{"id":101280,"date":"2026-09-15T08:00:00","date_gmt":"2026-09-15T06:00:00","guid":{"rendered":"https:\/\/ru.law\/?p=101280"},"modified":"2026-09-02T14:04:07","modified_gmt":"2026-09-02T12:04:07","slug":"chargeback-camper-insolvenz-kreditkarte-paypal-lastschrift","status":"publish","type":"post","link":"https:\/\/ru.law\/en\/chargeback-camper-insolvenz-kreditkarte-paypal-lastschrift\/","title":{"rendered":"Chargeback after camper insolvency \u2013 using credit card, PayPal and direct debit correctly"},"content":{"rendered":"<h2 id=\"h-welcher-weg-aus-dem-kaufvertrag-wann-tragt-welche-fristen-laufen-und-was-beim-insolventen-handler-noch-bleibt\" class=\"wp-block-heading\"><strong>Which chargeback method has which deadline, how to justify the complaint and what the registration in the insolvency schedule has to do with it.<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When a campervan rental company or motorhome dealer becomes insolvent, the payment method often determines whether you get your money back. Chargebacks via direct debit, credit card, and PayPal follow three different sets of rules with three different deadlines. Rogert &amp; Ulbrich explains which method to follow, in what order, and how it relates to filing a claim.<\/p>\n\n\n\n<h2 id=\"h-chargeback-ist-nicht-gleich-chargeback-drei-wege-mit-drei-grundlagen\" class=\"wp-block-heading\"><strong>Not all chargebacks are created equal: three approaches based on three principles<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The term &quot;chargeback&quot; is commonly used for any type of reversal of a transaction. However, legally, it encompasses three completely different mechanisms. Only one of these is enshrined in law; the other two are based on private regulations. Anyone who fails to distinguish between them will incorrectly justify their complaint and waste valuable time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The three routes at a glance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SEPA Direct Debit<\/strong>The right to a refund is based on Section 675x of the German Civil Code (BGB) and your bank&#039;s direct debit terms and conditions. For basic direct debits, you can request a refund within eight weeks of the debit without giving a reason. If no mandate was issued, the claim is governed by Section 675u of the German Civil Code (BGB), and the notification period is thirteen months according to Section 676b of the German Civil Code (BGB).<\/li>\n\n\n\n<li><strong>credit card<\/strong>There is no legal right to a chargeback for an authorized payment of a fixed amount. The rules of the card networks apply, which provide their own grounds for complaint in cases of non-performance. The transaction will be processed through your card-issuing bank.<\/li>\n\n\n\n<li><strong>PayPal<\/strong>Buyer protection is a contractual program under PayPal&#039;s terms of service, not a legal entitlement. It has a relatively long duration, but includes exclusions that can be particularly relevant for rental and travel services.<\/li>\n\n\n\n<li><strong>Transfer<\/strong>For traditional bank transfers, there is no chargeback process. A payment reversal requires the recipient&#039;s consent, which an insolvent provider practically never grants. Anyone who has already made a transfer must therefore immediately pursue other claims.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">First, check your bank statement and clarify how the payment was actually processed. A PayPal payment funded via direct debit may have two possible outcomes with different deadlines.<\/p>\n\n\n\n<h2 id=\"h-sepa-lastschrift-der-schnellste-weg-mit-der-kurzesten-frist\" class=\"wp-block-heading\"><strong>SEPA Direct Debit: the fastest way with the shortest deadline<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you have granted the supplier a SEPA direct debit mandate, reversing the direct debit is the simplest and quickest way to proceed. With the SEPA core direct debit, which is the standard in consumer transactions, you can request a refund of the debited amount within eight weeks of the debit date without having to provide a reason. The bank will then issue a refund, and any dispute regarding the legitimacy of the charge will take place afterward.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These eight weeks are the shortest of all chargeback periods and expire without any reminder. This is particularly insidious in the case of campervan bankruptcies, because there are often several months between the deposit payment in winter and the planned travel date in summer. By the time the insolvency becomes public, the deadline for the first debited deposit has often already passed, while it is still running for later installments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Two constellations can be distinguished:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mandate granted<\/strong>The eight-week period applies from the date of the charge. After this period, an unconditional refund is excluded, and you are limited to pursuing material claims against the provider.<\/li>\n\n\n\n<li><strong>No mandate granted<\/strong>If a payment was debited without your authorization, it is considered an unauthorized payment. Your right to a refund is based on Section 675u of the German Civil Code (BGB), and you must report the unauthorized charge within thirteen months in accordance with Section 676b of the BGB. The bank bears the burden of proof regarding authorization.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Please check each individual charge separately according to its posting date. For further information on banking law issues concerning payments and refunds, please visit our website. <a href=\"https:\/\/ru.law\/en\/bankrecht-b2c\/\">banking law<\/a>.