Dienstag, 11. Mai 2010

Geheimes Urteil!

Als ich heute morgen den Videotext las, stieß ich unter der Überschrift "Geheimes Urteil: Geld zurück!" auf folgendes verlockende Angebot:

"Ein neues höchstrichterliches Urteil lehrt Versicherungen das Fürchten. Wegen eines Formfehlers in den Verträgen können sich Kunden jetzt mehrere Tausend Euro sichern - auch viele Jahre rückwirkend. ... Fordern Sie noch heute ihr Geld zurück... Alle Infos unter 0900 **** *** ***.

Man könnte jetzt gesellschaftswissenschaftliche Studien hieran anschließen, und so z. B. geißeln,
  • dass hier so genannte "Verbraucher" auf das Übelste abgezockt werden sollen,
  • dass der gesamte Duktus dem Leser offenbar den Eindruck vermitteln soll, er wäre ein armer wehrloser David, der dem bösen Versicherungs-Goliath nur trotzen könnte, wenn er diesem Anbieter eine Schleuder abkaufte.
  • Noch dazu eine Schleuder, die es anderswo umsonst gibt.
Das ist Marktwirtschaft auf der untersten sozialen Stufe. Ich möchte mich daher gar nicht länger damit aufhalten, sondern stattdessen auf einige Feinheiten hinweisen, die dem oberflächlichen Leser vielleicht entgangen sein könnten:

1. Die, denen hier angeblich das Fürchten gelehrt wird, heißen nicht Versicherungen, sondern Versicherer.
2. Versicherungen hingegen sind diese Verträge, die - mit Ausnahme der Textform, § 3 VVG, formfrei sind und deshalb kaum jemals einen Formfehler enthalten dürften.
3. Urteile sind dank der Errungenschaft des demokratischen Rechtsstaates grundsätzlich öffentlich und niemals geheim.
4. Lediglich der Anbieter möchte uns an seinem vorgeblichen Geheimwissen nicht teilhaben lassen, weil er es lieber so teuer als möglich an irgendwelche Deppen - sorry, Verbraucher - verscheuern möchte.

Und morgen kommt bestimmt wieder so ein Verbraucher in meine Kanzlei und verlangt von mir, dass ich ihm all sein Geld der vergangenen fünfzehn Jahre von seinen Versicherern zurückhole, denn das gäbe es doch dieses Urteil, dass müsse ich doch kennen, schließlich sei ich doch Anwalt.

Danke, SAT1!



Kommentare:

  1. P.S.: Mit der Schleuder, die es anderswo umsonst gibt, meine ich übrigens nicht anwaltliche Beratung - die ist ja bekanntlich nie umsonst - sondern dass Urteile grundsätzlich öffentlich zugänglich sind.

    AntwortenLöschen
  2. Mehr dazu z.B. hier

    http://www.pkv-gutachter.de/themen/Lebensversicherung.html

    AntwortenLöschen
  3. Mit "Formfehler" ist hier wohl nicht die Nichtigkeit wegen Formmangels im Sinne von § 125 BGB gemeint. Umgangssprache /= Juristensprache. Außerdem ist nach dem Sinnzusammenhang mit "geheim" nicht gemeint, dass das Urteil nicht öffentlich verkündet worden ist, sondern nicht bekannt ist. Solch ein Insider-/Fachwissen verkaufen auch Rechtsanwälte in Form von Rechtskenntnissen.

    AntwortenLöschen
  4. Wer sich vom SAT.1-Videotext rechtlich beraten lässt, der trägt auch einen Hut aus Alufolie auf dem Kopf und glaubt an Erdstrahlen.

    AntwortenLöschen
  5. @met@box:
    Schlau schlau! Das ist ja alles nicht ganz falsch, was Sie da schreiben, gleichwohl habe ich noch zwei Anmerkungen:

    1.
    Wenn die was anderes meinen als sie schreiben, warum schreiben sie dann nicht, was sie meinen? Das hat mit Umgangs-/Juristensprache rein gar nichts zu tun. Etwas Falsches wird auch umgangssprachlich kaum richtig verstanden werden.

    2.
    Rechtsanwälte sind die mit am längsten ausgebildeten Akademiker überhaupt, haften für alles was sie (oder gar Dritte) falsch machen und unterliegen extrem strengen berufsrechtlichen Regeln.

    Das unterscheidet sie meiner Ansicht nach doch recht deutlich vom Videotext auf SAT 1, oder?

