Yes You Can Edit Your Credit | 20 Years Experience Working in the Industry's Leading Credit Reporting Agency
Idioma: inglés
Editorial: AuthorHouse, 2009
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Yes You Can Edit Your Credit | 20 Years Experience Working in the Industry's Leading Credit Reporting Agency | Jolanda Mosley | Taschenbuch | Englisch | 2009 | AuthorHouse | EAN 9781449008758 | Verantwortliche Person für die EU: Libri GmbH, Europaallee 1, 36244 Bad Hersfeld, gpsr[at]libri[dot]de | Anbieter: preigu Print on Demand.
N° de ref. del artículo 101501289
- Título
- Yes You Can Edit Your Credit | 20 Years Experience Working in the Industry's Leading Credit Reporting Agency
- Autor
- Jolanda Mosley
- Editorial
- AuthorHouse
- Año de publicación
- 2009
- Estado
- Neu
- Encuadernación
- Taschenbuch
- Idioma
- inglés
- ISBN 10
- 1449008755
- ISBN 13
- 9781449008758
- Peso del artículo
- 170 gramos
- Dimensiones
- 229 x 152 x 6 mm
- Catálogos de vendedores
- Bücher
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Fragmento. © Reproducción autorizada. Todos los derechos reservados.
YES YOU CAN EDIT YOUR CREDIT
20 YEARS EXPERIENCE WORKING FOR THE INDUSTRY'S LEADING CREDIT REPORTING AGENCYBy Jolanda MosleyAuthorHouse
Copyright © 2009 Jolanda MosleyAll right reserved.
ISBN: 978-1-4490-0875-8
Contents
What Your Credit Report Says About You...................................1ORDERING YOUR CREDIT REPORTS!!!!!!!......................................11What Your Credit Score Says About You....................................17Credit Repair - No one else can do it for you!...........................25Safe Places to Receive Help..............................................29Now that I've received my reports, where do I start?.....................35What Consumer Rights Do I Have?..........................................45Dealing with Debt Collectors.............................................53Protecting Your Identity.................................................59DANGER!!!! Scams to Avoid................................................71Notes....................................................................91
Chapter One
What Your Credit Report Says About YouA credit report tells the story of the kind of relationship that you have with others whom you do business with. For example, most of us have a library card. When you go to the library to check out a book, there is a history of what types of books you have checked out, when you checked them out, when they were scheduled to be returned and when you actually returned them. Also included are what late fees you have paid and which ones are outstanding. Your library card gives a history of the type of relationship that you have with the library.
A credit report works virtually the same way. It is designed to give lenders a look into whether or not you pay your bills on time, how much debt you are in, what types of credit you have (i.e. revolving, installment, etc.) as well as other areas.
Credit reports are widely used today to determine everything from if you will be hired for a job, if insurance will be extended to you or if you will receive financing for that wonderful house on the hill or be able to get financing for the car of your dreams. Yes you read it correctly. There are some potential employers that will pull your credit report to see how you are paying your bills to determine whether or not you will be offered the job or receive a promotion on your existing one. While I believe in some instances that this is warranted depending on the type of job that you are applying for, my personal opinion is that in other cases what does it have to do with anything? Your credit report cannot tell the story that you were laid off, suffered an illness, went through a divorce or experienced some other "life change" that has now left your credit less than perfect. You want to get the job so that you can begin to rebuild your life and pay people what you owe them, but you can't because your credit report reflects too many "bruises". In a lot of cases it really is a catch 22. Nevertheless, this is the society that we live in and I want to offer my years of experience to help you get back on your feet ... one step at a time.
The information contained in your credit report is vital but it is up to you as the consumer to manage it and oversee it. Believe me, you must be the one to take an active role in managing your credit report. This book is not to promote any products offered by the industry but I am writing it to serve as a guide for you to begin to get your credit life on track and try to walk you through the overwhelming amount of information.
The Federal Trade Commission (FTC) is the branch of our government that writes the laws and governs all of the aspects of credit reporting. The Fair Credit Reporting Act (FCRA) is the law designed to promote that the information contained in your report is accurate, that the information in your report is fair all while ensuring that your privacy is protected. As a consumer, the FCRA provides you with rights as well! Most of us are oblivious to the fact that there are rights that protect us. In my experience, when I would have discussions with people about a credit report, I can actually count on one hand the amount of them that were even aware that there were things in place to protect them. Most people have been misguided and they believe that they must just accept whatever the credit report says about them.
