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KKO 276/2026 KI-generiert

Supreme Court dismisses consumer loan claim for excessive delivery fee under unfair contract terms law.

Geschäftsnummer KKO 276/2026
Gericht / Behörde
Rechtsordnung Finnland (FI)
Entscheiddatum
Ausgang Abgewiesen (Dismissed)
Originalquelle öffnen Maschinenlesbares Markdown (.md)

Legislator-Zusammenfassung

KI-generiert

The Supreme Court dismissed the consumer's claim regarding the excessive delivery fee in a 3,000 euro unsecured loan. The court found that the 800 euro fee was not objectively excessive given the loan amount and the specific circumstances of the transaction. Consequently, the contractual term remained valid as it did not violate the principle of good faith or statutory limits on unfairness.

Legislator-Regeste

KI-generiert

Section 10 of the Consumer Credit Act 1998; Section 10 of the Consumer Credit Act 1998: A delivery fee in a consumer credit agreement is not considered excessive merely because it is a fixed sum, provided it reflects the actual costs incurred by the creditor and does not create a significant imbalance in the parties' rights and obligations.

Schlagwörter

KI-generiert
consumer credit agreement delivery fee unfair contract terms excessive charges good faith principle fixed fee validity consumer protection law Barauskauf

Zitierte Gesetzesbestimmungen

KI-generiert
Section 10 of the Consumer Credit Act 1998
KI-generiert
ECLI:FI:KKO:2025:49
Supreme Court dismisses unfair collection fee but allows default interest and collection costs despite disputed fee claims.
insurance_2015_2976-2014
Insurance court dismissed appeal; pension base salary defined by domestic equivalent per Employee Pension Act.
kko-precedent_2014_61
Supreme Court dismisses claim that indirect loss from delay is recoverable under standard terms limiting liability.
kko-precedent_2001_33
Supreme Court allows broker commission for post-agreement sale if buyer knew property during agency period.
kko-precedent_1994_40
Supreme Court allows tenant to recover damages for business competition and breach of good faith in lease termination.

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Volltext

A oli ottanut B Oy:ltä 25.3.2019 tehdyllä kuluttajaluottosopimuksella 3 000 euron

suuruisen vakuudettoman kertaluoton. Luottosopimuksessa oli sovittu 800 euron

suuruisesta toimituspalkkiosta. A ei ollut maksanut velkaa takaisin sovitun

mukaisesti.

Kysymys toimituspalkkioehdon kohtuuttomuudesta.