    AntwortenLöschen
  6. sagt mir eure mail ich schicke euch den artikel !
    hab ihn auch so im netz gefunden

    AntwortenLöschen
  7. Do you have a spam issue on this blog; I also am a blogger, and I was curious about your
    situation; many of us have created some nice methods and we are looking to trade methods with other folks, why not shoot me an e-mail if interested.
    My website - private krankenversicherung 2009

    AntwortenLöschen
  8. I'm no longer positive where you're getting your info, but great topic.
    I needs to spend some time studying much more or working out more.
    Thank you for fantastic information I was on the lookout for this information for my mission.
    Have a look at my blog ... sharepoint hosting

    AntwortenLöschen
  9. you are in point of fact a good webmaster. The
    website loading pace is amazing. It kind of feels that you are doing any distinctive trick.
    Also, The contents are masterpiece. you have performed a wonderful task in this matter!
    Feel free to visit my web-site girokonto ohne schufa auskunft

    AntwortenLöschen
  10. Someone essentially lend a hand to make significantly posts I would state.
    That is the first time I frequented your website page and up to now?

    I surprised with the research you made to create this actual submit
    incredible. Wonderful process!
    Stop by my weblog - earn extra cash

    AntwortenLöschen
  11. Great article! That is the kind of information that should be shared across the internet.
    Disgrace on Google for now not positioning this post higher!
    Come on over and talk over with my site . Thank you =)
    Here is my page : paradise island vacation rentals

    AntwortenLöschen
  12. When I initially left a comment I seem to have clicked the -Notify me when new comments are added- checkbox and
    now every time a comment is added I receive four emails
    with the same comment. Perhaps there is a means you can
    remove me from that service? Thanks a lot!
    Also visit my weblog ... simply click the up coming document

    AntwortenLöschen
  13. I think this is one of the most vital information
    for me. And i'm glad reading your article. But wanna remark on some general things, The site style is perfect, the articles is really great : D. Good job, cheers
    Also see my web site :: seriöser kredit ohne schufa

    AntwortenLöschen
  14. Hello, i feel that i noticed you visited my website so i got here to go back the prefer?
    .I'm trying to to find things to enhance my website!I assume its ok to make use of some of your ideas!!
    Feel free to surf my page ... kinderschuhe billig

    AntwortenLöschen
  15. If some one desires expert view concerning blogging afterward i propose him/her
    to visit this blog, Keep up the fastidious work.
    Here is my blog post ... most popular clickbank products

    AntwortenLöschen
  16. Hi, after reading this amazing piece of writing i am as well
    happy to share my know-how here with mates.
    Also visit my web-site private krankenversicherung vergleich test

    AntwortenLöschen
  17. Hi there! I know this is kind of off topic but I was wondering if you
    knew where I could locate a captcha plugin for my comment form?
    I'm using the same blog platform as yours and I'm having difficulty finding one?
    Thanks a lot!
    Here is my web-site :: bank loans for bad credit

    AntwortenLöschen
  18. It's a pity you don't have a donate button!

    I'd certainly donate to this outstanding blog! I guess for now i'll settle for bookmarking and adding your
    RSS feed to my Google account. I look forward to new updates and will share this site with my Facebook group.
    Chat soon!
    Also visit my webpage ... ombudsmann pkv

    AntwortenLöschen
  19. This post is truly a pleasant one it assists new net
    visitors, who are wishing for blogging.
    Here is my web-site :: best web hosting reseller

    AntwortenLöschen
  20. I'm now not sure the place you're getting your information, but great topic.
    I must spend some time finding out much more or figuring out more.
    Thank you for magnificent information I used to be on
    the lookout for this info for my mission.
    Also see my web site > legit stay at home jobs for moms

    AntwortenLöschen
  21. I was suggested this web site by my cousin. I am not sure whether this
    post is written by him as no one else know such detailed
    about my trouble. You're wonderful! Thanks!
    Here is my website - what do you need for a home equity loan

    AntwortenLöschen
  22. Hey! I know this is kinda off topic nevertheless I'd figured I'd
    ask. Would you be interested in trading links or maybe guest writing a
    blog post or vice-versa? My website addresses a lot of the
    same topics as yours and I believe we could greatly
    benefit from each other. If you might be interested
    feel free to shoot me an e-mail. I look forward to hearing from you!
    Superb blog by the way!
    Take a look at my blog affordable seo uk

    AntwortenLöschen
  23. Good day very nice site!! Guy .. Excellent .. Wonderful .
    . I'll bookmark your blog and take the feeds also? I'm glad to search out a lot of helpful information right
    here within the publish, we'd like develop extra strategies in this regard, thank you for sharing. . . . . .
    Feel free to surf my site - home loan with bad credit

