(ii) the customer has surrendered his debts to the dealer as part of the agreement, and if you buy a new car on a credit lease, the financial company will pay the garage for it. They pay the money in increments to the financial company, with interest. (a) the unauthorized or fraudulent granting of credit or the possibility for a bank to effectively terminate a credit contract, even on the basis of a termination provision agreed in the contract, is often not easy and depends on the nature of the borrower, the availability of alternative financing and the reason for termination. This article examines the most recent Dutch case law, which illustrates the factors considered by the courts in assessing the validity of a termination. In any event, in the event of the termination of a credit contract, we advise both the bank and the borrower to conduct a constructive dialogue to agree on the terms of the termination. Both parties will benefit from the breakdown of the relationship on good terms. 1. In the event of termination of a regulated lease or conditional sales contract regulated under Section 99, the debtor is liable, unless the contract provides for a lesser payment or does not provide for payment to pay the creditor the amount (if any) of which half of the total price exceeds the aggregate of the sums paid and the amounts due for the total price immediately before the termination. (1) If the debtor or tenant declares, under a regulated contract, that he or she has the right to fall back from the contract, each of the following persons is considered to be the agent of the creditor or landlord for the purpose of receiving a notification of termination of the agreement that is served on the debtor or tenant- In our view, the courts may take these factors into account even if the credit contract has been entered into between a bank and another professional part. , particularly where a standardized credit contract has been used, z.B of the GBC-based agreements. In cases where the parties resort to contractual agreements negotiated and concluded with professional legal advice, these factors are unlikely to be relevant. (c) any agreement when the tenant hands over the goods to other persons or holds them for himself for the purpose of bail or tenancy in connection with an activity he is carrying out.