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Federal Ministry of Justice of withdrawal and return new law governs. Amendment provisions for installment loans

from 11 June 2010 provides a statutory revision to the consumer more transparency in the credit market. The Federal Ministry of Justice have adopted important legislation regulates the withdrawal and return. www.geld.de The financial portal explains what this means specifically for the Consumer means.
According to Stiftung Warentest, the consumer with the new law, a loan ( www.geld.de / kredite.html ) faster than in lending actually agreed to compensate. It should customers who intend in the near future to include an installment loan to be aware of the following changes: bait advertising by banks are not legally compliant. In the future this may advertise only with an effective interest rate. In addition, banks must inform their customers in writing of all credit-related statutes. This information includes the interest, the right of withdrawal, the Additional costs, the possibility of early repayment and the consequences of late payment.
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phishing, pharming, and the "man in the middle"? The new tricks of internet scammers and how to protect yourself

Many of us use the simple and convenient way to conduct business over the Internet.
shop after closing time? Transfers calls without visiting a bank branch? Over the Internet no problem - you would think ...
... but just here the trouble usually starts only at:
The many advantages that the Internet offers us, make us unfortunately all too often blind to the dangers it holds for us. We will open the eyes
Phishing Phishing
the classical receives the Internet user is initially a very official looking e-mail, apparently from his own bank. In this e-mail, the user is then prompted to follow the link provided on the home page. The reasons for this are varied, ranging from a loss of data due to server failure, to the needed software updates to improve customer service. If you follow the link below now, so you do not end up on the website of your own financial institution, but on the deceptively real-looking but fake Web site of the offender. Here you will be prompted to log in using his access data (account number, PIN). Most will also have to take this opportunity to enter one or more tans - supposedly to verify - Requires. Once you enter this data once they are in the hands of the perpetrator and this may thus prove to wildfire Ub
at the expense of its own operating account.
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protective measures for the PC in the context of file-sharing warnings

Secure your PC is the only advice that we are still in the current issue of liability for File sharing and related copyright cases may issue warnings. This is particularly due to the decision of the OLG Köln 23.12.2009 (AZ.: 6 U 101/09) must be observed. In this decision, the OLG Köln in fact found that the terminal owner is liable of an Internet connection, no matter which of his files to download music from Internet offers. This is until he has done all this to . Prevent From the verdict shows that in every case where the terminal owner can prove not that he has taught other family members adequately, shall be personally liable. The conditions to be mentioned here, are not only the teachings themselves, but also the constant monitoring and also the establishment of countermeasures, such as a firewall, the does not allow downloads.
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debit card skimming - a different levy strategy

Normally one uses in marketing circles the levy strategy (English "price skimming", by "skimming" for "skimming") to a high price product at launch, first the well-off consumers "skimming". Meanwhile, consumers are still
"skimmed off" in a very different way:
debit card skimming refers to the secret spying sensitive bank card data.
this new world of fraud has already caused damage in the billions and the end is in sight, because the tricks of the perpetrators are getting more sophisticated:
Classic Skimming
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legal justification strategy to the basic law of

legal justification strategy to the basic law of
Dr. Horst Dreier, University of Würzburg
www.internet magazine-les-art.eu
Flensburg / Würzburg, 26.05.2010
editorial review "les Art" section: Legal
posts are in various designs, Dr. Horst Dreier, Universit & # 228; t Würzburg, in very complicated, as accurate and intelligent form, information on the assessment of why he is now the fundamental law of the FRG old and new, for a constitution holds and why he can deduce from this West Germany had a legitimate constitution, and is a matter of legitimate constitutional feet.
a view that is shared by professional colleagues in any way.
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