<\/p>\n\n\n\n<h2 id=\"h-kreditkarte-ruckbuchung-nach-den-regelwerken-der-kartensysteme\" class=\"wp-block-heading\"><strong>Credit card: Chargeback according to the rules of the card schemes<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There&#039;s no specific clause you can invoke to reverse an authorized credit card payment. The process involves the card network&#039;s rules, which typically have their own categories for handling disputes. For campervan insolvencies, the relevant category is &quot;non-performance&quot;: you paid, but the vehicle was never delivered or the rental agreement was never fulfilled.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The timing of the claim is crucial and often misunderstood. For services that are to be provided in the future, the claim period is generally not based on the debit date, but rather on the date the service should have been provided. Therefore, someone who pays for a July trip in January and learns of the insolvency in June is not automatically too late. Additionally, the regulations stipulate absolute upper limits from the transaction date. Since card schemes continuously update their rules, the specific applicable deadline should be checked with the card-issuing bank in each individual case.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These documents should be included in the complaint:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Booking confirmation<\/strong>: Contract or confirmation with the agreed service date and the booked vehicle.<\/li>\n\n\n\n<li><strong>Payment receipt<\/strong>: Card statement with the specific transaction, amount and merchant name.<\/li>\n\n\n\n<li><strong>Proof of non-provision<\/strong>: Cancellation by the supplier, insolvency announcement, letter from the insolvency administrator or press report with date.<\/li>\n\n\n\n<li><strong>Attempt to make contact<\/strong>The regulations regularly require proof that you have previously attempted to obtain a refund from the contractual partner. In the case of insolvency, a documented request to the provider or the administrator is sufficient.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Formulate your complaint as a specific instance of non-performance, including the date, and not as general dissatisfaction. The bank&#039;s classification will depend on the justification you provide.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>PayPal Buyer Protection: what it offers and where its limits lie<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PayPal Buyer Protection is not a legal right, but a program governed by the provider&#039;s terms of service. With a period of approximately 180 days from payment, it has the longest of the three protection periods and is therefore often the last remaining option. However, it also has the most exclusions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Three points are practically crucial:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Payment method<\/strong>Payments made as &quot;money senders to friends and family&quot; are excluded from buyer protection. Sellers who push this payment method are circumventing the protection. This is a warning sign you should take seriously.<\/li>\n\n\n\n<li><strong>Type of service<\/strong>Whether rental and travel services are included depends on the applicable terms of use. These may be subject to restrictions and changes. Please check the version in effect at the time of payment.<\/li>\n\n\n\n<li><strong>Revival of the demand<\/strong>According to case law, the seller&#039;s original claim for payment is revived if PayPal grants buyer protection and reverses the payment. In insolvency proceedings, this means that the insolvency administrator can generally pursue this claim if you are not materially entitled to the payment. This is usually not the case if the service has definitively not been rendered, but this scenario should be understood.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Open the dispute in your PayPal account and upgrade it to a claim within the deadline; otherwise, the process will be closed automatically. For information on claims related to fraudulent offers, please see our website. <a href=\"https:\/\/ru.law\/en\/online-betrug-b2c\/\">Online fraud<\/a>.<\/p>\n\n\n\n<h2 id=\"h-die-richtige-reihenfolge-und-das-zusammenspiel-mit-der-insolvenztabelle\" class=\"wp-block-heading\"><strong>The correct order and interaction with the insolvency table<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The three options exist side-by-side, but they have different expiration times. Therefore, the order is not determined by which option is most likely to succeed, but by which one expires first. Direct debit reversals, with their eight-week timeframe, come first, followed by card disputes, and finally PayPal buyer protection.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The insolvency proceedings run parallel to this. After the proceedings have been opened, you must register your claim with the insolvency administrator within the prescribed time limit, as stipulated in Section 174 of the German Insolvency Code (InsO). This registration is essential, even if you are pursuing a chargeback, because its success is not yet certain at this stage. The claim is a simple insolvency claim under Section 38 of the German Insolvency Code (InsO) and is therefore subject to distribution quotas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are two things you need to keep in mind:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No double satisfaction<\/strong>If the chargeback was successful, your loss is settled to that extent. The claim registered in the table must then be corrected or withdrawn accordingly. Anyone who retains both risks having to make further claims.<\/li>\n\n\n\n<li><strong>Economic risk<\/strong>In the case of card and PayPal payments, the risk of a chargeback is generally borne by the payment service provider or the processing acquirer, not the insolvency estate. With direct debits, however, an amount that the debtor has already received is returned. Therefore, whether and in which circumstances a chargeback is legally valid under insolvency law must be examined on a case-by-case basis, depending on the payment method.