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Die geduldete Kontoüberziehung als Verbraucherdarlehensvertrag: Zustandekommen und Rechtsfolgen

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  • Feldhusen Claire

Abstract

Wird die geduldete Kontoüberziehung gem. § 505 BGB als Verbraucherdarlehensvertrag qualifiziert, ist hinsichtlich der vereinbarten Überziehungszinsen konsequenterweise ein Erfüllungsanspruch aus § 488 Abs. 1 Satz 2 BGB anzunehmen. In der Kontoüberziehung ohne vorangegangene Ermächtigung kann aber ebenso eine Pflichtverletzung als Anknüpfungsvoraussetzung für Verzugszinsansprüche gesehen werden. Allein die Duldung entscheidet über die rechtliche Qualifikation der Kontoüberziehung in diesen Fällen. Diese Rechtslage greift nicht unerheblich in das herkömmliche Verständnis der Rechtsgeschäftslehre und des Schuldrechts ein.

Suggested Citation

  • Feldhusen Claire, 2017. "Die geduldete Kontoüberziehung als Verbraucherdarlehensvertrag: Zustandekommen und Rechtsfolgen," Zeitschrift für Bankrecht und Bankwirtschaft (ZBB) / Journal of Banking Law and Banking (JBB), RWS Verlag, vol. 29(1), pages 41-47, February.
    • Handle: RePEc:bpj:zfbrbw:v:29:y:2017:i:1:p:41-47:n:7
    DOI: 10.15375/zbb-2017-0107
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