In these cases, it is a matter of several Thousand euros, the customer to be missed, if you accept the offer, warns the consumer centre Baden-Württemberg. Therefore, customers are affected with "save Premiums flexible"contracts.

savers would lose € 20,000,

you the Sparkasse Bodensee offered a "Extra bonus", if you were to cancel your contract before the expiry. What are the claims of consumers due to the termination of the contract to be missed, it was not clear from the Letter, however, criticise the consumer advocates.

"We have already reviewed a number of cases. In one case, around 10,000 euros, in another 20,000 euros to miss savers. Only a fraction of these amounts was offered“, writes Niels Nauhauser of the consumer Baden-Württemberg.

the longer The contracts are, the greater the Problem for Sparkasse

The objective pursued by the savings Bank with the Hypocrisy-the letter is clear: you want the long-term contracts and obligations go hand in hand to solve. The Problem – from the point of view of the savings Bank: extension of the term of the contract is increasing in the relevant contracts, the amount of the premium claim.

you can now Find your suitable checking account in the comparison (display)

, other institutions, customers want to trick

With this approach, the Sparkasse Bodensee, however, is not alone, according to the experts. "A lot of banks and savings banks are currently trying for you to unattractive contracts to get rid of", so Nauhauser.

With unlawful dismissal or alleged to be lucrative as an alternative, the Problem to be solved is offered. "We have several contracts of the Sparkasse Bodensee are already available, the illegal interest rate adjustment clauses", so Nauhauser more. "Golden balance": Vote and win valuable prizes

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customers have a right> to Neuabrechnung and interest payment of

An appropriate sample letter on the consumer, you can find here.

consumer advocates have already checked some cases and prompt a subsequent payment claim on of several hundred euros is calculated. "The savings Bank has lowered since 2013, the Savings disproportionately and savers so deprived of a substantial part of their interest," criticizes Nauhauser.

customers out of a total of 137 institutions

affected to resort To this method, other savings banks and banks, obviously. So adjustment clauses in savings contracts or private pension savings are nationwide noticed so far, 137 of the credit institutions illegal Interest rate plans, it shall notify the consumer. PDF How do I put 20,000 euros? Our PDF guide shows you how to create your capital, despite mini-interest in a profitable way and an expensive Fall deal.To the PDF guide

The contracts are sold for example under the following names:

• "pension plus" (savings Bank)
• "retirement savings plan" (savings Bank)
• "pension plan" (savings Bank)
• "asset plan" (savings Bank)
• "Scala" (savings Bank)
• the "bonus plan" (Volks - and Raiffeisenbank)
• "VRZukunft" (Volks - and Raiffeisenbank)

long-term savings are Affected predominantly contracts with variable interest rate, which were completed in the 1990s and 2000s. But even simple savings accounts with stickers and extra interest agreement with caution, the experts emphasize.

A full, according to Federal States sorted list (as of January 2019) of the institutions concerned and the product name, you can find here.

attention: claims threaten to become time-barred

at the same time they point to an important date: In the case of savings contracts, which were completed in 2016, claims for the Payment of arrears due to incorrect interest rate adjustment 31. December of this year.

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Date Of Update: 04 January 2020, 01:00