Before, I venture further into what rights you have as a consumer; I don't want to take for granted that you know what a credit report is and what it might contain about you. If this is too elementary for you, I don't apologize but I do applaud you for knowing at least the basics. However, you would be very surprised at the number of people who have no idea what a credit report is, so this is for their education. I have already given you the "library card" analogy. Your credit report is designed to paint a picture of the type of relationship you have with your lending institutions...... In short, it is designed to show whether or not you pay your bills and if you pay them timely.
The Fair Credit Reporting Act (again, this is the act designed to promote accuracy, fairness and privacy of what's contained in your report) defines a consumer credit report as:
Any written, oral or other communication of any information by a consumer reporting agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer's eligibility for:
Credit or insurance to be used primarily for personal, family, or household purposes
Employment purposes
Any other purposed authorized to have a qualified, allowable reason to need the information in your credit report
I will certainly address what the law says is an allowable reason to need your information shortly in this same chapter.
Okay. Now that you know what a credit report is, I think it is equally as important to know what a credit report IS NOT and what it cannot have in it.
A credit report may not contain any information that would be indications or ethnicity, gender, religious preferences
A credit report may not containin formation disclosing or inferring to a consumers medical condition. For example, The Alzheimer's Clinic cannot be listed on your report. All types of assumptions could be made by someone reviewing the information contained in your report thereby violating your rights as a consumer. However, their may be a collection account appearing on your report collecting for The Alzheimer's Clinic. In this scenario, if anyone else views your file, although they will see the collection agency, they should not be able to see The Alzheimer's Clinic.
A credit report may not contain information about any arrests or trouble that you may have had with the law
Your report will be the information that a credit reporting agency has in their file about you. The credit reporting agencies take the information that is given to them about you from your lenders which are also the agency's customers (I.e. Sears, GMAC, Capital One, etc.), assemble it and then it is given to you. Generally, here is the type of information that you should expect to see in your credit report.
Personal Information
Your personal information is critical to ensure accuracy of your file. This information comes from data that you provided as well as from creditors that you have a relationship with i.e. Sears, GMAC, Capital One, etc.
Your current address and any prior addresses where you either resided and/or used as a mailing address. This would include physical addresses as well as post office, drop boxes or rural routes. Any other addresses that the credit reporting agencies contain in the file on you
Your social security number and any variations of the number you provided than what is contained in the credit reporting agencies file. For example, if when you request your credit report and you gave them your assigned social security number of "123-45-6789" but one of your lenders has reported to the credit agency that the social they have on file for you is "123-45-6788" (the difference being the very last digit), the reporting agency MUST disclose to you any of those differences than what you provided. This is also true for any personal information you provided.
Your date of birth and any differences contained in the credit reporting agencies file
Current or previous employers
Your telephone number (not all of the credit reporting agencies list this information in their files)
Account Information
This information is given to the credit reporting agencies by creditors that you have a relationship with. There are several pieces of information that they report. Some of the credit reporting agencies may separate the positive (good accounts) from the negative (bad accounts). There may be other pieces of information but the list of data below represents the majority of what is reported:
The name of the account The account number (to protect your security, the complete account number may not be listed on the report) An address and/or phone number of the creditor Date account was opened Type of account (for example revolving charge, installment, mortgage, auto, etc) Terms of the account How you are actually paying against the account. Is the account being paid on time according to the terms of your agreement, have you missed some payments, is this account in a collection state or has it been written off (charged off), etc. Date that the creditor reported how you were paying this account Date account was closed if it has been closed Balance Credit Limit Who has responsibility for the account (is it individual account, joint with another user or are you only an authorized user of the account)
Public Record Information
This is information that has been obtained from local, state or federal courts. Any judgment (suit was filed against you), bankruptcy or tax lien that are a matter of public record may appear in your report. The type of information that is reported is:
Type of public record (judgment, lien, bankruptcy) Filing date Dismissed, Discharged, Paid or Release Date (if the item has been paid; Release also means paid) Assets and Liabilities (this information may not be reported by all credit reporting agencies) Plaintiff Attorney (this is information may not be reported by all credit reporting agencies)
Inquiry Information
Inquiries are the companies that have reviewed your credit report. Not just anyone can review the information contained in your credit report. For example, the neighbor that you had a fight with will not be able to call the credit reporting agency and ask for your report. In this section, I will address who can see your report.