    AntwortenLöschen
  24. Incredible quest there. What occurred after?
    Thanks!
    My web-site ... best banks for home equity loans

    AntwortenLöschen
  25. I love your blog.. very nice colors & theme. Did you create this website
    yourself or did you hire someone to do it for you?
    Plz answer back as I'm looking to construct my own blog and would like to know where u got this from. thank you
    Feel free to visit my site ; make money selling

    AntwortenLöschen
  26. Just want to say your article is as surprising. The clearness to your post is just nice and i can think you are
    a professional in this subject. Well along with your permission let me to seize your feed to stay up to date with drawing
    close post. Thanks a million and please continue the enjoyable work.
    Here is my page ... best Hosting 2012

    AntwortenLöschen
  27. Thanks for any other informative site.
    Where else may I get that kind of info written in such an ideal way?
    I've a mission that I'm simply now operating on, and I've been at the glance out for such information.

    Also visit my web page - stiftung warentest Krankenversicherung
    Also see my web site :: private Krankenkassen Tarife

    AntwortenLöschen
  28. You really make it seem so easy with your presentation but I find this topic
    to be actually something which I think I would never understand.
    It seems too complex and very broad for
    me. I am looking forward for your next post, I will try to get the hang of it!


    Feel free to visit my site; best search engine optimization companies
    my site :: seo promotion

    AntwortenLöschen
  29. Thanks for the marvelous posting! I quite enjoyed reading it, you're a great author.I will make certain to bookmark your blog and will often come back from now on. I want to encourage one to continue your great work, have a nice day!

    Here is my weblog - preisvergleich private Krankenversicherung
    my page - alte Oldenburger Pkv

    AntwortenLöschen
  30. I think this is among the most important info for me. And i'm glad reading your article. But wanna remark on some general things, The web site style is great, the articles is really excellent : D. Good job, cheers

    Feel free to visit my web-site - how to refinance with bad credit

    AntwortenLöschen
  31. I'm really enjoying the design and layout of your blog. It's a very easy on the eyes which makes it much more
    enjoyable for me to come here and visit more often.
    Did you hire out a designer to create your theme? Great work!


    Also visit my web-site affiliate marketing with clickbank

    AntwortenLöschen
  32. Way cool! Some extremely valid points! I appreciate you penning
    this write-up and the rest of the website is also very good.


    Feel free to surf to my webpage ... working from home
    Also see my website > Best Online business ideas

    AntwortenLöschen
  33. First off I want to say excellent blog! I had a quick question that
    I'd like to ask if you don't mind. I was curious to know how you center yourself and clear your mind
    prior to writing. I've had a tough time clearing my mind in getting my thoughts out there. I do take pleasure in writing however it just seems like the first 10 to 15 minutes are usually lost simply just trying to figure out how to begin. Any suggestions or hints? Appreciate it!

    Also visit my webpage :: arbeitgeberanteil private krankenversicherung

    AntwortenLöschen
  34. You actually make it appear really easy along with your presentation but I in finding
    this matter to be actually something which I believe I would never understand.

    It sort of feels too complicated and extremely broad for me.
    I am having a look forward on your next post,
    I will attempt to get the hang of it!

    Review my web page - dedicated server hosting

    AntwortenLöschen
  35. It's a shame you don't have a donate button!
    I'd without a doubt donate to this fantastic blog! I guess for now i'll settle for bookmarking and adding your RSS feed to my Google account.
    I look forward to new updates and will share this site with my Facebook group.
    Talk soon!

    My website - Vexxhost Reviews

    AntwortenLöschen
  36. I've learn several just right stuff here. Definitely value bookmarking for revisiting. I wonder how a lot effort you place to make any such magnificent informative site.

    Here is my page :: web-hosting-top12.com

    AntwortenLöschen
  37. Hello would you mind stating which blog platform you're using? I'm going
    to start my own blog soon but I'm having a difficult time deciding between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design seems different then most blogs and I'm looking for something unique.
    P.S Apologies for getting off-topic but I had to ask!


    my web page :: frozenmail.net

    AntwortenLöschen
  38. Thanks a bunch for sharing this with all people you
    actually recognize what you're speaking about! Bookmarked. Kindly additionally discuss with my web site =). We may have a hyperlink trade agreement among us

    my web page - Natural Anxiety Remedies Tips

    AntwortenLöschen
  39. These are in fact impressive ideas in about blogging. You have touched some
    good factors here. Any way keep up wrinting.

    my web blog ... Kredit Trotz Schufa Und Hartz 4

    AntwortenLöschen
  40. I like the valuable information you supply to your articles.
    I'll bookmark your blog and take a look at once more here frequently. I'm rather sure I'll be told many new stuff proper here! Good luck for the next!

