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Sparkasse Nuremberg: Refunds for customers according to Zins judgment!
In the judgment of the BGH of September 23, 2025, savings banks, in particular the Sparkasse Nuremberg, have to make repayments to customers. Consumers learn which interest clauses are ineffective and how they can assert their claims.
Sparkasse Nuremberg: Refunds for customers according to Zins judgment!
An eventful time for Sparkassen customers: On September 23, 2025, the Federal Court of Justice (BGH) decided that many savings banks may have paid their customers for low interest rates on premium savings contracts for years. This now has far -reaching consequences for consumers who hope to be able to improve their savings. The Sparkasse Nuremberg is particularly affected, in which over 3,000 consumers took part in a model lawsuit by the Federal Consumer Center (VZBV). Those affected can now expect repayments that can even reach four -digit amounts in some cases. As the [merkur.de] (https://www.merkur.de/ consciousness/unrechtmaessig-liedig-liede-bel-was-Bankkunden-mi-Praemienspartragegent-kissen-muessen-ZR- 93957349.html) reports, claims are not limited, which means that consumers also apply for many years after concluding a contract can.
The verdict has made some relief, but there are also dark sides. The VZBV criticizes the fact that many other savings banks and banks do not meet consumers' additional payment claims or make incorrect new calculations. Because some bank sees the matter astonishingly calmly and refuses to pay. This leads to uncertainty and displeasure among those affected, because their money belongs to them.
What does this mean for affected consumers?
For customers who have a special premium contract, it is now important to know that they are entitled to the correct interest. A large part of the savings contracts that were concluded between 1990 and 2010 could be ineffective in terms of the clauses. Interest clauses that are considered unclear and invalid can lead to consumers can get more out of their contracts than initially thought. The Consumer Center offers support in the form of sample letters in order to make claims. A review could not hurt, especially for older contracts from the 1990s and 2000s.
The BGH had already found in 2004 that common interest rate adjustment clauses in many contracts are unclear and has formulated clear requirements for the legitimate design of such clauses. Much of these clauses have now been declared ineffective what many customers mean at the end of the tunnel.
Additional information and support
As BaFin points out, credit institutions must inform consumers about the ineffectiveness of these interest rate adjustment clauses. The responsible authority has issued a general order to ensure that affected customers are fully informed. This regulation applies to long-term premium savings contracts that many have taken out over the past decades.
The Bavarian Consumer Center has also set up an information telephone. Here affected consumers receive important information on how to enforce their claims. The way to get to his right is therefore prepared, and in the sense of "Who does not ask, you stay stupid", everyone who could think of being affected should take this opportunity.