The question just examined also highlights a more general problem: in German law, the question has arisen as to whether, in the event of a transfer of contract, the party entering into a contract is entitled to the protection afforded by the consumer protection provisions. The question arises particularly acutely in the case of consumer loan contracts in the context of whether a consumer who enters into the loan contract in place of the original debtor is entitled, as a new debtor, to the right of withdrawal applicable under § 355 BGB. In essence, the commentaries are unanimous in recognising that in the case of a transfer of the contract between the creditor and the new debtor, the new contracting party is entitled to the same protection as the original contracting party and that the right of withdrawal should, therefore, also apply to the new debtor.1 However, it is disputed whether the time limit for exercising the right of withdrawal should be calculated from the conclusion of the obligatory contract or the disposition. The majority view is that the deadline starts to run when the contract is concluded, since the obligatory contract is essentially a pre-contract for the purposes of the legal succession.2