Buyer paid installment to finance company after debt transfer; court held buyer remains liable to original creditor.
Legislator summary
AI generatedThe Supreme Court ruled that the buyer remained liable to the original finance company for unpaid installments despite paying the seller. The buyer had initially paid the finance company after the debt was transferred to it, but later paid the remaining balance to the seller upon notification of the debt's return to the seller's own loan portfolio. The court determined that the buyer's obligation to the finance company was not extinguished by the subsequent payment to the seller, as the debt transfer did not automatically release the buyer from the original contractual duty.
Legislator headnote
AI generatedOsamaksusopimuslaki 1996:1100; Osamaksusopimuslaki 1996:1100 11 luku: If a debtor pays an installment to a finance company after a debt transfer notification, the payment does not release the debtor from the obligation to the finance company if the debt is subsequently returned to the original creditor's portfolio.
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AI generatedFull text
Osamaksusopimuksella myydyn auton ostaja maksoi ensimmäisen osamaksuerän rahoitusyhtiölle, joka oli ilmoittanut myyjän siirtäneen sille osamaksusopimukseen perustuvat saatavat ja vain sille suoritettujen maksujen tulevan osamaksusopimuksen velan lyhennykseksi. Saatuaan myöhemmin myyjältä ilmoituksen osamaksusopimuksen siirtymisestä myyjän omaan osamaksuluototukseen ostaja maksoi myyjälle osamaksuvelan loppuerät.
Kysymys siitä, vapautuiko ostaja osamaksuerien suoritusvelvollisuudesta rahoitusyhtiötä kohtaan.