Widerrufsjoker sticht bei fehlender Angabe zur Kreditlaufzeit
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Widerrufsjoker sticht bei fehlender Angabe zur Kreditlaufzeit

Der Widerrufsjoker bei Darlehensverträgen sticht noch immer. Denn Banken und Sparkassen haben auch nach dem 10. Juni 2010 noch fehlerhafte Widerrufsbelehrungen verwendet. Das führt dazu, dass in diesen Fällen die Widerrufsfrist nicht in Lauf gesetzt wurde und der Widerruf immer noch möglich ist.
 
Am 21. Juni 2016 endete bekanntlich das sog. „ewige Widerrufsrecht“ bei Immobiliendarlehen, die vor dem 10. Juni 2010 abgeschlossen wurden. Nicht betroffen von dieser Frist sind jüngere Immobilienfinanzierungen, die nach diesem Datum abgeschlossen wurden. Auch bei diesen Verträgen gilt, dass sie widerrufen werden können, wenn sie fehlerhafte Belehrungen enthalten. Der Fehler steckt dabei zumeist im Detail oder genauer gesagt in den Pflichtangaben, die die Banken machen müssen. Zu diesen Pflichtangaben bei Immobiliendarlehen gehört u.a. die Angabe der Kreditlaufzeit. Doch genau diese Angabe fehlt bei einigen Immobilienkrediten. So hat beispielsweise die ING-Diba bei Darlehensverträgen aus den Jahren 2010 bis 2014 keine Angaben zur Laufzeit des Kredits gemacht. Auch wenn sich die Laufzeit noch ändern kann, ist diese Angabe zwingend. Ein Fehler, der nicht nur der ING-Diba, sondern auch anderen Kreditinstituten unterlaufen ist und der den Widerrufsjoker ins Spiel bringt.
 
Denn die Pflichtangaben sind mit dem Beginn der Widerrufsfrist verknüpft. Werden die Pflichtangaben nicht korrekt aufgeführt wurde dementsprechend die Widerrufsfrist nicht in Lauf gesetzt.
 
Rechtliche Einschätzung der Kanzlei Kreutzer, München: Durch ihre fehlerhaften Belehrungen haben Banken und Sparkassen selbst dafür gesorgt, dass der Widerruf von Immobiliendarlehen immer noch möglich ist. Zu den häufigen Fehlern gehört die fehlende Angabe zur Kreditlaufzeit. Vielen Sparkassen ist darüber hinaus ein weiterer gewichtiger Fehler unterlaufen. Sie haben die Nennung der Aufsichtsbehörde als Pflichtangabe im Klammerzusatz aufgeführt, die Aufsichtsbehörde dann aber nicht genannt. Auch in diesen Fällen wurde die Widerrufsfrist nicht in Lauf gesetzt und der Widerrufsjoker kann gezogen werden.
 

Grundsätzlich kann sich der Widerruf auch bei jüngeren Immobiliendarlehen immer noch lohnen, da die Zinsen in den vergangenen Jahren weiter gefallen sind. Wer von den niedrigen Zinsen profitieren möchte, kann seinen Kreditvertrag überprüfen lassen um auszuloten, ob ein Widerruf möglich und erfolgversprechend ist.

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Hi! Quick question that's completely off topic. Do you know how to make your site mobile friendly? My website looks weird when viewing from my iphone 4. I'm trying to find a theme or plugin that might be able to correct this problem. If you have any recommendations, please share. Cheers!
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Heyer on Dienstag, 8. Oktober 2019 05:28
I was wondering if you ever considered changing the page layout of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or 2 images. Maybe you could space it out better?
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Dallachy on Dienstag, 8. Oktober 2019 22:22
I don't know if it's just me or if perhaps everyone else experiencing issues with your site. It seems like some of the text in your posts are running off the screen. Can somebody else please comment and let me know if this is happening to them as well? This could be a issue with my web browser because I've had this happen previously. Thanks
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Laseron on Mittwoch, 9. Oktober 2019 15:08
Heya! I just wanted to ask if you ever have any issues with hackers? My last blog (wordpress) was hacked and I ended up losing months of hard work due to no back up. Do you have any solutions to protect against hackers?
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