An account freeze takes effect immediately – payments fail, direct debits bounce, and consequential damages escalate. Those who take the right steps in the first 48 hours gain time. Those who only make phone calls lose it.
Category: Banking Law
BGH & SCHUFA: Paid – but the entry remains? What applies now (and what you can do)
You pay the debt – and the SCHUFA entry acts as if it never saw the transfer. The BGH decided exactly this on 12/18/2025: “Delete immediately” is not automatic. But: The door is not closed. Question – Immediate Answer:Does SCHUFA…
Liability for pushTAN Misuse: Recent Rulings Shift the Balance
Anyone who authorizes a payment via pushTAN in online banking legally agrees to a specific order – at least, that’s the banks’ ideal scenario. In practice, however, perpetrators exploit security vulnerabilities to push through transactions. The question then is no…
Underestimated Danger on the Smartphone – Smishing 2025 in Practice
An SMS, a tap on the link – and Apple Pay bookings rush through as if you had a company party at the Apple Store. Welcome to Smishing, the perfidious mixture of “SMS” and “Phishing”, which in 2025 is orchestrated…
