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Old 07.10.2020, 09:01
Denis Denis is offline
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Join Date: Jun 2020
Location: St.gallen
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Re: Car dealer has blocked me in ZEK register from taking any loan

Maby ive explained wrong, it works like this, ill write down an algotithm

1. A car dealer applies for a loan for you(leasing) to some bank, like Cembra for instance.
2. You recieve appoval and you are in ZEK register for a month or even a year, that you dont take another few loans at the same time.
3. Here if you change your mind and inform the dealer, he notifies the bank(cembra) and the bank notifies ZEK, that the client rejected the loan.
4.You go to step one with another dealer/bank and if they see immedietly your ZEK register and ask to delete the previous credit data.

Usually the dealer just makes a call and informs about the cancelled deal. I went through it before.

But exactly this dealer is pissed and does not want to do it.
In ZEK everything looks like im still going to buy his car.
And the deal will look open untill 06.2021 as he had not informed the bank about the cancellation.

Is there any buyers right protection or?
Thanks so much in advance, i really need to by a car for my job.
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