Christa K. (55) was a top saleswoman, then opened a dance hall and took out a loan. Now she has nothing, even lost the house.
“I had a life, then earned around 3,000 euros net a month as a subscription seller. Due to a windy loan from an even windier bank advisor, my partner and I lost everything, including the house,” says Christa K. from Guntramsdorf (Mödling district) without great lamentation.
Tanzlokal Knickerbocker
The mother of two had earned very well as a subscription seller for years, met her Andreas (49) in 2011 and finally made the decision with him to become self-employed in 2012. “At that time, Andreas had worked as a locksmith for over 20 years, his cross was broken. And I thought it was a good time,” said the 55-year-old. So a former disco was leased and the “Knickerbocker” dance hall was opened.
For this purpose, Andreas (49) took in 25,000 euros alone in February / March 2012 and 70,000 euros and 45,000 euros together with his partner. The loan was processed through a well-known bank in Austria, a lot of money was invested in the dance hall and finally the bar was officially opened in spring 2012.
115,000 Euro Credit
“Shortly before signing the loan, my supervisor said that nothing would be a problem. I do not have to co-sign for the 70,000 and 45,000 euros because my partner’s house would be there as security anyway. But for the sake of form, I should still co-sign and thus guarantee . So I signed for the 70,000 and 45,000 euros, “said the Lower Austrian.
Paid too little?
“The worm was there from the beginning, only I simply trusted my bank advisor blindly and naively, met him again and again, sometimes – at his request – also outside the institute. Strangely enough, the money then flowed. For example: One of the bills A Hungarian company paid 20,000 euros for the renovation of the restaurant. And I received 15,000 euros, then 20,000 euros, but only from interim accounts, which were then immediately closed again. I believe that then a total of 15,000 to 20,000 euros are missing, which I didn’t get paid at all, “says Christa K. wisely afterwards. “But I can’t prove anything in this direction,” shoots the woman from the industrial district.
According to Christa K., the installments of 730.45 euros were always transferred on time in 2012, but every payment was immediately followed by a reminder. Several inquiries by the two borrowers brought nothing. In July 2012, it suddenly said: “3,000 euros are open in installments and must be paid immediately,” said Christa K. The Guntramsdorf woman transferred the amount, but the bank did not accept the money. “I was finally puzzled and called the bank. Only the supervisor couldn’t explain why at the time. She just said herself that she didn’t understand.”
Supervisor suddenly gone
Almost at the same time, Christa K. found out that her supervisor (Note: your confidant and loan processor) was dismissed and the three loans have to be combined into a collective loan. A little later, a senior position at the bank got involved, and the next day Christa K. had an appointment in Vienna: “An incredibly rude employee told me that we couldn’t avoid it and that the house would have to be foreclosed at the end of October 2012.” And at this point, all of the couple’s accounts were also blocked.
But the couple came first to the bank, sold the house privately for 130,000 euros, paid back 24,000 euros for the car (Mazda) and returned 106,000 euros to the bank in January 2013 for the loan. At the beginning of February, however, the dance hall had to close. “I couldn’t buy anything anymore, couldn’t pay any more rent. From then on I only received collection letters, although until 2011 I didn’t have a single negative KSV entry and I always paid my installments,” says Christa K.
Claim of just under € 190,000
The 55-year-old turned to some lawyers, but most of them wanted a deposit. “How is that supposed to work when everything is gone?”, Says Christa K. In July 2017, Christa K. asked her partner in the amount of 87,800 euros and almost 100,000 euros. Christa K. also exercises self-criticism: “I should have I was supposed to be represented by a lawyer earlier, bury my head in the sand for a while, could have been more persistent. “
In December 2017, the then 45-year-old Andreas fell ill with esophageal cancer. Today, at the end of December 2020, the now 49-year-old also has pancreatic cancer, a weakened heart, is bedridden, needs retarded morphine and care.
And because Christa K. had read a similar article in “Heute” about a dubious loan (by the way, the same bank) with a positive outcome for the borrower (48), Christa K. turned to Florian Höllwarth. “As a last hope, so to speak,” said the Guntramsdorf resident.
“Want Justice”
“I just want justice and the damage done. Because I haven’t had a life for years, I’m not allowed to register a cell phone or a car, and have 860 euros a month. I did the whole thing to make me financially better and what is the result? Instead of just under 3,000 euros net a month, I now have less than a third of it and an avalanche of debt, “reports Christa K.
Attorney Florian Höllwarth said: “We will now proceed against the bank with all means. The fact that the bank also demands the 25,000 euros for which my client has not even guaranteed from my client, so to speak, is a great deal.”
That’s what the bank says
When asked about the whereabouts of the then employee and credit inserter, a spokeswoman for the financial institute said: “We ask for your understanding that we will not provide any information about our employees for data protection reasons.” Furthermore, the financial institution announced that a transparent (and presumably different) presentation will only be possible after the banking secrecy has been released. “today“sent the childbirth declaration to the bank’s spokeswoman on the same day and will report.
By the way: According to the ex-operator, the dance hall in southern Lower Austria is still there. “That was simply leased out lucratively with my facility. I didn’t get a cent for it,” says Christa K., who is currently also unable to work. “I care for my sick partner around the clock,” explains the 55-year-old.
