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0031383 AI generated

Court dismisses claim of unjust enrichment when bank credits client account and offsets debt immediately.

Case Number 0031383
Court / Authority
Jurisdiction Portugal (PT)
Decision Date
Outcome Dismissed
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The Tribunal da Relação do Porto dismissed the appeal regarding a claim of unjust enrichment against a bank. The bank received cross-border funds for client payments, credited the client's account despite a clerical error in the beneficiary name, and immediately offset this credit against the client's outstanding debt. The court ruled that the bank's immediate offsetting of the credited funds against the existing debt negated the lack of legal cause required for unjust enrichment.

Legislator headnote

Official

ENRIQUECIMENTO SEM CAUSA

Keywords

AI generated
unjust enrichment banking operations immediate offset cross-border transfer pre-existing debt legal cause account compensation

Cited Legislation

AI generated
CCIV Art. 473, n.º 1
CCIV Art. 479

Cited Case Law

AI generated
AC STJ DE 1998/01/27 IN BMJ N473 PAG474

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Full text

[DATA DEC. RECORRIDA] 03/24/2000

[Nº CONVENCIONAL] JTRP00030605

[Nº DO DOCUMENTO] RP200101180031383

[PRIVACIDADE] 1

[PROCESSO NO TRIBUNAL RECORRIDO] 927/99-1S

[TEXTO INTEGRAL] N

[TRIBUNAL RECORRIDO] T CIV PORTO 1J

[URL] https://www.dgsi.pt/jtrp.nsf/56a6e7121657f91e80257cda00381fdf/405F40F034C4D3F080256A26004C2418?OpenDocument

SUMÁRIO

Existe enriquecimento sem causa se um banco, recebendo uma transferência transfronteiras para pagamento de fornecimentos efectuados, deposita na conta de uma sua cliente, indicada por manifesto lapso como beneficiária da transferência, o contravalor em escudos dos fundos remetidos e opera imediatamente a compensação do saldo devedor da conta da sua cliente com os fundos que creditou, reduzindo o seu crédito sobre ela.