There are 2 types of inquiries that can appear on your file: those that anyone viewing your report can see and those that only you can see.
Inquiries reflect who accessed your report for review Date your report was accessed Reason that your report was accessed i.e. you were applying for a job, credit card, home loan, etc.
I'm certain that you've heard that too many inquiries can hurt your credit score. Well this statement is certainly true but it also depends on the TYPE of inquiry as well. You as a consumer can order a copy of your credit report from one of the 3 agencies every day for the next year (not sure why anyone would want to do that BUT) even if you do, NONE of those inquiries will EVER be factored into your credit score. These are considered consumer disclosures and a consumer cannot ever be negatively affected or your credit score lowered just because you want to see what's on your credit report. On the other hand, when you as a consumer initiate a transaction I.e. you applied for credit those type of inquiries DO affect your score and too many will lower your score. Now who determines what's too many? You will never receive a straight answer about this from anyone because it's one of those "it depends" type questions. The best advice to you is to only apply for things as you NEED them. If you're walking through the mall and a store is offering free stemware, pearls or stainless steel flatware(all of which is probably the cheapest ever) just by completing the credit application..... JUST KEEP WALKING.... even better yet.... RUN! I'll discuss this in more detail in Credit Scoring".
Chapter Two
ORDERING YOUR CREDIT REPORTS!!!!!!!Okay, so hopefully you have a much better understanding of what a credit report is, what it contains and why it would be used. So now, you need to take action by:
ORDERING YOUR CREDIT REPORTS!!!!!!! Yes I'm shouting [??]
This is the part where we as consumers begin to get rather timid. There are all kinds of decisions being made about you based on a piece of paper, a credit report, a score....... yet as the person that the decision is being made about, because you've not seen the report OR afraid of what's on it, you fail to even look at it. Let me ask you a few questions. If your dream job were available, you applied, prepared, interviewed for it(and it went rather well) and they called you saying "Sorry, we didn't choose you" wouldn't you want to know why? If you have a goal of being a homeowner, sacrificed many pleasures in order to save your money, worked really hard and then you completed the loan application and you were rejected, wouldn't you at least want to know why? What if you applied for credit at the store just so you could save "10%", you got the discount BUT your credit was denied, wouldn't you at least want to check it out so it doesn't happen again?
Being denied or rejected can be extremely embarrassing, disappointing, overwhelming and just down right humiliating BUT the good news is in ordering your credit reports, you are taking the first step of "EMPOWERING" yourself to take control!
There are a lot of gimmicks, tricks and scams out there even when you are simply just trying to order your credit report. Don't get tricked into buying a fee based service when in most instances you have the right to get your report for FREE!
The federal law, Fair Credit Reporting Act (FCRA), states that you have the right to receive a copy of your credit report AND the credit reporting agencies must provide all of the information in your file at the time you make the request. This federal law also mandates that you are entitled to a free copy of your credit report if you've been denied credit, employment, insurance OR you've experienced any type of adverse action against you. An example of an adverse action could be your credit card company has sent you a notice stating that your line of credit has been cancelled and you can no longer charge on this card. If you've experienced any of the prior instances, you are entitled to a free copy of your credit report when you request it from the credit reporting agency within 60 days of the date you were notified that you were denied. The law states that the notice must include the name of the credit reporting agency, their address and phone number. Most notices will also include a website as well. There are 3 nationwide consumer reporting agencies:
Equifax
1-800-685-1111
www.equifax.com
Experian
1-888-397-3742
www.experian.com
TransUnion
1-800-916-8800
www.transunion.com
In 2004, an amendment was made to the federal law that states upon a consumers request the 3 nationwide reporting agencies must provide you with a free, "complimentary" copy of your credit report, upon your request, once every 12 months. In other words, even if you have not been denied credit, employment, insurance OR experienced any adverse action, you are still entitled to a "complimentary" credit report. This report may also be referred to as your annual credit report. To order your free annual credit report:
www.annualcreditreport.com
1-877-322-8228 or
Annual Credit Report Requests
P.O. Box 105281
Atlanta GA 30348-5281
You may print the Annual Credit Report Request Form at www.annualcreditreport.com or www.ftc.gov/credit
As you can see, there are 3 different ways your credit report: mail, phone or over the internet. I want to briefly touch on each to hopefully help you in determining which way is best for you. Let me start by saying that whichever way you choose to request your report, please just get it done. Remember it's the first step to empowering yourself!
