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[title] => Prva pravomoćna presuda o ništetnosti ulazne naknade za obradu kredita, procjenjuje se da su banke dužne potrošačima oko milijardu kuna!
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“Donesena je konačno i prva pravomoćna presuda kojom je utvrđena ništetnost tzv. ulazne naknade za obradu kredita. Govorili smo već o tome da je Sud EU svojim presudama C-84/19 i C-224/19 nedvojbeno utvrdio da banke ne smiju ugovarati nikakve troškove obrade kredita, i da su takve ugovorne odredbe nepoštene”, objavila je Udruga Franak.
Izvijestili su da je Županijski sud u Zagrebu prvi put u Hrvatskoj potvrdio 20. srpnja 2021. presudom Gž-1368/21 pravomoćnost presude Općinskog građanskog suda u Zagrebu i time je utvrdio za dva ugovora o kreditu ništetnost ulazne naknade za obradu kredita.
Ujedno je suđena tom presudom i ništetnost izlazne naknade za prijevremenu otplatu, za što postoji, istaknuli su, već dosta stabilna sudska praksa u Hrvatskoj.
Presudu je donijelo vijeće u sastavu sutkinja Andrine Raspor Flis, Željke Rožić Kaleb i Ane Gradišek, dok je prvostupanjsku presudu donijela sutkinja Ksenija Šimić. Tužitelja je zastupao splitski odvjetnik Vlaho Duplančić.
“Kuriozitet te presude jest da je to jedna od rijetkih presuda protiv Hrvatske poštanske banke, za koju dosad nismo niti znali da je ugovarala nepoštene ugovorne odredbe”, navode u Udruzi Franak.
Kako su pojasnili, razlozi utvrđenja ništetnosti ulazne naknade u obrazloženju presude su sljedeći:
- HPB nije dokazao da se o toj odredbi pojedinačno pregovaralo
- radi se o standardnoj odnosno tipskoj ugovornoj odredbi
- u ugovoru nije navedeno od čega se sastoji ulazna naknada u iznosu 3 posto
- takva ugovorna odredba uzrokovala je neravnotežu obveza na štetu potrošača
- zbog svih navedenih razloga ugovorena ulazna naknada je ništetna ugovorna odredba.
“Budući da su banke u većini ugovora o kreditu ugovarale ulazne naknade od 1 posto do 3 posto iznosa kredita, procjenjujemo ugrubo da su banke dužne potrošačima zajedno sa zateznim kamatama oko milijardu kuna nezakonito naplaćenih ulaznih naknada”, ističu u Udruzi Franak.
Naveli su također kako se na temelju dosadašnje pravomoćne sudske prakse u Hrvatskoj može zaključiti da imamo sljedeća sudska utvrđenja:
1. Ništetnost valutne klauzule CHF i ništetnost promjenjivih kamatnih stopa, potvrđeno revizijama i ustavnosudski.
2. Ništetnost izlaznih naknada za prijevremenu otplatu kredita, pravomoćno potvrđeno nekoliko desetaka puta i zaključeno na sjednici Građanskog odjela Vrhovnog suda.
3. Ništetnost ulaznih naknada za obradu kredita, pravomoćno utvrđeno zasad jednom presudom.
4. Ništetnost cijelog ugovora s valutnom klauzulom CHF, prema našim spoznajama dvaput pravomoćno utvrđeno.
“To znači da Vrhovni sud mora zauzeti konačno stajalište o točkama 3. i 4., i to što prije, jer se radi o sustavnim propustima banaka za koje su moguće mnogobrojne tužbe potrošača koji moraju imati pravnu sigurnost za svoje tužbe” istaknuli su u priopćenju.
Iz Udruge Franak informiraju i kako je nedavno i Vrhovni sud u Italiji konačno utvrdio ništetnost valutne klauzule CHF za potrošačke ugovore o kreditu britanske banke Barclays, jedne od najvećih banaka u Italiji.
Ujedno su najavili kako 2. rujna s početkom u 10 sati Vrhovni sud u Poljskoj počinje sjednicu na kojoj će odlučiti o ništetnosti CHF ugovora u Poljskoj.
“Imamo saznanja da je financijski pravobranitelj na pitanje Vrhovnog suda o tome već dao mišljenje kojim je ustvrdio da takvi ugovori u Poljskoj jesu ništetni, jer je takav stav Suda EU, i jer se radi o glavnom predmetu ugovora koji nema mogućnosti zamjene zakonskom alternativnom odredbom.
Nakon radosnih vijesti iz Italije, očekujemo danas i radosne vijesti iz Poljske! Pozivamo ujedno Vrhovni sud RH da hitno odluči o revizijama u kojima se postavlja pitanje ništetnosti CHF ugovora”, poručuju iz Udruge Franak.