    Here is my blog - kredit ohne gehaltsnachweis

    AntwortenLöschen
  41. Touche. Sound arguments. Keep up the amazing work.

    Feel free to surf to my site ... hosting business

    AntwortenLöschen
  42. Please let me know if you're looking for a article writer for your site. You have some really good posts and I believe I would be a good asset. If you ever want to take some of the load off, I'd really like to write some material for your
    blog in exchange for a link back to mine. Please blast me an email if interested.
    Thank you!

    Also visit my homepage ... Voraussetzungen Private Krankenversicherung

    AntwortenLöschen
  43. Great work! This is the kind of information that should be shared around the
    internet. Disgrace on Google for now not positioning this submit
    higher! Come on over and visit my website .
    Thank you =)

    my web blog; small home business

    AntwortenLöschen
  44. I have been surfing online more than 2 hours today, yet I never found any interesting article like yours.

    It is pretty worth enough for me. Personally, if all web owners and
    bloggers made good content as you did, the
    net will be a lot more useful than ever before.

    Feel free to surf to my web site krankenkasse beiträge
    my webpage :: student private krankenversicherung

    AntwortenLöschen
  45. The decor on the inside of the restaurant is absolutely
    beautiful. I believe my exact words were "I don't want to be your dirty little secret. Her father, Bruce Paltrow, produced the critically acclaimed TV series that is considered the precursor to many medical shows today, St.

    My web page pub quiz aberdeen

    AntwortenLöschen
  46. Later on, among the continued practice ending up will continue to be
    auxiliary accustomed burning the various chords. The sooner you memorize some
    chords, the easier will be for you to perform plenty of styles of music.

    These hail every little thing played getting rid of barely
    the sophisticated keys, so you ought to keep effective toward crush extra listed below barely a limited
    area of time.

    Look at my web site :: jar of hearts piano chords and lyrics
    Also see my web site - piano chords am f

    AntwortenLöschen
  47. - Exorphins: Anti-nutrient found in dairy products and wheat.
    Let me tell you a quick story about the beauty of filling up on a
    paleo diet breakfast. The Paleo Gluten Free Diet
    has many health claims.

    my web-site :: the paleo diet and cholesterol

    AntwortenLöschen
  48. magnificent publish, very informative. I wonder why the other
    specialists of this sector don't realize this. You must continue your writing. I am sure, you have a great readers' base already!


    My page best coffee maker

    AntwortenLöschen
  49. If some one needs to be updated with most recent technologies after
    that he must be pay a visit this web page and be up
    to date daily.

    my web site :: private krankenversicherung Ranking

    AntwortenLöschen
  50. This is a really good tip particularly to those new to the blogosphere.
    Simple but very accurate information… Appreciate your sharing this one.
    A must read article!

    Check out my web page - click through the Up coming page

    AntwortenLöschen
  51. It's impressive that you are getting ideas from this post as well as from our argument made at this time.

    Review my site best at home jobs

    AntwortenLöschen
  52. Hi there all, here every one is sharing these know-how, thus it's pleasant to read this webpage, and I used to go to see this webpage everyday.

    Look into my site; Utilisateur:BarbraQKH - RFFST

    AntwortenLöschen
  53. Later on, among the continued practice ending up will continue to be auxiliary accustomed burning the various chords.
    Then you can quickly and easily figure out how
    to play any chord in any key on the spot, whether you've memorized that specific chord or not. The last type of chords we will discuss in this article are spread voicings.

    my web-site; piano chords and keys tutorial

    AntwortenLöschen
  54. D Minor:. As an alternative, it will most likely be far
    more powerful for you to learn about audio and chord idea.

    Piano players that struggle are the ones that don't play with passion and feeling.

    Look into my blog post ... piano chords and scales made easy

    AntwortenLöschen
  55. Saved as a favorite, I really like your site!


    Here is my page :: www.guenstig-urlaubmachen.com

    AntwortenLöschen
  56. This is usually considered a fun and effective learning method in general.
    Www. It is very soothing to hear the sound of piano and based on such
    vast change of scales, a song sounds so melodious.


