(1) The payment service user is to notify their payment service provider without undue delay after learning of an unauthorised or defectively executed payment transaction.
(2) Claims of the payment service user vis-à-vis the payment service provider and objections raised against them under this Subchapter are ruled out if the payment service user has failed to notify their payment service provider accordingly by no later than 13 months after the day on which their account has been debited with an unauthorised or incorrectly executed payment transaction. The period of time begins running only once the payment service provider has provided the payment service user with the information regarding the payment transaction under Article 248 sections 7, 10 or section 14 of the Introductory Act to the Civil Code (Einführungsgesetz zum Bürgerlichen Gesetzbuche); otherwise, the date of notification is the relevant date for the beginning of the period.
(3) Section (2) applies to other claims than those set out in section 675z sentence 1 by the payment service user against their payment service provider because of an unauthorised or incorrectly executed payment transaction, subject to the proviso that the payment service user still is able to assert these claims on expiry of the period if they were unable to meet the deadline through no fault of their own.
(4) Where the payment transaction was initiated via a payment initiation service provider, claims of the payment service user vis-à-vis their account servicing payment service provider and objections raised against them are ruled out if the payment service user has failed to notify the account servicing payment service provider that an unauthorised or incorrect payment transaction was debited by no later than 13 months after the date of the debit. The period begins running only once the payment service provider has provided the payment service user with the information regarding the payment transaction under Article 248 sections 7, 10 or section 14 of the Introductory Act to the Civil Code (Einführungsgesetz zum Bürgerlichen Gesetzbuche); otherwise, the date of notification by the account servicing payment service provider is the relevant date for the beginning of the period.
(5) Subsection (4) applies to the claims, other than those set out in section 675z sentence 1, of the payment service user against their account servicing payment service provider or against the payment initiation service provider for an unauthorised or incorrectly executed payment transaction, subject to the proviso that
1. the notification of the account servicing payment service provider also is sufficient to preserve the claims and objections of the payment service user against the payment initiation service provider, and
2. the payment service user may assert their claims against the account servicing payment service provider or against the payment initiation service provider also after the period has expired if they were unable to meet the deadline through no fault of their own.