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Nieuczciwe klauzule w umowach kredytowych w orzecznictwie Trybunału Sprawiedliwości Unii Europejskiej z lat 2010–2019

100%

Bednarek M.

Kwartalnik Prawa Prywatnego

2020

vol. 29

issue 1

47-97

This article analyses the judgments of the Court of Justice of the EU (CJEU) concerning Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts. In total, thirty judgments the CJEU delivered between 2010 and 2019 in the field of consumer loan and borrowing agreements (mainly loans in Swiss francs or loans indexed in this currency) were selected for analysis. In the given period, the Tribunal significantly expanded its case law on unfair terms in consumer contracts. In the article the author analyses the position of the CJEU with respect to the following issues: the durability of a loan agreement, the scope of possible ex officio powers, the scope of an admissible intervention of national courts in the content of a consumer agreement, the conditions for admissibility of replacing unfair contractual clauses with national provisions and the importance of pre-contractual information in the case of credit agreements. The manner in which the CJEU interpreted the concept of the main subject of the contract was examined as well. In the summary, the author commended the CJEU’s care for the uniformity of case-law and drew attention to the main public-law purpose of the Court’s activity, which is to ensure that the use of unfair contractual clauses in commercial transactions is abandoned. Further, the author noted that the limited knowledge of domestic legal orders constitutes a significant barrier to the efficient communication of the Court of Justice with national courts. This, in turn, imposes increased requirements on the referring courts as regards reliable and loyal cooperation with the Court.

Umowy dotyczące hipotecznych kredytów „walutowych” (tak zwanych frankowych) w „istotnych poglądach w sprawie” wydawanych przez Prezesa UOKiK

80%

Rajchemba Z.

Ekonomia. Wrocław Economic Review

2018

vol. 24

issue 1

57 - 77

The article discusses the institution of the “significant view in the matter” issued by the President of the Office of Competition and Consumer Protection in cases pending before common courts in the field of competition and consumer protection introduced in April 2016 to the Act on Competition and Consumer Protection (Article 31d of the Act). The first part of the article describes the nature of issued views and the premises enabling their issuance by the President of UOKiK. The second part of the article focuses on the views expressed by the President of UOKiK on cases pending before common courts regarding foreign currency loans (CHF loans) together with the main elements of justification and conclusions, proposals of adjudicating the case by the court. The study refers to important views on the issue of currency loans (CHF) issued by the President of UOKiK, published on the website of the office: www.uokik.gov.pl.

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1 Ekonomia. Wrocław Economic Review

1 Kwartalnik Prawa Prywatnego

1 2020

1 2018

1 Bednarek M.

1 Rajchemba Z.

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Nieuczciwe klauzule w umowach kredytowych w orzecznictwie Trybunału Sprawiedliwości Unii Europejskiej z lat 2010–2019

Umowy dotyczące hipotecznych kredytów „walutowych” (tak zwanych frankowych) w „istotnych poglądach w sprawie” wydawanych przez Prezesa UOKiK