III SK 7/06
AI generated
Consumer credit contract mandatory clauses must be explicit, not referenced to banned model terms.
Poland (PL)
Legislator summary
AI generatedThe Supreme Court dismissed the bank's cassation appeal regarding a consumer credit contract dispute. The court held that mandatory clauses must be explicitly agreed upon in the contract rather than referenced to banned model terms. Consequently, the court ruled that using such terms violates consumer protection laws and collective interests.
Legislator headnote
AI generatedArt. 4 ust. 2 ustawy o kredycie konsumenckim; Art. 23a ust. 2 ustawy o ochronie konkurencji i konsumentów: Mandatory clauses in consumer credit contracts must be explicitly and comprehensively agreed upon in the contract itself, prohibiting reference to banned model terms which violate collective consumer interests.
Keywords
AI generated
consumer credit contract
mandatory clauses
banned model terms
collective consumer interests
explicit agreement requirement
jurisdictional clause validity
consumer protection law
Cited Legislation
AI generatedArt. 4 ust. 2 of the Consumer Credit Act of 20 July 2001
Art. 23a ust. 2 of the Competition and Consumer Protection Act
Art. 398 of the Code of Civil Procedure
art. 47943 k.p.c
art. 47945 § 2 k.p.c
art. 47945 k.p.c
art. 384 k.c
art. 3853 k.c
art. 3983 § 1 pkt 1 k.p
art. 365 § 1 k.p.c