Dieselskandal zieht seine Kreise – Widerruf des Autokredits
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Dieselskandal zieht seine Kreise – Widerruf des Autokredits

Von manipulierten Abgaswerten bei VW über Rückrufaktionen bei Mercedes und Porsche bis hin zu drohenden Fahrverboten, einem im Ergebnis enttäuschenden Diesel-Gipfel und den Verdacht kartellrechtswidriger Absprachen zwischen VW, Porsche, Audi, Daimler und BMW zieht der Dieselskandal seine Kreise.  Mittendrin stehen die Fahrzeughalter, die befürchten müssen, dass sie mit ihrem Diesel nicht mehr in Innenstädte oder Umweltzonen einfahren dürfen und gleichzeitig einen Wertverlust ihrer Fahrzeuge hinnehmen müssen.
 
Auch der Diesel-Gipfel dürfte kaum für Entwarnung bei den betroffenen Verbrauchern gesorgt haben. Diesel-Fahrzeuge der Schadstoffklassen Euro 5 und Euro 6 sollen zwar auf Kosten der Autohersteller ein Software-Update erhalten. Dadurch sollen die Stickoxid-Emissionen um bis zu 30 Prozent reduziert werden. Experten sind aber skeptisch, dass das ausreicht. Die zulässigen Grenzwerte dürften selbst nach dem Update immer noch – zum Teil deutlich – überschritten werden. Fahrverbote wären dann nach wie vor nicht vom Tisch. Zumal das Verwaltungsgericht Stuttgart jüngst erklärt hat, dass es solche Updates nicht für ausreichend hält und damit die Tür für Fahrverbote weit aufgestoßen hat.
 
Für Fahrer von Diesel-Fahrzeugen der Schadstoffklassen 4 und schlechter sind keine Maßnahmen geplant. Sie wollen die Autohersteller lediglich mit Prämien beim Kauf eines umweltfreundlicheren Autos locken.
 
Rechtliche Einschätzungen der Kanzlei Kreutzer, München: Weder die Software-Updates noch die sog. Umweltprämien dürften die Probleme der Diesel-Fahrer lösen. Sie stehen vor dem Problem, dass ihnen Fahrverbote drohen oder ihren Wagen nur noch deutlich unter Listenpreis verkaufen können. Weder die Autobauer noch die Politik scheinen hier zu wirklichen Lösungen bereit zu sein.
 

Ein Ausweg kann aber der Widerruf des Autokredits sein. Dieser bietet sich besonders dann an, wenn das Fahrzeug über eine Autobank finanziert wurde. Dann liegt in der Regel ein verbundenes Geschäft vor, sodass durch einen erfolgreichen Widerruf auch der Kaufvertrag rückabgewickelt wird. Das bedeutet im Ergebnis, dass der Kreditnehmer das Fahrzeug zurückgibt und seine gezahlten Raten zurückerhält. Möglich ist der Widerruf bei Autokrediten, die seit dem 11. Juni 2010 geschlossen wurden und die Bank nicht ordnungsgemäß über die Widerrufsmöglichkeiten informiert hat. Im Idealfall muss der Verbraucher noch nicht einmal eine Nutzugsentschädigung zahlen. Dies ist möglich, wenn er die Autofinanzierung seit dem 13. Juni 2014 geschlossen hat.

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