohibited

Karlsruhe Higher Regional Court: Publication of image sequences from the RTL program “Pocher – gefährlich ehrlich” prohibited
1. December 2023

The civil dispute between the plaintiff (Boris Becker) and the defendant (Oliver Pocher) arose from an approximately 15-minute segment broadcast...

Read moreDetails

Attorney Härtel in the metaverse – so somehow: The chatbot

Attorney Härtel in the metaverse – so somehow: The chatbot
12. January 2023

AIs are currently on everyone's lips. And all tech-savvy lawyer who is an IT nerd myself and primarily advises and...

Read moreDetails

Publication of sales advertisements and classification as a trader

Publication of sales advertisements and classification as a trader
7. November 2022

According to the ECJ, if someone publishes several sales advertisements on a website, this does not automatically establish the activity...

Read moreDetails

Exploitation rights to articles of an editor

Exploitation rights to articles of an editor
28. June 2019

My career in the gaming industry started as the operator of a computer game magazine (before that I was editor...

Read moreDetails

Managing Director / Management

25. June 2023

Introduction In the corporate world, management plays a central role. It is responsible for the management and administration of a...

Read moreDetails
Participating Preferred

Participating Preferred

16. October 2024
Verbraucherschutzgesetz

Verbraucherschutzgesetz

15. October 2024
Einzelunternehmer / Einzelunternehmen

Einzelunternehmer / Einzelunternehmen

25. June 2023
Jugendschutzgesetz

Jugendschutzgesetz

1. July 2023

Podcast Folgen

Rechtliche Basics für Startup-Gründer – So startest du auf der sicheren Seite!

Rechtliche Basics für Startup-Gründer – So startest du auf der sicheren Seite!

1. November 2024

In dieser Episode des Itmedialaw Podcasts nimmt euch Rechtsanwalt und Unternehmer Marian Härtel mit auf eine Reise durch den rechtlichen...

Rechtskette beim Spieleentwickler

Rechtskette beim Spieleentwickler

19. April 2025

In dieser kurzen Episode diskutieren Anna und Max die Bedeutung der Rechtekette im Game Development – ein zentraler Aspekt für...

Rechtliche Herausforderungen im Gaming-Universum: Ein Leitfaden für Entwickler, Esportler und Gamer

Was wird 2025 für Startups juristisch bringen? Chancen? Risiken?

24. January 2025

In dieser spannenden Episode des itmedialaw-Podcasts tauchen wir tief in die rechtlichen Entwicklungen ein, die die Startup-Welt im Jahr 2025...

Der unkonventionelle Anwalt: Ein Nerd im Dienste des Rechts

Der unkonventionelle Anwalt: Ein Nerd im Dienste des Rechts

25. September 2024

In dieser fesselnden Episode des Podcasts "Der Unkonventionelle Anwalt" tauchen wir ein in die Welt eines Juristen, der die traditionellen...

  • Privacy policy
  • Imprint
  • Contact
  • About lawyer Marian Härtel
Marian Härtel, Rathenaustr. 58a, 14612 Falkensee, info@itmedialaw.com

Marian Härtel - Rechtsanwalt für IT-Recht, Medienrecht und Startups, mit einem Fokus auf innovative Geschäftsmodelle, Games, KI und Finanzierungsberatung.

Welcome Back!

Login to your account below

Forgotten Password? Sign Up

Create New Account!

Fill the forms below to register

All fields are required. Log In

Retrieve your password

Please enter your username or email address to reset your password.

Log In
  • 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
    • Online retail
    • Law and computer games
    • Law and Esport
    • Blockchain and web law
    • Data protection Law
    • Copyright
    • Labour law
    • Competition law
    • Corporate
    • EU law
    • Law on the protection of minors
    • Tax
    • Other
    • Internally
  • Podcast
    • ITMediaLaw Podcast
  • Knowledge base
  • Videos
    • Information videos – about Marian Härtel
    • Videos – about me (Couch)
    • Blogpost – individual videos
    • Videos on services
    • Shorts
    • Podcast format
    • Third-party videos
    • Other videos
  • Contact
  • en English
  • de Deutsch
Kostenlose Kurzberatung