(Continues...)
Excerpted from YES YOU CAN EDIT YOUR CREDITby Jolanda Mosley Copyright © 2009 by Jolanda Mosley. Excerpted by permission.
All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
Excerpts are provided by Dial-A-Book Inc. solely for the personal use of visitors to this web site.
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preigu
Osnabrück, Alemania
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preigu betreibt einen Onlineversandhandel mit über 1 Mio. Produkten in verschiedenen Sortimenten. Das Kernsortiment besteht aus Büchern, Medien und Spielwaren. Ein gelungenes Einkaufserlebnis ist das Ziel einer jeden Bestellung bei preigu, denn der Kunde und seine Zufriedenheit stehen an erster Stelle. preigu setzt daher auf einen kompetenten Kundenservice, funktionierende Prozesse und schnelle Reaktion.
Especialidad
Bücher, SpielwarenInformación empresarial del vendedor
preigu GmbH & Co. KG
Lengericher Landstraße 19
Osnabrück, Alemania 49078
About Us
Legal website operator identification:
preigu GmbH & Co. KG
Lengericher Landstr. 19
49078 Osnabrück
Germany
Telephone: +49 (0) 541 / 580 72 84
Email: mail@preigu.de
VAT No: DE 455 380 498
AG Osnabrück - HRA 209647
PhG: preigu Verwaltung GmbH
AG Osnabrück - HRB 221793
CEO: Ansas Meyer
We are neither willing nor obliged to participate in dispute resolution proceedings before consumer arbitration boards.
We are a member of the initiative "FairCommerce" since 30.11.2016.
For more information, see: https://www.haendlerbund.de/de/haendlerbund/interessenvertretung/faircommerce
Condiciones de venta
Standard Business Terms and customer information
I. Standard business terms
§ 1 Basic provisions
(1) The following terms and conditions of business apply for all contracts concluded with us as the supplier (preigu GmbH & Co. KG) via the websites AbeBooks and/or ZVAB. Unless otherwise agreed, the inclusion of your own terms and conditions is explicitly rejected.
(2) A ‘consumer' in the sense of the following regulations is every natural person who concludes a legal transaction which, to an overwhelming extent, cannot be attributed to either his commercial or independent professional activities. The term ‘businessman' refers to every natural person, legal person or legally responsible partnership that concludes a legal transaction in pursuance of his/its independent professional or commercial activity.
§ 2 Conclusion of the contract
(1) The subject-matter of the contract is the selling of products .
(2) If an article is placed by us with AbeBooks or ZVAB, the activation of the page on AbeBooks or ZVAB shall involve the binding offer to conclude a contract under the terms and conditions contained in the article page.
(3) The contract shall become effective via the online shopping cart system as follows:
The products intended for purchase are moved to the "shopping cart". You can select the "Shopping Cart" using the appropriate buttons on the navigation bar and make changes there at any time.
After calling up the "Checkout" page and entering the required personal data and payment and shipping conditions, all order information is then displayed again on the order summary page.
Before submitting the order, you have the ability once more to review or change any information here (you may also use the "back" button on the Internet browser), or to cancel the purchase.
By clicking the "Buy now" button to submit the order, you declare your legally binding acceptance of the order which makes the contract effective.
(4) The execution of the order and the sending of all the details necessitated by the conclusion of the contract take place via e-mail, in a partially-automated manner. Consequently, you have to ensure that the e-mail address that you have deposited with us is the correct one, and that the receipt of the respective e-mails is guaranteed. In particular, you have to ensure that the respective e-mails are not blocked by a SPAM filter.
§ 3 Right of retention, reservation of proprietary rights
(1) You can only exercise a right of retention if the situation in question involves claims arising from the same contractual relationship.
(2) The goods remain our property until the purchase price is paid in full.
§ 4 Warranty
(1) The statutory warranty rights are applicable.
(2) As a consumer, you are requested to promptly check the product for completeness, visible defects and transport damage as soon as it is delivered, and promptly disclose your complaints to us and the shipping company in writing. Even if you do not comply with this request, it shall have no effect on your legal warranty claims.
(3) If a characteristic of the goods deviates from the objective requirements, the deviation shall only be deemed to be agreed if you were informed of the same by us before submitting the contractual declaration and the deviation was expressly and separately agreed between the contracting parties.
