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Notes On Recognising Key Issues For Nfl

Postprzez crxnkqhbxlsb » Pt lip 19, 2013 07:52

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Dołączył(a): Pt lip 19, 2013 07:48
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Postprzez » Pt lip 19, 2013 07:52

 

Practical Advice On Speedy Strategies For Nfl

Postprzez crxnkqhbxlsb » Pt lip 19, 2013 08:00

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Notes On Efficient Systems Of Nfl

Postprzez crenszhhdlun » Pt sie 09, 2013 01:14

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Postprzez ZorryGard » N sie 11, 2013 04:36

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Postprzez biminurtume » Pt lis 01, 2013 17:56

Sądy w Hiszpanii i Chorwacji potwierdziły roszczenia zadłużonych we frankach. W Barcelonie przyznano, że kredyt gotowkowy mogą być traktowane jako narzędzia spekulacyjne. Za to w Zagrzebiu wytknięto bankom, że działały w złej wierze i nie informowały o ryzyku powiązanym ze zmianami kursu walut.

Nagłośnione w ostatnim czasie wyroki sądów Hiszpanii i Chorwacji, to nie pierwszy przypadek walki z kredyt gotowkowy we franku szwajcarskim. Już wcześniej świadome wprowadzanie klientów w błąd zarzucał bankom premier Węgier - Victor Orban, który jawnie twierdzi, że banki udzielające kredytów walutowych we frankach dopuściły się oszustwa. Co jednak stwierdziły sądy w Zagrzebiu i w Barcelonie?

Spekulacyjny charakter

Sąd pierwszej instancji w Barcelonie zdecydował się na unieważnienie umowy kredyt gotowkowy zawartej we frankach szwajcarskich. O ile wyrok potwierdzi decyzja sądu drugiej instancji, to skarżący bank kredytobiorca zwolniony zostanie z konieczności spłaty odsetek i różnic kursowych. Dojdzie tym samym do rozwiązania umowy kredytowej, a zadłużony będzie musiał spłacić wyłącznie wartość kapitału kredytu, czyli dokładnie tyle ile pożyczył od banku. Cała sprawa jest o tyle zaskakująca, ponieważ sąd potwierdzając roszczenia kredytobiorcy zadłużonego w walucie stwierdził, że udzielone mu zobowiązanie (pakiet inwestycyjno-kredytowy) posiada spekulacyjny charakter, jest produktem wysoko złożonym oraz przede wszystkim niedostosowanym do profilu ryzyka klienta.

Zaniechanie obowiązku informacyjnego podczas kredyt gotowkowy

Innego typu przypadek rozpatrywał za to sąd gospodarczy w stolicy Chorwacji - Zagrzebiu. Potwierdził przy tym zasadność pozwu zbiorowego, który wytoczony został bankom przez organizację prokonsumencką Potromak oraz Udruga Franak, czyli stowarzyszenie osób zadłużonych we franku szwajcarskim, kredyt gotowkowy.

Skarżący wytknęli bankom, że te udzielając kredyt gotowkowy nie informowały swoich klientów o zagrożeniu powiązanym ze zmianami kursu waluty, czyli tzw. ryzyku walutowym. Chorwacki sąd potwierdził, że udzielające kredyt gotowkowy banki nie działały w dobrej wierze, dlatego zostały zobligowane do przewalutowania kredytów z franków na chorwackie kuny. Nastąpić ma to przy tym nie po obecnym kursie wymiany, a po korzystniejszym kursie obowiązującym w dniu sygnowania umów kredyt gotowkowy.

Tylko czekać, aż z podobnymi roszczeniami względem kredyt gotowkowy udzielonych we frankach szwajcarskich, czyli z pozwami zbiorowymi przeciwko bankom, zgłoszą się polskie organizacje prokonsumenckie.
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