Hello together, I know that there is already one or the other topic here. But neither the topics nor the Google search have finally brought me further. No, I would say rather confused. I recently bought a car and partly financed it, for the first time! The seller said in Germany a so-called “carefree package” would be mandatory. On demand what the credit costs would be he meant 2,99% so total X and it would contain everything. fast, about 60 DIN A4 pages are printed and presented one page after another with signature fields. Of course you can say who can read is clearly in the advantage and about it I am also massively annoyed today. What happened: Purchase sum: X down payment: Y Loan amount: Z + “carefree package” Interest 2.99 % = Total loan amount As collateral for the loan the cession of the vehicle and the wage attachment were given. Then follow 3 pages to the credit agreement together with cancellation instructions (1 4 days) and some pages GTC ́s for payment, what happens if, use of the card functions etc. Following 2x insurance information including cancellation policy with 30 days. The insurance consists of 2 packages, 1x death, 1x unemployment etc. In addition, there is there, which one receives the documents together with cancellation policy again within one week and the cancellation period of 30 days from there applies. Now more than 20 days have passed and I still do not receive the documents again Only a “welcome letter” from the bank with the summary from the credit agreement (a Din A4 page). Well, can I really revoke the RSV separately within 30 days? Does the credit agreement remain unaffected by this? I feel a little messed up as the interest rate has nothing to do with 2.99% at all. In addition, I already have various insurances to cover all the mentioned risks. Since the car is already picked up and registered I do not want to use the I would like to provide extracts of the contract if it helps to clarify the situation clearly. VG