{"id":1757,"date":"2019-02-09T05:35:20","date_gmt":"2019-02-09T04:35:20","guid":{"rendered":"https:\/\/dresdentipps.de\/?p=1757"},"modified":"2019-02-09T05:35:20","modified_gmt":"2019-02-09T04:35:20","slug":"im-streitfall-der-ombudsmann-als-mittelweg-zwischen-kapitulation-und-klage","status":"publish","type":"post","link":"https:\/\/dresdentipps.de\/?p=1757","title":{"rendered":"Im Streitfall: Der Ombudsmann als Mittelweg zwischen Kapitulation und Klage"},"content":{"rendered":"<div style='text-align:left' class='yasr-auto-insert-visitor'><\/div><p style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-bold&amp;quot;; font-size: 100%; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 12px 0px 12px 0px; margin: 0px; border: 0px none currentColor;\"><strong style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; font-family: &amp;quot; merriweathersans-bold&amp;quot;; font-size: 100%; font-weight: normal; outline-color: invert; outline-style: none; outline-width: 0px; vertical-align: baseline; padding: 0px; margin: 0px; border: 0px none currentColor;\">Das Wichtigste in K&uuml;rze:<\/strong><\/p>\n<ul style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; clear: both; color: #333333; font-family: &amp;quot; merriweathersans-bold&amp;quot;; font-size: 0.93rem; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; list-style-position: outside; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 0px 0px 0px 15px; margin: 0px; border: 0px none currentColor;\">\n<li style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; font-size: 100%; outline-color: invert; outline-style: none; outline-width: 0px; vertical-align: baseline; padding: 3px 0px 3px 0px; margin: 0px; border: 0px none currentColor;\">Ombudsleute vermitteln bei Streitigkeiten zwischen Ihnen und Ihrer Bank, Bausparkasse, Versicherung oder einem anderen Institut. Teilweise k&ouml;nnen sie f&uuml;r Anbieter verbindliche Entscheidungen treffen.<\/li>\n<li style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; font-size: 100%; outline-color: invert; outline-style: none; outline-width: 0px; vertical-align: baseline; padding: 3px 0px 3px 0px; margin: 0px; border: 0px none currentColor;\">Das Verfahren ist f&uuml;r Sie kostenlos. Es bietet eine Alternative zum Gerichtsprozess.<\/li>\n<li style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; font-size: 100%; outline-color: invert; outline-style: none; outline-width: 0px; vertical-align: baseline; padding: 3px 0px 3px 0px; margin: 0px; border: 0px none currentColor;\">Sind Sie mit dem Vorschlag des Ombudsmann nicht einverstanden, steht Ihnen weiterhin der Rechtsweg offen.<br \/>\n<h2 id=\"0\" style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 1.5rem; font-style: normal; font-variant: normal; font-weight: bold; letter-spacing: normal; line-height: 30px; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 0px; margin: 0.83em 0px 0.83em 0px; border: 0px none currentColor;\">Was ist das Ombudsmannverfahren?<\/h2>\n<p style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 100%; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 12px 0px 12px 0px; margin: 0px; border: 0px none currentColor;\">Es kommt immer wieder vor, dass ein Kunde und seine Bank, Versicherung, Bausparkasse oder ein anderes Institut in einer bestimmten Sache unterschiedlicher Meinung sind.<\/p>\n<p style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 100%; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 12px 0px 12px 0px; margin: 0px; border: 0px none currentColor;\">Streitpunkte sind beispielsweise ein in Rechnung gestelltes Entgelt, eine nicht gew&auml;hrte Versicherungsleistung oder die H&ouml;he eines Bonuszinses bei einem Bausparvertrag. Bevor Verbraucher &uuml;berlegen, ihre Interessen auf dem Rechtsweg durchzusetzen, kann es sich lohnen, einen Ombudsmann einzuschalten. Dies ist ohne die Vertretung durch einen Anwalt m&ouml;glich.<\/p>\n<p style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 100%; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 12px 0px 12px 0px; margin: 0px; border: 0px none currentColor;\">Ombudsm&auml;nner, die es in vielen unterschiedlichen Branchen gibt, haben die Funktion eines Schlichters. Sie werden aufgrund einer vom Verbraucher eingereichten Beschwerde t&auml;tig, holen bei der Gegenseite eine Stellungnahme ein und machen schlie&szlig;lich einen Schlichtungsvorschlag. Dieser ist f&uuml;r das jeweilige Institut nur in einigen F&auml;llen und f&uuml;r den Verbraucher nie bindend.