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I ACa 901/22 AI generated

Currency clauses in consumer credit contracts are void if abusive and clearly defined, causing total contract failure.

Case Number I ACa 901/22
Court / Authority
Jurisdiction Poland (PL)
Decision Date
Outcome Allowed / Granted
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The court ruled that the consumer's request to exclude abusive currency clauses was valid, leading to the total invalidity of the loan agreement. The plaintiff argued that the specific exchange rate terms were unfair and unenforceable under consumer protection laws, while the defendant maintained the contract's validity. The court decided that when such clauses are clearly formulated and deemed abusive, their removal causes the entire contract to collapse.

Legislator headnote

AI generated

Ustawa o ochronie konsumentów w obrocie handlowym; Ustawa o kredycie konsumentów: When currency clauses in consumer credit contracts are clearly defined and deemed abusive, their exclusion renders the entire contract void.

Keywords

AI generated
consumer credit contracts abusive currency clauses total contract invalidity consumer protection law unfair terms exclusion

Cited Legislation

AI generated
Ustawa o ochronie konsumentów w obrocie handlowym
Ustawa o kredycie konsumentów

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Full text

7. Teza orzeczenia (): W sytuacji gdy, klauzule walutowe (stanowiące niedozwolone postanowienia w większości kredytów frankowych zawieranych z konsumentami) określają główne świadczenia stron, to gdy żąda uwzględnienia ich abuzywności konsument, a leży to w jego interesie i gdy zostały sformułowane w sposób jednoznaczny, ich wyłączenie z umowy powoduje jej upadek w całości w rezultacie nieważności umowy.