Loan? Financial restructuring? Help?

Unfortunately, I don’t fully understand the following sentence:

I'll explain to you.

The agent confirms that they will 100% not send a rejection once you have signed and paid.

That's what it means.

This also applies if they send you at least one offer from a "partner," who can then reject you. No guarantee is given in this case.

• I would be happy to explain to you the "secret messages" of such intermediaries.
• For example, their website states the following:

As soon as we receive your request, we will conduct a preliminary review free of charge. If a financial restructuring expert considers your desired specifications feasible (desired new target rate on your stated debt amount) and provides an approval based on your information, we will then obtain a corresponding offer free of charge and without obligation. Following successful mediation, the financial restructuring expert will immediately obtain all relevant documents from you in order to begin negotiations with your creditors immediately.

This passage:

If a financial restructuring expert considers your desired information to be feasible (desired new target rate on your stated debt amount) and gives a commitment based on your information, we will then obtain the corresponding offer free of charge and without obligation.

This means: – You have to pay us to contact random people (usually their "partners") for you, which you could do yourself.

Our job is ONLY to contact someone for you; that's what you pay us for. We guarantee that we'll do this for you at least once. We can't promise whether our partner will then take action. Nor do we want to.

• If their partner says "Yes, we'll take the customer," you'll have to pay something again. Namely, a "new contract," which can then be paid either in advance OR "contract documents with a cash-on-delivery fee."
• So the debts you already have will get even higher!

So what does this financial restructuring expert do?
They explain it to you as follows:

The financial restructuring specialist will usually obtain the current list of claims from all creditors and present them with a new repayment and repayment plan based on your wishes.

This means that if our partner says "we like to rip off our customers," we will ask you for some documents and pass them on.

The "partner" will then write to all your creditors and suggest installment payments. That's the end of the job. We won't do anything more.

• If you scroll further down on their main page, you will find the following statement under the heading "Advantages":

Acceptance and processing of your application guaranteed

BAM. And that's the only thing they guarantee you.
Acceptance (of your request) and processing (after payment we simply forward the documents) are guaranteed.

I would still have to ask something, because I don't understand the part with the request and the Google example 😅

That's what GF.net is for. What question would that be?

I know what financial restructuring is,

Unfortunately, 99% of people don't. They think they'll get a loan.

You have to write that yourself!
If the 14 days aren't up yet, you should briefly inform them that you're no longer interested in an offer. Send this to them by registered mail with return receipt or fax with proof of postage.

And by the way:

than stated above in the contract (rejection / cancellation excluded)

What they mean by this is that their rejection/cancellation is impossible, so they will Google it for you as if you were doing it yourself when you sign the contract.

You're basically just paying them to use Google, basically.
They only refer the applicant. Whether the applicant declines or rejects the offer is a different story.

Therefore: READ! and Google what a "renovation" actually is.
People fall for it every day.

Hypothetically, couldn't I simply exercise my right of revocation?

Within 14 days by registered mail with return receipt or by fax with proof of dispatch – RECEIVED by the recipient