    My web-site :: piano chords and notes with lyrics

    AntwortenLöschen
  57. This is the perfect webpage for everyone who wants to understand this topic.
    You know so much its almost tough to argue with you (not that I actually would want to…HaHa).
    You definitely put a fresh spin on a topic which has been discussed for years.
    Wonderful stuff, just wonderful!

    my web-site ... günstig reisen türkei

    AntwortenLöschen
  58. clients, Rachel, who got back together with her ex. Age Level - A good factor to
    write about is the appropriate age level for
    the video game that you are reviewing. If you want to be able to hit the ball further and
    harder, you should keep in mind to keep your grip on the bat loose, your swing should begin with your legs and hips, and finally,
    you must always follow your bat through.

    my site ... http://www.lidu8.Com/plus/guestbook.Php

    AntwortenLöschen
  59. Upon examining some etymological dictionaries, one can conclude
    that games are a creative expression of the human spirit
    through the creation of an activity that has an entertaining, instructive and
    competing element. Port forwarding lets you specify which ports the game needs
    to perform at it's best. As ever we strive to help our customers make informed decisions and understand where their r4 cards are coming from.

    my homepage: kostenlos spielen - www.spielespielen24.de

    AntwortenLöschen
  60. When you open it, music starts playing, and you do not have
    to do anything else but adjust the volume and close it when you want it to be done.

    For instance i - Pod users will have difficulty syncing their devices with i - Tunes; the popular media player, sync and marketplace application isn't available on Linux. With the Worldmate Nokia 5800 Xpress - Music application you can keep track of the current times in up to five different cities worldwide at a go.

    Here is my web page :: Personal Site

    AntwortenLöschen
  61. But also since then, we as a country, and as just as
    well, a world, have become basically addicted and dependent on our radios.
    Another consideration when choosing your software is whether you will be connecting to a single stream or multiple streams.

    As a gadget, it's out of this world; as a functional laptop, I'm not so sure.


    Check out my blog Email Console

    AntwortenLöschen
  62. This has led to an explosion of new radio stations and
    new ways to access existing radio stations with new facilities.
    But if you are not careful, you can foolishly spend money and gain little or no return on your investment.
    One of the very best reasons to include internet radio as part of your online marketing plan is because of the search engine
    optimization opportunities.

    Feel free to visit my web page visit the following internet site

    AntwortenLöschen
  63. And Ouya, which is about the size of a Rubik's cube. they simply need to learn that you will not be able to appease everyone of your player-base. It's
    fast to build and play and will challenge your memory.

    Feel free to surf to my web site ... http://www.spielespielen24.de

    AntwortenLöschen
  64. I say this because this was the only cab company that picked
    up the phone on the first ring. I know a lot more
    music now than before and have changed my tastes. It was
    the perfect place to meet friends after work, have a few drinks,
    and unwind.

    Here is my weblog - http://www.nexopia.com/users/CasimiraOd/blog/1-manage-stress-with-these-...

    AntwortenLöschen
  65. Una Musica Brutal, by Gotan Project: from Buddha Bar IV.
    Palma has a range of top-notch clubs, and Tito’s is one of the most popular.
    We are literally not the same person we were a minute ago, let alone a day, a month or a year ago.


    Visit my page http://journals.fotki.com/kerriwhhi/kerriwhhi/entry/fwdtrfqssrfd/

    AntwortenLöschen
  66. Whilst you could get a partner or close friend to give your shoulders, back or feet a good rub down, to truly feel long-term benefits you should
    enlist the services of a trained professional to give you regular massages.
    Just a few evenings ago we were at a meeting with other volunteers to find out more about RSVP: the Retired Senior Volunteer Program.
    The only issue I have is that they really should have found a way to double face the can,
    so it will work better in store shelves.

    My web blog: chillout radio

    AntwortenLöschen
  67. Ѕuperb infoгmаtion іn this aгtіcle.
    Mу namе's Chloe and I'm vегy glаd to have come аcrοѕѕ your site.
    Аctually, I'd love to get in contact with you. Will you make sure you drop me a e-mai?

    Also visit my web page: 98332

    AntwortenLöschen
  68. To get the best product type never make your choice with first product or store you see, but you
    should check several fishing kayaks for sale and try to get appropriate offer.
    In water types, you can consider cold or warm water, waves volume and
    other related elements. To read more about sea kayaking and kayak fishing, see the content-rich blogs Sea Kayaking Dot
    Net and North - American Kayak Fishing.

    my webpage; life quote

    AntwortenLöschen
  69. The new EP Pure Wet is a masterclass in experimental baselines
    and echoey, breathy vocals all underpinned by varying funk and
    R&B-based rhythms. What we can do is to really accept what we
    did while forgiving that part of us that was unaware of
    what we were doing or how it would impact other people;
    the part that just doesn't always get it right. It is a very capable digital audio editor, that has multiple options for remixing and refining the various sounds you can create.

    Take a look at my homepage ... Mouse Click The Following Web Page

    AntwortenLöschen