Refund lawsuits are frequently filed against various fees charged by banks from consumers.
Disputed Fees
- Account management fee (there are files considered unfair)
- Credit file fee (Supreme Court limited acceptance)
- Card dues (if not included in the contract refund)
- Early closure fee (limited by TKHK)
- Life insurance (should not be mandatory)
Refund Process
- Written request to the bank
- If rejected, BRSA + consumer arbitration committee
- If insufficient, consumer court
Supreme Court 13. HD
13. HD accepts that the "account management fee" can be collected if it is "explicitly stipulated in the contract and reasonable", but that the unilaterally imposed fees must be refunded. ComplaintThe Banking Association and BRSA make general regulations against unfair fees. It does not support the consumer's personal case, but it does serve as a precedent.
Practical Advice
- Keep all account statements
- Read the bank agreement
- Immediate written objection when you detect unfair charges
Consumer/banking lawyer is recommended.