Supreme Court allows consumer loan claim for 49% penalty interest when standard terms are deemed unreasonable and non-binding.
Sintesi Legislator
Generato dall'IAThe Supreme Court of Finland allowed the consumer's appeal regarding a 49% penalty interest rate on a loan principal. The lower courts had found the standard terms regarding loan costs to be unreasonable and non-binding for the consumer. The court ruled that the specific agreement for 49% penalty interest remained valid despite the invalidity of the general cost terms, establishing that the penalty clause was not automatically voided by the unreasonableness of the broader loan conditions.
Regesto Legislator
Generato dall'IAConsumer Credit Act 1998; Consumer Credit Act 1998: When standard terms are declared unreasonable and non-binding, specific contractual clauses like penalty interest rates may remain enforceable if they were separately agreed upon and not themselves unreasonable.
Parole chiave
Generato dall'IADisposizioni normative citate
Generato dall'IADecisioni correlate
Generato dall'IATesto completo
Kysymys siitä, oliko kuluttajaluoton pääomalle maksettava erikseen sovittua 49
prosentin suuruista viivästyskorkoa tilanteessa, jossa luoton luottokustannuksia
koskevat vakioehdot oli katsottu kohtuuttomiksi ja kuluttajaa sitomattomiksi.
Valituslupakortti sisältää kuvauksen siitä kysymyksestä, johon liittyen asiassa on
myönnetty valituslupa. Sen sisältö ei sido korkeinta oikeutta eikä rajoita asian
käsittelyä siltä osin kuin valituslupa on myönnetty.