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EN
The loan agreement is concluded for a definite period of time and that fact is not precluded by the absence of a fixed date of repayment of liabilities thereunder. The definite nature of the obligation is not tantamount to the parties’ determining a specific date. This article is aimed at demonstrating that the date of final payment of obligations under a loan agreement can be marked by a specific (future and certain) event consisting in the borrower’s repayment of their debt. This leads to the conclusion that long-term housing loans with a deferred payment of a part of the debt, as granted by PKO B.P. S.A. in the period 1997–1998, cannot be considered invalid solely on that basis. Also of importance for the assessment of the matter at hand are: the specificity of the financial market, the point of time when the loan agreement was concluded (high inflation), the then consumer protection paradigm, as well as the analysis of social and economic costs of banking operations.
Prawo Kanoniczne
|
2017
|
vol. 60
|
issue 1
23-33
EN
A hypothesis presented in can. 125 § 2 CIC concerning the impact of deceit on the validity of a legal act became the focus of attention of the author of the presented article. His analyses showed that out of all kinds of deceit only accidental deceit has legal effect described in can. 125 § 2 CIC. This is because for the injured party involved this form does not cause a substantial but an accidental error which does not limit the liberty of an individual to an extent which would result in the invalidity of an act. According to the author, the general rule codified in can. 125 § 2 CL is of great importance not only for theoretical-legal reasons but also because of the aspect of protection of the rights of an individual person. The legislator made it possible to rescind a valid legal act with a view to securing the rights of the injured party.
PL
W zaprezentowanym opracowaniu przedmiotem uwagi Autora stała się jedna z hipotez ujęta w kan. 125 § 2 KPK dotycząca wpływu podstępu na ważność aktu prawnego. Z przeprowadzonych analiz wynika, iż skutku prawnego określonego w kan. 125 § 2 KPK nie powoduje każda postać postępu, lecz jedynie podstęp akcydentalny. Ta forma bowiem u osoby doznającej podstępnego działania nie prowadzi do powstania błędu substancjalnego, lecz do powstania błędu akcydentalnego; ten zaś nie prowadzi do ograniczenia wolności decyzyjnej do tego stopnia, że stan ten powodowałby nieważność aktu. Według Autora, zasada generalna skodyfikowana w kan. 125 § 2 KPK posiada nie tyle ważkie znaczenie z punktu widzenia teoretycznoprawnego, ale z aspektu ochrony praw jednostki. Stworzona bowiem przez prawodawcę możliwość rozwiązania ważnego aktu wynika z tego, że pragnie on zapewnić ochronę interesów osoby poszkodowanej.
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