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pursue both avenues in parallel and document each step with the date. We have discussed further recovery options after a supplier&#039;s insolvency in our article. <a href=\"https:\/\/ru.law\/en\/camping-anbieter-insolvent-geld-zurueckholen\/\">Camping provider insolvent<\/a> compiled.<\/p>\n\n\n\n<h2 id=\"h-wenn-die-ruckbuchung-abgelehnt-wird-was-dann-noch-geht\" class=\"wp-block-heading\"><strong>If the chargeback is rejected: what else can you do?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A rejected claim is not the end of the story. Card system rules provide for a second attempt if the merchant or their acquirer objects to the chargeback. At this stage, the quality of the documentation is crucial. Rejection often occurs because proof of non-performance or the agreed-upon service date is lacking, not because the claim itself is invalid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These starting points remain:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Resubmission<\/strong>: Complaint with supplementary evidence, in particular regarding the agreed service date and the insolvency announcement.<\/li>\n\n\n\n<li><strong>Claims against the bank<\/strong>Unauthorized payments give rise to a statutory right to reimbursement under Section 675u of the German Civil Code (BGB), which can be enforced in court if necessary. The burden of proof for authorization lies with the payment service provider.<\/li>\n\n\n\n<li><strong>Mediation and Supervision<\/strong>For disputes with banks and payment service providers, arbitration boards are available; in addition, there is the possibility of filing a complaint with the Federal Financial Supervisory Authority.<\/li>\n\n\n\n<li><strong>Linked contract<\/strong>If the vehicle was financed, objections against the financing bank may be considered under Sections 358 and 359 of the German Civil Code (BGB). This avenue is independent of the chargeback.<\/li>\n\n\n\n<li><strong>People involved<\/strong>If advance payment was still demanded even though insolvency was already established, claims against the management may be considered.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Don&#039;t let a rejection go unchallenged; instead, examine the reasons for its failure. You can find more articles about vehicles in our section. <a href=\"https:\/\/ru.law\/en\/expertise\/automotive\/\">Automotive<\/a>, We will address general questions about the vehicle in the <a href=\"https:\/\/ru.law\/en\/verkehrsrecht\/\">traffic law<\/a>.<\/p>\n\n\n\n<h2 id=\"h-rogert-amp-ulbrich-ihre-anwalte-fur-ruckbuchung-und-forderungsdurchsetzung\" class=\"wp-block-heading\"><strong>Rogert &amp; Ulbrich \u2013 Your lawyers for chargebacks and debt collection<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rogert &amp; Ulbrich represents consumers nationwide at the intersection of banking law, payment services law, and insolvency law. Attorneys Dr. Marco Rogert and Tobias Ulbrich and their team are familiar with the processes at banks, card issuers, and payment service providers, as well as the arguments used to reject complaints.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We will assign your payment to the correct chargeback process, ensure compliance with deadlines, formulate a legally sound complaint, and simultaneously register your claim with the insolvency administrator. If the chargeback is rejected, we will examine the claims against the bank, payment service provider, financing institution, and individuals involved, and, if necessary, pursue them through legal action.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Is your campervan rental company or motorhome dealer insolvent and your payment missing? Contact us for a free consultation and let us review your outstanding payments.<\/p>\n\n\n\n<h2 id=\"h-faqs-haufig-gestellte-fragen-zum-chargeback-nach-camper-insolvenz\" class=\"wp-block-heading\"><strong>FAQs \u2013 Frequently Asked Questions about Chargebacks after Camper Insolvency<\/strong><\/h2>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-ed0fa9cc uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-f9785a0e\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">How long do I have to initiate a chargeback?<\/span><\/div><div class=\"uagb-faq-content\"><p>This depends on the payment method. For SEPA direct debits, the deadline is eight weeks from the date of the debit; for unauthorized direct debits, a notification period of thirteen months applies according to \u00a7 676b of the German Civil Code (BGB). For credit cards, the deadlines of the card networks apply, which for future services are regularly linked to the agreed service date. PayPal Buyer Protection has the longest deadline, at approximately 180 days from payment.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-7ab03cea\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Can I reverse a regular bank transfer?<\/span><\/div><div class=\"uagb-faq-content\"><p>No, there is no chargeback process for the transfer. A payment reversal through the bank requires the recipient&#039;s consent, which is practically never granted by an insolvent provider. Anyone who has made the transfer must therefore immediately pursue other claims, such as the financing bank, the booking platform, or the individuals involved. The claim must also be registered with the insolvency administrator.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-07d24e65\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Do I need to contact the provider beforehand?<\/span><\/div><div class=\"uagb-faq-content\"><p>For direct debit reversals within the eight-week period, your instruction to the bank is sufficient. However, the rules of the card networks regularly require proof that you have previously attempted to obtain a refund from the merchant. In the case of insolvency, a documented request to the provider or the insolvency administrator is sufficient. Make this request in writing and include the date.