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Udruga Franak došla je u posjed još jedne pravomoćne presude, iz koje se vidi kako Addiko banka bivšem dužniku mora vratiti naplaćenu izlaznu naknadu u iznosu od oko 27.000 kuna za prijevremenu otplatu kredita uz pripadajuće zatezne kamate.
Addiko banka za prijevremenu otplatu kredita jednome dužniku naplatila je oko 27.000 kuna naknade, ali je dužnik tužio banku sa zahtjevom za vraćanje toga iznosa te je pravomoćno utvrđeno kako je dužnik u pravu, zbog čega banka taj iznos mora vratiti uz pripadajuću zateznu kamatu.
- Višekratno smo upozoravali da su izlazne naknade nezakonite, tražili smo tijekom procesa donošenja Zakona o stambenom potrošačkom kreditiranju od ministra financija da se to propiše zakonski za postojeće kredite, u kojima je naknada ugovorena, ali naši argumentirani zahtjevi nisu uvaženi. Očigledno, s takvom vlašću dužnicima ne preostaje ništa drugo, nego tužbenim zahtjevima vratiti nepošteno i nezakonito naplaćene naknade - stoji u priopćenju koje je objavila Udruga Franak.
Naime, Županijski sud u Splitu utvrdio je sljedeće:
- presuda je utemeljena na poznatoj pravomoćnoj presudi za vraćanje izlazne naknade Županijskoga suda u Vukovaru
- sud je utvrdio kako je ugovorena izlazna naknada nepoštena ugovorna odredba kao što je to propisano Zakonom o zaštiti potrošača, jer se o njoj nije pregovaralo te je ona uzrokovala, suprotno načelima savjesnosti i poštenja, neravnotežu prava i obveza na štetu potrošača
- zbog toga što se radi o nepoštenoj ugovornoj odredbi, ta je odredba ništetna
- zatezne kamate na dosuđeni iznos naplaćuju se na temelju članka 1115. ZOO, jer je Addiko banka u konkretnom slučaju nepošteni stjecatelj.
Iz Udruge Franak pitaju se koliko je još dokaza potrebno Ministarstvu financija i Vladi RH da zakonski zaustave sve buduće nezakonite naplate izlaznih naknada za prijevremenu otplatu kredita koje su ugovorene, ali se nisu smjele ugovarati jer je to suprotno i Zakonu o obveznim odnosima te Zakonu o zaštiti potrošača.
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[cleanTitle] => Banka mora vratiti bivšem dužniku oko 27.000 kuna i pripadajuće zatezne kamate: 'Upozoravali smo da je to nezakonito'
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Udruga Franak došla je u posjed još jedne pravomoćne presude, iz koje se vidi kako Addiko banka bivšem dužniku mora vratiti naplaćenu izlaznu naknadu u iznosu od oko 27.000 kuna za prijevremenu otplatu kredita uz pripadajuće zatezne kamate.
Addiko banka za prijevremenu otplatu kredita jednome dužniku naplatila je oko 27.000 kuna naknade, ali je dužnik tužio banku sa zahtjevom za vraćanje toga iznosa te je pravomoćno utvrđeno kako je dužnik u pravu, zbog čega banka taj iznos mora vratiti uz pripadajuću zateznu kamatu.
- Višekratno smo upozoravali da su izlazne naknade nezakonite, tražili smo tijekom procesa donošenja Zakona o stambenom potrošačkom kreditiranju od ministra financija da se to propiše zakonski za postojeće kredite, u kojima je naknada ugovorena, ali naši argumentirani zahtjevi nisu uvaženi. Očigledno, s takvom vlašću dužnicima ne preostaje ništa drugo, nego tužbenim zahtjevima vratiti nepošteno i nezakonito naplaćene naknade - stoji u priopćenju koje je objavila Udruga Franak.
Naime, Županijski sud u Splitu utvrdio je sljedeće:
- presuda je utemeljena na poznatoj pravomoćnoj presudi za vraćanje izlazne naknade Županijskoga suda u Vukovaru
- sud je utvrdio kako je ugovorena izlazna naknada nepoštena ugovorna odredba kao što je to propisano Zakonom o zaštiti potrošača, jer se o njoj nije pregovaralo te je ona uzrokovala, suprotno načelima savjesnosti i poštenja, neravnotežu prava i obveza na štetu potrošača
- zbog toga što se radi o nepoštenoj ugovornoj odredbi, ta je odredba ništetna
- zatezne kamate na dosuđeni iznos naplaćuju se na temelju članka 1115. ZOO, jer je Addiko banka u konkretnom slučaju nepošteni stjecatelj.
Iz Udruge Franak pitaju se koliko je još dokaza potrebno Ministarstvu financija i Vladi RH da zakonski zaustave sve buduće nezakonite naplate izlaznih naknada za prijevremenu otplatu kredita koje su ugovorene, ali se nisu smjele ugovarati jer je to suprotno i Zakonu o obveznim odnosima te Zakonu o zaštiti potrošača.
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18. svibanj 2024 19:39
