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I C 284/20 AI generated

Court dismisses consumer claim that foreign currency clause violated good morals due to better loan terms.

Case Number I C 284/20
Court / Authority
Jurisdiction Poland (PL)
Decision Date
Outcome Dismissed
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The court dismissed the consumer's claim alleging a violation of good morals and disproportionate obligations due to a foreign currency loan clause. The plaintiff argued the clause caused unjustified economic imbalance, but the court found the foreign currency loan was significantly more favorable than the available złoty alternative at the time of signing. Consequently, the court ruled that no violation of good morals occurred because the consumer voluntarily accepted a clearly advantageous foreign currency option.

Legislator headnote

AI generated

Art. 351 ust. 1 k.c.; Art. 352 k.c.: A loan clause converting to a foreign currency does not violate good morals or create disproportionate obligations if the foreign currency loan was objectively more favorable than the domestic alternative available to the consumer at the time of contract formation.

Keywords

AI generated
good morals clause foreign currency loan disproportionate obligations consumer protection loan conversion unjust enrichment civil code

Cited Legislation

AI generated
Art. 351 ust. 1 k.c.
Art. 352 k.c.

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Full text

Nie można mówić o jakimkolwiek (a nie tylko rażącym) naruszeniu interesów, w tym ekonomicznych, konsumenta, jeżeli nawet klauzula naruszająca dobre obyczaje powodowała nieusprawiedliwioną dysproporcję praw i obowiązków banku i kredytobiorcy, w sytuacji, gdy kredyt waloryzowany lub denominowany do waluty obcej, w czasie zawierania umowy, był wyraźnie, jednoznacznie, finansowo znacznie korzystniejszy od kredytu złotowego, równie dostępnego kredytobiorcom.