114 C 380/14•Validity of loan charges in general terms and conditions
114 C 380/14Court of First InstanceOct 22, 2014Civil lawDismissed
Extracted by Omnilex
The Bonn District Court dismissed the plaintiff's claim concerning a one-time, term-independent individual charge for additional services under an individual loan and costs incurred in settling another loan. It held that these charges could be passed on to the borrower through the loan agreement's general terms and conditions. The court ordered the plaintiff to bear the costs of the proceedings. The judgment was declared provisionally enforceable.
BGB §§ 307, 488; one-time charges in loan agreements: A one-time, term-independent individual charge for additional services connected with an individual loan, as well as costs incurred in settling another loan, may be passed on to the borrower through the general terms and conditions of the loan agreement. Such charges are therefore not necessarily invalid under the rules governing standard terms merely because they are separate from interest or do not depend on the duration of the loan.
Entscheidungsdatum: 2014-10-22
Aktenzeichen: 114 C 380/14
ECLI: ECLI:DE:AGBN:2014:1022.114C380.14.00
Dokumenttyp: Urteil
Spruchkörper: 114. Zivilabteilung
Normen: BGB §§ 812, 307, 488
Ein "einmaliger laufzeitunabhängiger Individualbetrag" für zusätzliche Leistungen eines Individualkredits und "Kosten der Herauslage" für die Ablösung eines anderen Kredits können in den Allgemeinen Geschäftsbedingungen eines Kreditvertrages auf den Kreditnehmer abgewälzt werden.
Die Klage wird abgewiesen.
Die Kosten des Rechtsstreits trägt der Kläger.
Das Urteil ist vorläufig vollstreckbar.
Der Wert des Verfahrens wird auf 185,25 € festgesetzt.
Whether a lender may pass on a one-time, term-independent individual charge for additional services and costs of settling another loan under the loan agreement's general terms and conditions.
Such charges may be passed on to the borrower under the circumstances addressed by the court.
The court held that the individual charge for additional services and the costs of settling another loan could be imposed through the loan agreement's general terms and conditions.
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