Inne materiały

Unfair Contract Terms Directive, Article 3

Decyzja Prezesa Urzędu Ochrony Konkurencji i Konsumentów nr DOZIK-15/2019.

Prezes Urzędu Ochrony Konkurencji i Konsumentów.

The provisions of credit agreements used by Getin Noble Bank have been deemed unfair, as they have provided for the establishment of a foreign currency exchange rate in which the loan was denominated or indexed by the bank. The provisions allow the Bank to influence the number of benefits set out in the contracts. Exchange rates at which capital and interest instalments of loans are converted are determined each time in the exchange rate table prepared by the Bank, however the method of determining these rates is unclear and additionally depends on factors arbitrarily adopted by the Bank. This means that in the discussed case, the entrepreneur has been granted the unilateral possibility of determining the criteria affecting the number of consumer benefits.