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-eef02c53\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Has the deadline expired if I paid long before the trip?<\/span><\/div><div class=\"uagb-faq-content\"><p>Not necessarily. For services to be provided in the future, card regulations for the complaint period typically don&#039;t refer to the debit date, but rather to the date the service should have been provided. Therefore, paying for a summer trip in winter isn&#039;t automatically too late. Since absolute upper limits also apply and the regulations are subject to change, you should check the specific deadline with your card-issuing bank.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-7b6999cf\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Do I still need to register my claim in the insolvency schedule?<\/span><\/div><div class=\"uagb-faq-content\"><p>Yes. As long as it is not certain whether the chargeback will be valid, you should register your claim in accordance with Section 174 of the German Insolvency Code (InsO) within the prescribed time limit. It is a simple insolvency claim under Section 38 InsO and therefore subject to the distribution quota. If the chargeback is subsequently successful, the registration must be corrected or withdrawn accordingly, because you are not entitled to double payment.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-a5f0bb69\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What does it mean that the payment claim with PayPal can be revived?<\/span><\/div><div class=\"uagb-faq-content\"><p>According to case law, a chargeback via buyer protection does not invalidate the underlying contract. The seller&#039;s original claim for payment can therefore be revived, and in insolvency proceedings, the administrator can generally pursue it. However, if the service was ultimately not rendered, your own right to a refund typically precludes this. Nevertheless, you should be aware of this situation before considering the matter closed.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-28b6f38a\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What happens if I paid via PayPal to friends and family?<\/span><\/div><div class=\"uagb-faq-content\"><p>This payment method is excluded from buyer protection, so a chargeback through the program is not possible. However, if the PayPal payment was financed via direct debit or credit card, the underlying payment method may still be traceable. Therefore, check your bank statement. Regardless, the request for this payment method could be an indication that the buyer intended to circumvent buyer protection.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-922e0bf1\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">My bank rejected the chargeback, what now?<\/span><\/div><div class=\"uagb-faq-content\"><p>A rejection often fails due to a lack of evidence, not the claim itself. Resubmit your complaint with supplementary documents, especially the agreed service date and the insolvency notice. In the case of unauthorized payments, there is also a statutory right to reimbursement under Section 675u of the German Civil Code (BGB), for which the payment service provider bears the burden of proof of authorization. In addition, arbitration boards and the financial supervisory authority are available.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-910f255b\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Will a chargeback also help me with a financed motorhome?<\/span><\/div><div class=\"uagb-faq-content\"><p>In the case of financing, there is an additional, independent avenue for reversal. If the purchase agreement and loan agreement form an economic unit, you can raise objections from the vehicle contract against the bank according to \u00a7 359 of the German Civil Code (BGB), and a valid revocation according to \u00a7 358 BGB covers both contracts. Economically, the reversal is then directed against a solvent credit institution rather than against the insolvency estate.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-44975cc3\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">When should I consult a lawyer?<\/span><\/div><div class=\"uagb-faq-content\"><p>It&#039;s best to act immediately after becoming aware of the insolvency, as the shortest chargeback period is only eight weeks, coinciding with the deadline for filing claims in the insolvency schedule. Legal review is also advisable even if a claim has already been rejected, as a second submission depends on a well-reasoned explanation. If you have legal expenses insurance, it will cover the costs of representing your interests, depending on your policy and terms. We will handle the coverage request for you and, if coverage is approved, bill your legal expenses insurance company directly.<br><\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Welcher R\u00fcckbuchungsweg welche Frist hat, wie Sie die Reklamation begr\u00fcnden und was die Anmeldung zur Insolvenztabelle damit zu tun hat Wenn ein Campervermieter oder Wohnmobilh\u00e4ndler [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":101281,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[1320],"tags":[1682,1681,1680],"class_list":["post-101280","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-automotive","tag-wohnmobil-anfechtung","tag-wohnmobil-ruecktritt-kaufvertrag","tag-wohnmobilkauf-widerrufen"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Chargeback nach Camper-Insolvenz: Geld zur\u00fcckbuchen- R&amp;U<\/title>\n<meta name=\"description\" content=\"Lastschrift, Kreditkarte oder PayPal: Welcher R\u00fcckbuchungsweg nach einer Camper-Insolvenz welche Frist hat und wie Sie richtig begr\u00fcnden.\" \/>\n<meta name=\"robots\" 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Er ber\u00e4t und vertritt Mandanten bundesweit im Bank- und Kapitalanlagerecht, bei Kryptobetrug und KI-rechtlichen Fragen sowie im Transport- und Speditionsrecht. 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