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“Donesena je konačno i prva pravomoćna presuda kojom je utvrđena ništetnost tzv. ulazne naknade za obradu kredita. Govorili smo već o tome da je Sud EU svojim presudama C-84/19 i C-224/19 nedvojbeno utvrdio da banke ne smiju ugovarati nikakve troškove obrade kredita, i da su takve ugovorne odredbe nepoštene”, objavila je Udruga Franak.
Izvijestili su da je Županijski sud u Zagrebu prvi put u Hrvatskoj potvrdio 20. srpnja 2021. presudom Gž-1368/21 pravomoćnost presude Općinskog građanskog suda u Zagrebu i time je utvrdio za dva ugovora o kreditu ništetnost ulazne naknade za obradu kredita.
Ujedno je suđena tom presudom i ništetnost izlazne naknade za prijevremenu otplatu, za što postoji, istaknuli su, već dosta stabilna sudska praksa u Hrvatskoj.
Presudu je donijelo vijeće u sastavu sutkinja Andrine Raspor Flis, Željke Rožić Kaleb i Ane Gradišek, dok je prvostupanjsku presudu donijela sutkinja Ksenija Šimić. Tužitelja je zastupao splitski odvjetnik Vlaho Duplančić.
“Kuriozitet te presude jest da je to jedna od rijetkih presuda protiv Hrvatske poštanske banke, za koju dosad nismo niti znali da je ugovarala nepoštene ugovorne odredbe”, navode u Udruzi Franak.
Kako su pojasnili, razlozi utvrđenja ništetnosti ulazne naknade u obrazloženju presude su sljedeći:
- HPB nije dokazao da se o toj odredbi pojedinačno pregovaralo
- radi se o standardnoj odnosno tipskoj ugovornoj odredbi
- u ugovoru nije navedeno od čega se sastoji ulazna naknada u iznosu 3 posto
- takva ugovorna odredba uzrokovala je neravnotežu obveza na štetu potrošača
- zbog svih navedenih razloga ugovorena ulazna naknada je ništetna ugovorna odredba.
“Budući da su banke u većini ugovora o kreditu ugovarale ulazne naknade od 1 posto do 3 posto iznosa kredita, procjenjujemo ugrubo da su banke dužne potrošačima zajedno sa zateznim kamatama oko milijardu kuna nezakonito naplaćenih ulaznih naknada”, ističu u Udruzi Franak.
Naveli su također kako se na temelju dosadašnje pravomoćne sudske prakse u Hrvatskoj može zaključiti da imamo sljedeća sudska utvrđenja:
1. Ništetnost valutne klauzule CHF i ništetnost promjenjivih kamatnih stopa, potvrđeno revizijama i ustavnosudski.
2. Ništetnost izlaznih naknada za prijevremenu otplatu kredita, pravomoćno potvrđeno nekoliko desetaka puta i zaključeno na sjednici Građanskog odjela Vrhovnog suda.
3. Ništetnost ulaznih naknada za obradu kredita, pravomoćno utvrđeno zasad jednom presudom.
4. Ništetnost cijelog ugovora s valutnom klauzulom CHF, prema našim spoznajama dvaput pravomoćno utvrđeno.
“To znači da Vrhovni sud mora zauzeti konačno stajalište o točkama 3. i 4., i to što prije, jer se radi o sustavnim propustima banaka za koje su moguće mnogobrojne tužbe potrošača koji moraju imati pravnu sigurnost za svoje tužbe” istaknuli su u priopćenju.
Iz Udruge Franak informiraju i kako je nedavno i Vrhovni sud u Italiji konačno utvrdio ništetnost valutne klauzule CHF za potrošačke ugovore o kreditu britanske banke Barclays, jedne od najvećih banaka u Italiji.
Ujedno su najavili kako 2. rujna s početkom u 10 sati Vrhovni sud u Poljskoj počinje sjednicu na kojoj će odlučiti o ništetnosti CHF ugovora u Poljskoj.
“Imamo saznanja da je financijski pravobranitelj na pitanje Vrhovnog suda o tome već dao mišljenje kojim je ustvrdio da takvi ugovori u Poljskoj jesu ništetni, jer je takav stav Suda EU, i jer se radi o glavnom predmetu ugovora koji nema mogućnosti zamjene zakonskom alternativnom odredbom.
Nakon radosnih vijesti iz Italije, očekujemo danas i radosne vijesti iz Poljske! Pozivamo ujedno Vrhovni sud RH da hitno odluči o revizijama u kojima se postavlja pitanje ništetnosti CHF ugovora”, poručuju iz Udruge Franak.
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15. svibanj 2024 12:41