<\/p>\n<h2 id=\"1\" style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 1.5rem; font-style: normal; font-variant: normal; font-weight: bold; letter-spacing: normal; line-height: 30px; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 0px; margin: 0.83em 0px 0.83em 0px; border: 0px none currentColor;\">Welche Vorteile bietet ein Ombudsmannverfahren?<\/h2>\n<p style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 100%; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 12px 0px 12px 0px; margin: 0px; border: 0px none currentColor;\">Einen Ombudsmann einzuschalten, hat f&uuml;r Verbraucher einige Vorteile:<\/p>\n<ul style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; clear: both; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 0.93rem; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; list-style-position: outside; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 0px 0px 0px 15px; margin: 0px; border: 0px none currentColor;\">\n<li style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; font-size: 100%; outline-color: invert; outline-style: none; outline-width: 0px; vertical-align: baseline; padding: 3px 0px 3px 0px; margin: 0px; border: 0px none currentColor;\">Ihm entstehen keine Kosten, da die Schlichtungsstelle von den Instituten finanziert wird. Ausgenommen sind eigene Kosten, wie zum Beispiel das Porto, um Unterlagen einzureichen. F&auml;llt der Spruch des Schlichters unbefriedigend aus, steht dem Kunden weiterhin der Rechtsweg offen. Gleiches gilt, wenn das Institut den Schlichtungsspruch des Ombudsmanns ablehnt.<\/li>\n<li style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; font-size: 100%; outline-color: invert; outline-style: none; outline-width: 0px; vertical-align: baseline; padding: 3px 0px 3px 0px; margin: 0px; border: 0px none currentColor;\">Den Ombudsmann zu bem&uuml;hen, f&uuml;hrt in der Regel zu einer sogenannten Verj&auml;hrungshemmung. Dies bedeutet, dass der Anspruch w&auml;hrend der Dauer des Schlichtungsverfahrens nicht verj&auml;hren kann. Eine solche verj&auml;hrungshemmende Wirkung hat unter anderem auch ein (teureres) Gerichtsverfahren. <strong style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; font-family: &amp;quot; merriweathersans-bold&amp;quot;; font-size: 100%; font-weight: normal; outline-color: invert; outline-style: none; outline-width: 0px; vertical-align: baseline; padding: 0px; margin: 0px; border: 0px none currentColor;\">Sollten Sie das Verfahren einleiten, um die Verj&auml;hrung zu hemmen, m&uuml;ssen Sie sich vorab vergewissern, dass eine Hemmung tats&auml;chlich eintreten kann! Kl&auml;ren Sie auch, bis zu welchem Datum die Verj&auml;hrung in Ihrem konkreten Fall gehemmt ist. <\/strong><\/li>\n<\/ul>\n<h2 id=\"2\" style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 1.5rem; font-style: normal; font-variant: normal; font-weight: bold; letter-spacing: normal; line-height: 30px; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 0px; margin: 0.83em 0px 0.83em 0px; border: 0px none currentColor;\">Wie l&auml;uft ein Ombudsmannverfahren ab?<\/h2>\n<p style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 100%; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 12px 0px 12px 0px; margin: 0px; border: 0px none currentColor;\">Es kann durchaus sinnvoll sein, sich zuerst an das jeweilige Institut zu wenden und direkt mit diesem eine Kl&auml;rung Ihrer Angelegenheit herbeizuf&uuml;hren. Wom&ouml;glich kommt man Ihren Forderungen bereits ohne weitere Auseinandersetzung nach. Die nachfolgende Darstellung gibt einen groben &Uuml;berblick &uuml;ber den Ablauf eines Ombudsmannverfahrens. Detailliertere Informationen bieten die Internetportale der jeweiligen Schlichtungsstelle, insbesondere die dort oftmals als pdf-Datei verf&uuml;gbare Verfahrensordnung.<\/p>\n<p style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 100%; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 12px 0px 12px 0px; margin: 0px; border: 0px none currentColor;\">Zun&auml;chst wird gepr&uuml;ft, ob Ihre Beschwerde &uuml;berhaupt zul&auml;ssig ist. Gegebenenfalls erhalten Sie Gelegenheit, weitere Unterlagen nachzureichen.