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VII AGa 454/25 AI generated

Consumer credit clause invalidity does not extend to contracts between consumer and trader.

Case Number VII AGa 454/25
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 request to declare the credit contract void based on an abusive conversion clause. While such clauses invalidate consumer-to-consumer agreements, the court held this protection does not apply to contracts between a consumer and a trader. Consequently, the contract remains valid as the specific statutory safeguards for consumer-to-consumer transactions were not triggered.

Legislator headnote

AI generated

Art. 10 ust. 1 pkt 1 ustawy o ochronie konsumentów; Art. 381 ust. 1 k.c.: The invalidity of a conversion clause under consumer protection law does not extend to contracts concluded between a consumer and a trader.

Keywords

AI generated
consumer protection law abusive conversion clause contract invalidity consumer vs trader credit contract validity

Cited Legislation

AI generated
Art. 10 ust. 1 pkt 1 ustawy o ochronie konsumentów
Art. 381 ust. 1 k.c.

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Full text

O ile w obrocie konsumenckim zastosowanie abuzywnej klauzuli przeliczeniowej prowadzi do nieważności umowy kredytu, o tyle takiego samego wniosku nie można wyprowadzić w zakresie umowy zawartej z przedsiębiorcą.