*by Johannes Fiala, lawyer (Munich), MBA Financial Services (Univ.Wales), MM (Univ.), certified financial and investment advisor (A.F.A.), banker (www.fiala.de) The claim: A policyholder had been a proud yacht owner until a loss occurred: a fire had damaged the vessel. The refusal of the benefit: The insurer later informed the policyholder that it was refusing to […]
Es ist verrückt, die Dinge immer gleich zu machen und dabei auf andere Ergebnisse zu hoffen. (Albert Einstein) In den letzten Jahren haben der Bundesgerichtshof (BGH) und das Bundesverfassungsgericht (BVerfG) die Rechtsberatung massiv liberalisiert. Der Gesetzgeber plant weitere Erleichterungen auf Wunsch der Wirtschaft, durch das neue Rechtsdienstleistungsgesetz (RDG). Für Finanzdienstleister ergeben sich dadurch neue Märkte: […]
by Johannes Fiala, Lawyer (Munich), M.B.A. (Univ.Wales), M.M. (Univ.), Certified Financial and Investment Advisor (A.F.A.), EC Expert (C.I.F.E.), Banker (www.fiala.de) Alleged insolvency protection: At sales training courses it is often claimed that occupational pension schemes are protected against insolvency. To this money ? In the event of the employer going bankrupt, for example, even an […]
*by Johannes Fiala, lawyer (Munich), MBA Financial Services (Univ.Wales), MM (Univ.), certified financial and investment advisor (A.F.A.), banker (www.fiala.de) The demarcation between business advisory and legal advisory activities is decisive for the question of what an initiator, a distributor and an intermediary may currently offer as a ?model or system? as their own or third […]
by Johannes Fiala, lawyer To this day, banks enforce against their clients for unprofitable tax saving schemes in the real estate sector: The European Court of Justice is called upon to help consumers enforce their rights. Many aggrieved investors often do not know that most claims for damages become time-barred at the end of the […]
RA Johannes Fiala With interest rates down, many property owners and business owners want to reschedule to get cheaper financing: Debt restructuring at no cost and no compensation, plus money back from the bank. This is also the dream of many an investor whose capital investments have for years failed to yield what was promised […]
by Johannes Fiala, lawyer To this day, banks are enforcing against their customers for unprofitable tax saving schemes in the real estate sector: the European Court of Justice is called upon to help consumers enforce their rights. Many aggrieved investors often do not know that most claims for damages become time-barred at the end of […]
by Johannes Fiala, Lawyer (Munich), M.B.A. (Univ.Wales), M.M. (Univ.), Certified Financial and Investment Advisor (A.F.A.), EC Expert (C.I.F.E.), Banker (www.fiala.de) On the duties of a lawyer and tax adviser in the management of third-party assets – in particular in the investment of wards’ money – in escrow or trust accounts Due to faulty investment advice […]
RA Johannes Fiala On the question of the necessity of having the value of the apartment determined by an expert opinion, we interviewed attorney Johannes Fiala, Munich. Fiala is an expert in this field. Many VfE members already know him. Mr. Fiala, you recommend that your clients have an appraisal done on the value of […]
by Johannes Fiala, lawyer The Federal Court of Justice (BGH) has strengthened the rights of condominium owners who have concluded the purchase of their property and the associated loan agreement in a “doorstep situation” (XI ZR 91/99). According to the ruling, homebuyers can revoke their loan indefinitely if they were not properly informed of their […]
