The law firm Dr. Thomas Schulte, Berlin, was able to achieve an out-of-court success in favor of its client against Schufa. The Schufa entry was deleted in full – by Valentin Schulte Volkswirt & stud. iur at the law firm Dr. Thomas Schulte, Berlin.
The Schufaeintrag was based on a demand at a value of 5.000€ of the Fidor bank. Strictly speaking, the client concerned had debts to Telefonica, which cooperated with Fidor Bank from Munich under the name O2 Banking. This was known to the client. He had made an installment agreement with Fidor Bank and wanted to pay off his debts properly. According to the Regional Court of Braunschweig (Case No.: 9 O 2394/12), an installment agreement means that Schufa is not allowed to include the entire amount in its own database. Only the individual installment is due in each case. It was therefore lawful on the part of Fidor Bank to submit this entry to Schufa. The Schufa has apparently taken over the entry without examination.
Financing refusal because of bad credit rating
The above-mentioned mandator had no knowledge of the procedures, which took place between the Fidor bank and the Schufa, finally it had suitable itself with the bank and paid back its debts obediently. The shock was all the greater when the person concerned decided to finance a new car. In the context of the usual examination before a financing promise by the Autobank naturally also a query with the Schufa was accomplished. The financing dreams were shattered. An entry in the Schufa leads in most cases to an immediate refusal on the part of the contracting party, such as banks or mobile phone providers. However, not all was lost. A quick note from the person concerned to Schufa should have clarified the situation quickly, so that the person concerned turned to Schufa himself and asked for the incorrect entry to be deleted. Unfortunately, this did not lead to the desired success. The entry remained. The person concerned turned to the experienced lawyer Dr. Thomas Schulte from Berlin and described his concern. An out-of-court letter was quickly sent to Schufa and the current legal situation was explained. After three weeks of examination by the Schufa then the good news for the client: The entry was deleted by Schufa and the score was recalculated. So there was nothing standing in the way of a new car.
Valentin Markus Schulte
Economist, stud. iur
Law office Dr. Thomas Schulte
Phone: +49 30 221922020
The Kanzlei Dr. Schulte attorneys is successfully civil-legally since 1995 emphasis in the area of the Internet, Reputations- and competition right active. It represents country widely the interests of individual investors. Supplementing sender data with the Kanzleistandort find you in the imprint on the Internet side www.dr-schulte.de.
Dr. Schulte attorney
Tel.: +49 30 22 19 220 20
Fax. +49 30 22 19 220 21