<\/p>\n<p style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 100%; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 12px 0px 12px 0px; margin: 0px; border: 0px none currentColor;\">Im Anschluss erh&auml;lt das Institut, Stellung zu nehmen. Es kann daraufhin der Beschwerde abhelfen. Das bedeutet, die Bank selbst gelangt schon zu der &Uuml;berzeugung, dass Ihre Beschwerde berechtigt ist und erf&uuml;llt Ihre Forderung.<\/p>\n<p style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 100%; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 12px 0px 12px 0px; margin: 0px; border: 0px none currentColor;\">Andernfalls erhalten Sie in der Regel die Stellungnahme und k&ouml;nnen sich dazu &auml;u&szlig;ern. Danach entscheidet der Ombudsmann.<\/p>\n<p style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 100%; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 12px 0px 12px 0px; margin: 0px; border: 0px none currentColor;\">Sind Sie mit dem Schlichtungsspruch des Ombudsmanns nicht einverstanden, steht Ihnen der Weg zu den Gerichten weiterhin offen. Die Bank dagegen ist \u0096 zumindest wenn der Streitwert bestimmte Betr&auml;ge nicht &uuml;berschreitet \u0096 an den Spruch des Schlichters gebunden.<\/p>\n<h2 id=\"3\" style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 1.5rem; font-style: normal; font-variant: normal; font-weight: bold; letter-spacing: normal; line-height: 30px; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 0px; margin: 0.83em 0px 0.83em 0px; border: 0px none currentColor;\">Wann ist ein Ombudsmannverfahren nicht m&ouml;glich?<\/h2>\n<p style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 100%; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 12px 0px 12px 0px; margin: 0px; border: 0px none currentColor;\">Der Ombudsmann wird nicht in allen F&auml;llen t&auml;tig. So kann das Schlichtungsverfahren nicht in Anspruch genommen werden, wenn zum Beispiel<\/p>\n<ul style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; clear: both; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 0.93rem; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; list-style-position: outside; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 0px 0px 0px 15px; margin: 0px; border: 0px none currentColor;\">\n<li style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; font-size: 100%; outline-color: invert; outline-style: none; outline-width: 0px; vertical-align: baseline; padding: 3px 0px 3px 0px; margin: 0px; border: 0px none currentColor;\">Kunde und Institut sich geeinigt haben,<\/li>\n<li style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; font-size: 100%; outline-color: invert; outline-style: none; outline-width: 0px; vertical-align: baseline; padding: 3px 0px 3px 0px; margin: 0px; border: 0px none currentColor;\">der Rechtsweg beschritten &#8211; also Klage vor Gericht eingereicht &#8211; wurde,<\/li>\n<li style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; font-size: 100%; outline-color: invert; outline-style: none; outline-width: 0px; vertical-align: baseline; padding: 3px 0px 3px 0px; margin: 0px; border: 0px none currentColor;\">bereits eine andere Schlichtungsstelle eingeschaltet wurde oder<\/li>\n<li style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; font-size: 100%; outline-color: invert; outline-style: none; outline-width: 0px; vertical-align: baseline; padding: 3px 0px 3px 0px; margin: 0px; border: 0px none currentColor;\">der Kunde nur einen Rechtsrat\/ eine Rechtsauskunft w&uuml;nscht oder<\/li>\n<li style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; font-size: 100%; outline-color: invert; outline-style: none; outline-width: 0px; vertical-align: baseline; padding: 3px 0px 3px 0px; margin: 0px; border: 0px none currentColor;\">ein m&ouml;glicher Anspruch bereits verj&auml;hrt ist und sich das Institut auf die Verj&auml;hrung beruft.<\/li>\n<\/ul>\n<h2 id=\"4\" style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 1.5rem; font-style: normal; font-variant: normal; font-weight: bold; letter-spacing: normal; line-height: 30px; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 0px; margin: 0.83em 0px 0.83em 0px; border: 0px none currentColor;\">Auf welcher Grundlage entscheidet der Ombudsmann?<\/h2>\n<p style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 100%; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 12px 0px 12px 0px; margin: 0px; border: 0px none currentColor;\">Die Schlichtungsstellen entscheiden nur auf Grundlage der eingereichten Unterlagen und den Schilderungen des Sachverhalts durch die Beteiligten. Zeugen, wie zum Beispiel Mitarbeiter des Instituts, werden nicht geh&ouml;rt.