§ 5 Choice of law, place of fulfilment, jurisdiction
(1) German law shall apply. This choice of law only applies to customers if it does not result in the revocation of the protection guaranteed by the mandatory provisions of the law of the country in which the respective customer's usual place of residence is located (benefit-of-the-doubt principle).
(2) If you are not a consumer, but a businessman, a legal entity under public law or an institutional fund governed by public law, our place of business is the place of jurisdiction as well as the place of fulfilment for all services that follow from the business relationships that exist with us. The same condition applies to situations in which you are not associated with a general place of jurisdiction in Germany or the EU, as well as situations in which the place of residence or the usual place of residence is not known at the time of commencement of proceedings. This has no bearing on the capacity to call upon the court associated with another place of jurisdiction.
(3) The provisions of the UN Convention on Contracts for the International Sale of Goods are explicitly inapplicable.
II. Customer information
- Identity of the seller
preigu GmbH & Co. KG
Lengericher Landstr. 19
49078 Osnabrück
Germany
Telephone: 0541-580 72 84
E-Mail: mail@preigu.de
We are neither willing nor obliged to participate in dispute resolution proceedings before consumer arbitration boards.
- Information regarding the conclusion of the contract
The technical steps associated with the conclusion of the contract, the contract conclusion itself and the correction options are executed in accordance to the regulations "conclusion of the contract" in our standard business terms (part I.).
- Contractual language, saving the text of the contract
3.1 Contract language shall be English.
3.2 The complete text of the contract is not saved with us. Before the order is sent, the contract data can be printed out or electronically saved using the browser's print function. After the order is received by us, the order data, the legally-mandated details related to distance selling contracts and the standard business terms are re-sent to you via e-mail.
- Main features of the product or service
The key features of the goods and/or services can be found in the respective quote.
- Prices and payment arrangements
5.1 The prices mentioned in the respective offers represent total prices, as do the shipping costs. They include all the price components, including all the incidental taxes.
5.2 The dispatch costs that are incurred are not included in the purchase price. They can be viewed by clicking the appropriate button on our website or in the respective quote, are shown separately over the course of the order transaction and must additionally be borne by you, insofar as free delivery is not confirmed.
5.3 If delivery is made to countries outside of the European Union, we may incur unreasonable additional costs, such as duties, taxes or money transfer fees (transfer or foreign exchange fees charged by the banks), which you must bear.
5.4 You must also bear the costs arising from money transfers in cases in which the delivery is made to an EU Member State, but the payment is initiated outside of the European Union.
5.5 The payment methods that are available to you are shown by clicking the appropriate button on our website or are disclosed in the respective quote.
5.6 Unless otherwise specified for the respective payment methods, the payment claims arising from the contract that has been concluded become payable immediately.
- Delivery conditions
6.1 The delivery conditions, delivery date and existing supply restrictions, if applicable, can be found by clicking the appropriate button on our website or in the respective quote.
Unless a different period is specified in the item description or our delivery conditions, the goods are delivered within 3-5 days after the conclusion of the contract (in case an advance payment has been agreed upon, after the payment authorisation).
6.2 If you are a consumer, the following is statutorily regulated: The risk of the sold item accidentally being destroyed or degraded during shipping only passes over to you when the item in question is delivered, regardless of whether or not the shipping operation is insured. This condition does not apply if you have independently commissioned a transport company that has not been specified by us or a person who has otherwise been appointed to execute the shipping operation.
- Statutory warranty right
Liability for defects is governed by the "Warranty" provisions in our General Terms and Conditions of Business (Part I).
Information on battery disposal
In connection with the sale of batteries or the delivery of devices containing batteries, we are obliged to inform you of the following:
Batteries must not be disposed of with household waste.
You can either return used batteries that we carry or have carried in our range as new batteries to us at your own expense or return them free of charge to our shipping warehouse (shipping address). Alternatively, you can hand in the batteries at your local collection points.
As an end user, you are legally obliged to return used batteries so that they can be recycled or disposed of properly.
Used batteries may contain harmful substances that can damage the environment or your health if not stored or disposed of properly. However, batteries also contain important raw materials such as iron, zinc, manganese or nickel and can be recycled.
The symbols on the batteries have the following meanings:
The symbol of the crossed-out wheelie bin means that the battery must not be disposed of with household waste.
