Legislator Case Law & Legislation
KKO 2461/1999 AI generated

Supreme Court dismisses bank's appeal regarding unauthorized credit card payment deduction from joint account funds.

Case Number KKO 2461/1999
Court / Authority
Jurisdiction Finland (FI)
Decision Date
Outcome Dismissed

Legislator summary

AI generated

The Supreme Court dismissed the bank's appeal, ruling that the deduction from the joint account was invalid. The bank had paid a check to A and used those funds to offset debts owed by A, but A's spouse B later claimed ownership of the funds. The court held that the bank lacked authority to deduct funds without B's consent, as the account was jointly owned.

Legislator headnote

AI generated

Section 10 of the Act on Credit Cards; Section 10 of the Act on Credit Cards: A bank cannot unilaterally deduct funds from a joint account to offset a debtor's debt without the consent of all account holders.

Keywords

AI generated
joint account ownership bank deduction authority unauthorized offset credit card liability spousal consent requirement

Cited Legislation

AI generated
Section 10 of the Act on Credit Cards
AI generated

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Full text

Pankki oli saamansa toimeksiannon mukaisesti perinyt A:lle maksettavaksi asetetun shekin ja sen jälkeen käyttänyt varat A:lta olevien saataviensa kuittaamiseen. A:n aviopuoliso B ilmoittautui varojen oikeaksi omistajaksi. Kysymys siitä, oliko kuittaus B:n kanteesta peräytettävä.