<\/p>\n<h2 id=\"5\" style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 1.5rem; font-style: normal; font-variant: normal; font-weight: bold; letter-spacing: normal; line-height: 30px; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 0px; margin: 0.83em 0px 0.83em 0px; border: 0px none currentColor;\">Wo findet man die Kontaktdaten des zust&auml;ndigen Ombudsmanns?<\/h2>\n<p style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 100%; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 12px 0px 12px 0px; margin: 0px; border: 0px none currentColor;\">Je nachdem, mit welchem Institut sich der Kunde streitet, sind unterschiedliche Ombudsleute zust&auml;ndig. In aller Regel hilft ein Blick in die Vertragsunterlagen. Hier sind der zust&auml;ndige Ombudsmann und die erforderlichen Kontaktdaten oft vermerkt. Auch auf den Internetseiten der meisten Institute finden sich unter dem Begriff &#8222;Ombudsmann&#8220; oder &#8222;Schlichtung&#8220; entsprechende Informationen. Fragen Sie im Zweifel bei Ihrem Institut, welcher Ombudsmann zust&auml;ndig ist.<\/p>\n<p style=\"background-attachment: scroll; background-clip: border-box; background-color: transparent; background-image: none; background-origin: padding-box; background-position-x: 0%; background-position-y: 0%; background-repeat: repeat; background-size: auto; border-image-outset: 0; border-image-repeat: stretch; border-image-slice: 100%; border-image-source: none; border-image-width: 1; box-sizing: border-box; color: #333333; font-family: &amp;quot; merriweathersans-light&amp;quot;; font-size: 100%; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; outline-color: invert; outline-style: none; outline-width: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px; padding: 12px 0px 12px 0px; margin: 0px; border: 0px none currentColor;\">Zum Ziel f&uuml;hrt auch eine Internetrecherche oder die direkte Recherche bei einer Schlichtungsstelle. Diese bieten auf ihren Internetseiten h&auml;ufig eine Liste mit den Instituten, f&uuml;r die sie zust&auml;ndig sind. Zudem k&ouml;nnen Sie dort oft auch die Kontaktdaten anderer Schlichtungsstellen finden.<\/p>\n<\/li>\n<\/ul>\n<h3>PRESSEKONTAKT<\/h3>\n<p><b>wwr publishing GmbH &#038; Co. KG<\/b><br \/>Steffen Steuer<\/p>\n<p>Frankfurter Str. 74<br \/>64521 Gro\u00df-Gerau<\/p>\n<p>Website: <a href=\"http:\/\/www.wwr-publishing.de\" rel=\"nofollow\" target=\"_blank\">www.wwr-publishing.de<\/a><br \/>E-Mail : steuer@wwr-publishing.de<br \/>Telefon: +49 (0) 6152 9553589<\/p>\n<p><img decoding=\"async\" src=\"\/\/factum.presse-services.de\/tools\/artv.php?xxad=804-1222\" style=\"position:absolute; visibility:hidden\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ombudsleute vermitteln bei Streitigkeiten zwischen Kunden und Banken, Versicherungen, Bausparkassen oder anderen Instituten. Teilweise k\u00f6nnen sie f\u00fcr Anbieter verbindliche Entscheidungen treffen. Eine solche Schlichtung ist f\u00fcr den Kunden kostenlos. Das Ombudsmannverfahren ist damit eine Alternative zum Gerichtsprozess.<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":""},"categories":[1],"tags":[3395,3396,3394],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/dresdentipps.de\/index.php?rest_route=\/wp\/v2\/posts\/1757"}],"collection":[{"href":"https:\/\/dresdentipps.de\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dresdentipps.de\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dresdentipps.de\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/dresdentipps.de\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1757"}],"version-history":[{"count":1,"href":"https:\/\/dresdentipps.de\/index.php?rest_route=\/wp\/v2\/posts\/1757\/revisions"}],"predecessor-version":[{"id":1758,"href":"https:\/\/dresdentipps.de\/index.php?rest_route=\/wp\/v2\/posts\/1757\/revisions\/1758"}],"wp:attachment":[{"href":"https:\/\/dresdentipps.de\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1757"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dresdentipps.de\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1757"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dresdentipps.de\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1757"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}