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IX Ca 1131/20 AI generated

Court dismisses appeal; removing prohibited clauses prevents CHF loan indexed in PLN from functioning.

Case Number IX Ca 1131/20
Court / Authority
Jurisdiction Poland (PL)
Decision Date
Outcome Dismissed
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The court dismissed the appeal regarding a loan contract where prohibited clauses were removed. The plaintiff argued that the contract should remain valid despite these changes, while the defendant contended that the removal of valuation and exchange rate mechanisms rendered the loan unenforceable. The court ruled that without these specific mechanisms, the indexed loan in Polish Zlotys could no longer be defined or executed.

Legislator headnote

AI generated

Art. 385 ust. 1 k.c.; Art. 386 k.c.: The removal of mandatory valuation and exchange rate clauses from a foreign currency loan indexed in PLN renders the contract's core function impossible, thereby invalidating its continued binding force.

Keywords

AI generated
indexed loan validity foreign currency conversion contractual impossibility valuation mechanism removal loan contract enforcement

Cited Legislation

AI generated
Art. 385 ust. 1 k.c.
Art. 386 k.c.

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Full text

Po usunięciu postanowień niedozwolonych obowiązywanie w dalszym ciągu zawartej przez strony umowy kredytu nie jest możliwe. Wyłączenie mechanizmu waloryzacji i pominięcie odesłania do kursu kupna CHF czyni niemożliwym określenie podlegającej wypłacie w PLN kwoty kredytu udzielonego we CHF, tym samym odpada realizacja funkcji umowy o kredyt w złotych indeksowany do CHF.