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KKO 301/1996 AI generated

Supreme Court allows partial payment protection claim when installment buyer sues finance company for unpaid balance.

Case Number KKO 301/1996
Court / Authority
Jurisdiction Finland (FI)
Decision Date
Outcome Allowed / Granted
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The Supreme Court allowed the installment buyer's claim for payment protection against the finance company. The buyer had paid the full vehicle price to the dealer, but the installment rights and associated protections had been transferred to the finance company. The court ruled that the buyer could still assert payment protection rights against the finance company despite the transfer of the installment agreement.

Legislator headnote

AI generated

Osamaksusopimuslaki 1994:1000; Osamaksusopimuslaki 1994:1000 10 luku: If the installment buyer has paid the full price to the seller, the buyer retains the right to claim payment protection from the finance company to which the installment rights were transferred.

Keywords

AI generated
installment sale protection finance company liability payment protection claim rights transfer consumer protection law

Cited Legislation

AI generated
Osamaksusopimuslaki 1994:1000

Cited Case Law

AI generated
KKO 1992:72
Supreme Court dismisses buyer's claim to be freed from installment debt by returning car to seller after transfer to financier.
AI generated
kko-other_1997_2285
Finland Supreme Court held that a finance company is not released from obligations when a car is returned to the dealer under a sales agreement.
kko-precedent_1994_29
Finnish Supreme Court denies good faith purchaser protection due to buyer's failure to verify seller's title.
kko-precedent_1996_79
Financing company denied payment due to seller's failure to notify them of contract rescission.
kko-precedent_1992_72
Supreme Court dismisses buyer's claim to be freed from installment debt by returning car to seller after transfer to financier.
kko-precedent_1997_154
Supreme Court dismisses embezzlement charge where defendant sold collateral car to third party before full payment secured by finance company.

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Full text

Osamaksuostaja oli suorittanut auton loppukauppahinnan myyjäliikkeelle, vaikka osamaksusopimus siihen liittyvine oikeuksineen oli siirtynyt rahoitusliikkeelle. Kysymys osamaksuostajan maksusuojasta rahoitusyhtiöön nähden. Ks. KKO:1992:72