For batteries containing a certain amount of lead, cadmium or mercury, the following additions below the symbol with the crossed-out wheelie bin indicate the respective pollutants:
Pb = Battery contains more than 0.004% lead by weight
Cd = Battery contains more than 0.002% cadmium by weight
Hg = Battery contains more than 0.0005% mercury by weight
Information on the costs involved in accordance with Article 56 (4) of the EU Battery Regulation (Regulation 2023/1542) can be found at the ‘Batterie-Zurück (https://www.batterie-zurueck.de/de/bewirtschaftungvonaltbatterien/)' initiative.
Please pay attention to the above instructions.
Derecho al desistimiento
Instructions for revocation
Right of withdrawal for the sale of goods
Revocation right for consumers
(A ‘consumer' is any natural person who concludes a legal transaction which, to an overwhelming extent, cannot be attributed to either his commercial or independent professional activities.)
Instructions for revocation
Revocation right
You have the right to revoke this contract within 14 days without specifying any reasons.
The revocation period is 14 days with effect from the day,
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on which you or a third party nominated by you, which is not the carrier, had taken possession of the products, provided you had ordered one or more products within the scope of a standard order and this/these product/products is/are delivered uniformly;
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on which you or a third party nominated by you, which is not the carrier, had taken possession of the last product, provided you had ordered several products within the scope of a standard order and these products are delivered separately;
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on which you or a third party nominated by you, which is not the carrier, had taken possession of the last part delivery or the last unit, provided you had ordered a product, which is delivered in several part deliveries or units;
To exercise your right of withdrawal, you must inform us (preigu GmbH & Co. KG, Lengericher Landstr. 19, 49078 Osnabrück, Telephone number: +49 (0) 541 / 580 72 84, E-Mail address: mail@preigu.de) by means of a clear declaration (e.g. a letter sent by post, or an e-mail) of your decision to withdraw from this contract. You can use the attached model withdrawal form for this purpose, which is, however, not mandatory.
You can also exercise your right of withdrawal online by clicking on a button labelled accordingly (such as ‘Withdraw from contract' or similar) on the AbeBooks/ZVAB website. If you use this online function, you will immediately receive a confirmation of receipt on a durable medium (e.g. via email) containing information on the content of the withdrawal notice, as well as the date and time of its receipt.
In order to safeguard the revocation period, it is sufficient that you send the notification about the exercise of the revocation right before the expiry of the revocation period.
Consequences of the revocation
If you revoke this contract, we shall repay all the payments, which we received from you, including the delivery costs (with the exception of additional costs, which arise from that fact that you selected a form of delivery other than the most reasonable standard delivery offered by us), immediately and at the latest within 14 days from the day on which we received the notification about the revocation of this contract from you. We use the same means of payment, which you had originally used during the original transaction, for this repayment unless expressly agreed otherwise with you; you will not be charged any fees owing to this repayment.
We can refuse the repayment until the products are returned to us or until you have furnished evidence that you have sent the products back to us, depending on whichever is earlier.
You must return or transfer the products to us immediately and, in any case, at the latest within 14 days with effect from the day on which you inform us of the revocation of this contract. The deadline is maintained if you send the products before the expiry of the 14 day deadline.
You bear the direct costs for returning the products.
You must pay for any depreciation of the products only if this depreciation can be attributed to any handling with you that was not necessary for checking the condition, features and functionality of the products.
Criteria for exclusion or expiry
The revocation right is not available for contracts
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for delivery of products, which are not prefabricated and for whose manufacturing an individual selection or stipulation by the consumer is important or which are clearly tailored to the personal requirements of the consumer;
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for delivery of products, which can spoil quickly or whose use-by date would be exceeded quickly;
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for delivery of alcoholic drinks, whose price was agreed at the time of concluding the contract, which however can be delivered 30 days after the conclusion of the contract at the earliest and whose current value depends on the fluctuations in the market, on which the entrepreneur has no influence;
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for delivery of newspapers, periodicals or magazines with the exception of subscription contracts. The revocation right expires prematurely in case of contracts
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for delivery of sealed products, which are not suitable for return for reasons of health protection or hygiene if their seal has been removed after the delivery;
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for delivery of products if they have been mixed inseparably with other goods after the delivery, owing to their condition;
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for delivery of sound or video recording or computer software in a sealed package if the seal has been removed after the delivery.
Specimen - revocation form
(If you wish to revoke the contract, please fill up this form and send it back to us.)
