Questione giuridica chiave
Whether the second payment reminder and CHF 50 reminder fee were lawful
Decisione estratta
The reminder fee could not be charged because the initial payment attempt was timely and the failed transfer was not attributable to the appellant.
Motivazione estratta
The first transfer was initiated on time; the missing final digit of the SWIFT/BIC code was an error that the bank should have clarified, especially since it had the IBAN and recipient name. Therefore the non-arrival of payment was not the appellant's fault under § 11 GT.