Európai igazságügyi portál - Case Law
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MÁR ELÉRHETŐ A PORTÁL BÉTA VERZIÓJA!

Látogasson el az európai igazságügyi portál béta verziójának felületére, és mondja el nekünk, milyennek találja!

 
 

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Case Details

Case Details
National ID Fővárosi Ítélőtábla 5.Pf.22.061/2013/4. (BDT2013. 2945.)
Tagállam Magyarország
Common Name link
Decision type Court decision in appeal
Decision date 15/05/2014
Bíróság Fővárosi Ítélőtábla
Tárgy
Felperes Unknown
Alperes Unknown
Kulcsszavak credit agreement, good faith, unfair terms

Unfair Contract Terms Directive, Article 3, 1.

(1) When assessing whether a contractual term is unfair, the court must examine whether the use of such term results in an unfavourable status for the consumer as compared to the status in which the consumer would be pursuant to applicable laws.

(2) When assessing whether the imbalance in the parties’ rights and obligations was caused contrary to the requirement of good faith, the court must examine whether the trader - if acting in good faith - may have reasonably expected the consumer to accept such term during an individual negotiation.
The plaintiff concluded a consumer credit agreement in foreign currency with the defendants for the purpose of real estate construction. The plaintiff later contested several provisions of the contract, claiming that such provisions are considered unfair.

The first instance court mainly rejected the plaintiff's claims, except with respect to the contractual term enabling the defendants to apply different exchange rates to the advance of the loan and to its repayment. The first instance court held that such term is considered unlawful, because no actual exchange of currency occurs between the parties, thus using different exchange rates creates an unfair imbalance in the parties' rights and obligations arising out of the contract.

One of the defendants appealed the first instance judgement, but the second instance court upheld it with the same reasoning.
(1) What circumstances should the court examine when assessing whether a contractual term is unfair?

(2) What circumstances should the court examine when assessing whether the imbalance in the parties’ rights and obligations was caused contrary to the requirement of good faith?
The court held that applying different exchange rates to the advance of the loan and to its repayment when no actual exchange of currency occurs between the parties creates an unfair imbalance in the parties' rights and obligations arising out of the contract.
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The second instance court rejected the defendant's claims, and upheld the first instance judgement.