Supplementary General Terms and Conditions for easyCredit hire purchase
- Scope and general terms of use
The following supplementary General Terms and Conditions (hereinafter referred to as GTC) apply between you and the merchant for all contracts concluded with the merchant using easyCredit instalment purchase (hereinafter referred to as instalment purchase).
In the event of a conflict, the supplementary GTCs shall take precedence over the trader's general terms and conditions to the contrary.
An instalment purchase is only possible for customers who are consumers according to § 13 BGB (German Civil Code) and have reached the age of 18.
- Instalment purchase
For your purchase, the dealer, with the support of TeamBank AG Nuremberg, Beuthener Straße 25, 90471 Nuremberg (hereinafter TeamBank AG), provides you with hire purchase as an additional payment option.
The merchant reserves the right to check your creditworthiness. For further details, please refer to the payment by instalments data protection notice in the order section. If it is not possible to use the hire purchase service due to insufficient creditworthiness or because the merchant's turnover limit has been reached, the merchant reserves the right to offer you an alternative payment option.
The contract for an instalment purchase is concluded between you and the retailer. No payment is made, but with the hire purchase you decide to pay off the purchase price in monthly instalments. Monthly instalments are to be paid over a fixed term, whereby the final instalment may differ from the previous instalment amounts. The ownership of the goods remains reserved until full payment has been made.
The receivables arising from the use of hire purchase are assigned by the merchant to TeamBank AG within the framework of a current factoring contract. Payments can only be made to TeamBank AG with debt-discharging effect.
Apart from the general trade supervisory authority, the trader is not subject to supervision by any supervisory authority. Complaints can be addressed to the trader by letter or email.
- Payment by instalments via SEPA direct debit
With the SEPA direct debit mandate issued with the instalment purchase, you authorise TeamBank AG to collect the payments to be made through the instalment purchase from your current account specified in the order process at the credit institution specified there by means of a SEPA direct debit.
Collection will take place at the earliest on the specified date of the pre-notification/advance notice. A later, more timely collection can take place.
If there is a reduction in the purchase price amount between the pre-notification and the due date (e.g. due to credit notes), the amount debited may differ from the amount stated in the pre-notification.
You must ensure that there are sufficient funds in your current account at the time of the due date. Your bank is not obliged to honour the direct debit if there are insufficient funds in your current account.
If a return debit note is made due to insufficient funds in the current account, due to an unjustified objection by the account holder or due to the expiry of the current account, you will be in default even without a separate reminder, unless the return debit note results from a circumstance for which you are not responsible.
TeamBank AG may claim any costs charged by your credit institution to TeamBank AG for a return debit note for which you are responsible as damages and you must reimburse these costs. You reserve the right to prove to TeamBank AG that you have suffered less damage or none at all.
If you are in default, TeamBank AG is entitled to charge a reasonable reminder fee or default interest of five percentage points above the respective base interest rate of the European Central Bank for each reminder.
Due to the high costs associated with a return debit note, we ask you not to object to the SEPA direct debit in the event of a withdrawal from the purchase contract, a return or a complaint. In these cases, the payment will be reversed in agreement with the merchant by transferring the corresponding amount back or by issuing a credit note.
