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I C 1731/20 AI generated

Indexed loan converted to PLN invalid due to EU ruling changing main subject matter.

Case Number I C 1731/20
Court / Authority
Jurisdiction Poland (PL)
Decision Date
Outcome Inadmissible
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The court declared the plaintiff's claim inadmissible, ruling that converting an indexed loan to a fixed PLN rate violates EU law. The plaintiff argued for the conversion to avoid indexation, but the court found this alters the contract's main subject matter. Consequently, the court applied the CJEU precedent to invalidate the agreement retroactively unless the consumer consents.

Legislator headnote

AI generated

Art. 6 ust. 1 k.r.s.; Art. 17 ust. 1 k.r.s.: A unilateral conversion of an indexed loan to a fixed PLN rate constitutes a change in the main subject matter of the contract, rendering the agreement void ab initio unless the consumer consents.

Keywords

AI generated
indexed loan conversion main subject matter CJEU precedent contract invalidity retroactive effect consumer consent fixed rate agreement

Cited Legislation

AI generated
Art. 6 ust. 1 k.r.s.
Art. 17 ust. 1 k.r.s.

Cited Case Law

AI generated
C-260/18

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Full text

w świetle wykładni dokonanej przez TSUE w sprawie C-260/18, nie jest już możliwe przekształcenie umowy kredytu indeksowanego w kredyt złotowy z pozostawieniem określonego w umowie oprocentowania, taka ingerencja prowadziłaby do zmiany głównego przedmiotu umowy - a skoro tak, to pozostaje (przy zastrzeżeniu decydującej o tym woli konsumenta) ustalenie nieważności umowy ze skutkiem wstecznym (ex tunc).