In addition to a contractually agreed exchange rate mechanism, Card Complete also had a additional A processing fee of 1.65 % (in some cases, 1.5 %) of the transaction amount<\/strong> charged. At the same time, the exchange rate clauses contained discounts from the respective reference exchange rate.<\/p>\n The Chamber of Labour saw this as a impermissible double charging of fees for the same service<\/strong>, namely the conversion into Euros. The Supreme Court confirmed this legal view and qualified the contractual provisions as opaque and therefore unlawful under consumer protection law<\/strong>.<\/p>\n Based on this decision, Card Complete committed to refunding the corresponding fees.<\/p>\n All processing fees charged since the introduction of the exchange rate markdowns can now be claimed back. Specifically, this means the following time periods for the individual credit card providers:<\/p>\n Visa and Mastercard<\/strong>: since August 1, 2018<\/p>\n<\/li>\n Diners Club<\/strong>: since March 1, 2015<\/p>\n<\/li>\n<\/ul>\n This explicitly also applies to:<\/p>\n active card agreements<\/p>\n<\/li>\n already terminated card agreements<\/p>\n<\/li>\n Customers with open invoices or payment arrears<\/p>\n<\/li>\n<\/ul>\n Repayment can either be made by Credit to the card account<\/strong> or through Transfer to a checking account<\/strong> take place, whereby a set-off against open claims of the card issuer is permissible.<\/p>\n The Supreme Court's decision is not limited to Card Complete. Since the Supreme Court regards the underlying fee structure as generally illegal<\/strong> assessed, are also comparable fee models of other payment service providers<\/strong> covered by it.<\/p>\n According to this case law, in particular so-called \u201emanipulation fees\u201c, \u201eforeign currency fees\u201c or similar additional charges that were billed in addition to exchange rate markdowns are legally challengeable.<\/p>\n In principle, any credit card customer can submit a refund request to their respective provider themselves. However, our law firm is naturally happy to assist with the Examination and enforcement of recovery claims<\/strong> from unlawful credit card fees \u2013 both towards Card Complete and other payment service providers.<\/p>\n We will be happy to review your billing statements to determine whether and to what extent a claim exists and, if necessary, enforce this legally as well.<\/p>\n For further information and an initial assessment, Anela Bl\u00f6ch<\/a>\u00a0at any time under bloech@atb.law<\/a>\u00a0available.<\/strong><\/p>","protected":false},"template":"","categories":[39],"class_list":["post-7871","blog-post","type-blog-post","status-publish","has-post-thumbnail","hentry","category-anlegerrecht"],"acf":[],"post-kategorie":"39","_post-kategorie":"field_66d947537140a","post-kurzbeschreibung":"In welchen F\u00e4llen Sie bezahlte Kreditkartengeb\u00fchren zur\u00fcckfordern k\u00f6nnen","_post-kurzbeschreibung":"field_66d949fe1efe2","post-beitragsbild":"7342","_post-beitragsbild":"field_66d94a4a1efe3","post-author_post-author-name":"Anela Bl\u00f6ch","_post-author_post-author-name":"field_66d94a801efe5","post-author_post-author-foto":"7314","_post-author_post-author-foto":"field_66d94aa11efe6","post-author":"","_post-author":"field_66d94ee2827ca","yoast_head":"\nRecovery<\/strong><\/h2>\n
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Implications for other credit card issuers<\/strong><\/h2>\n
Legal assistance<\/strong><\/h2>\n