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To preigu GmbH & Co. KG, Lengericher Landstr. 19, 49078 Osnabrück, Email address: mail@preigu.de :
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I/we () herewith revoke the contract concluded by me/ us () regarding the purchase of the following products ()/
the provision of the following service () -
Ordered on ()/ received on ()
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Name of the consumer(s)
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Address of the consumer(s)
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Signature of the consumer(s) (only in case of a notification on paper)
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Date
(*) Cross out the incorrect option.
Privacidad y seguridad
Data protection declaration
Unless stated otherwise below, the provision of your personal data is neither legally nor contractually obligatory, nor required for conclusion of a contract. You are not obliged to provide your data. Not providing it will have no consequences. This only applies as long as the processing procedures below do not state otherwise.
"Personal data" is any information relating to an identified or identifiable natural person.
Responsible person
Contact us at any time. The person responsible for data processing is: Ansas Meyer, Lengericher Landstr. 19, 49078 Osnabrück Deutschland, +49 (0) 541 / 580 72 84, mail@preigu.de
Collection and processing when using the cancellation button
If you have entered into a contract via this platform for which a statutory right of cancellation applies, the platform provides you with a cancellation function (cancellation button) through which you can submit your notice of cancellation immediately.
When using the cancellation function, your personal data (name, email address, details identifying the contract or part of the contract you wish to withdraw from, and the time (date and time) of sending the notice of withdrawal) will only be collected to the extent that you have provided it.
The purpose of data processing is to provide you with the statutory option to withdraw from your contract and to ensure the proper processing of your withdrawal.
The platform operator collects your data on the basis of Article 6(1)(f) of the GDPR, namely the legitimate interest in ensuring the general accessibility of the statutory withdrawal function on the platform. You will receive a confirmation email from the platform operator acknowledging receipt of your notice of withdrawal.
The data is then transmitted to us by the platform operator.
If the contact relates to a contract already concluded between you and us, this data processing is carried out on the basis of Article 6(1)(b) of the GDPR. Otherwise, data processing is carried out on the basis of Article 6(1)(c) of the GDPR, to fulfil a legal obligation to provide an electronic withdrawal function.
We use your email address solely to process your notice of withdrawal. Your data will subsequently be deleted in accordance with statutory retention periods, provided you have not consented to further processing and use.
Collection, processing, and transfer of personal data in orders
When you submit an order we only collect and use your personal data insofar as this is necessary for the fulfilment and handling of your order as well as processing of your queries. The provision of data is necessary for conclusion of a contract. Failure to provide it will prevent the conclusion of any contract. The processing will occur on the basis of Article 6(1) b) GDPR and is required for the fulfilment of a contract with you.
Your data will be shared, for example, with shipping companies, dropshipping or fulfillment providers, payment service providers, service providers for order processing, and IT service providers. We will comply strictly with legal requirements in every case. The scope of data transmission is restricted to a minimum.
Duration of storage
After contractual processing has been completed, the data is initially stored for the duration of the warranty period, then in accordance with the retention periods prescribed by law, especially tax and commercial law, and then deleted after the period has elapsed, unless you have agreed to further processing and use.
Rights of the affected person
If the legal requirements are fulfilled, you have the following rights according to art. 15 to 20 GDPR: Right to information, correction, deletion, restriction of processing, data portability. You also have a right of objection against processing based on art. 6 (1) GDPR, and to processing for the purposes of direct marketing, according to art. 21 (1) GDPR.
Right to complain to the regulatory authority
You have the right to complain to the regulatory authority according to art. 77 GDPR if you believe that your data is not being processed legally.
You can lodge a complaint with, among others, the supervisory authority responsible for us, which you may reach at the following contact details:
Landesbeauftragte für den Datenschutz Niedersachsen Prinzenstraße 5 30159 Hannover Tel.: +49 511 1204500 Fax: +49 511 1204599 E-Mail: poststelle@lfd.niedersachsen.de
Right to object
If the data processing outlined here is based on our legitimate interests in accordance with Article 6(1)f) GDPR, you have the right for reasons arising from your particular situation to object at any time to the processing of your data with future effect.
If the objection is successful, we will no longer process the personal data, unless we can demonstrate compelling legitimate grounds for the processing that outweigh your interests or rights and freedoms, or the processing is intended for the assertion, exercise or defence of legal claims.