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KKO 1540/2020 Generato dall'IA

Supreme Court bans consumer credit terms allowing late payment fees exceeding 182.5% annual interest.

Numero d'incarto KKO 1540/2020
Autorità giudiziaria
Giurisdizione Finlandia (FI)
Data della decisione
Esito del giudizio Accolto (Allowed)
Apri la fonte ufficiale Versione Markdown leggibile dalle macchine (.md)

Sintesi Legislator

Generato dall'IA

The Supreme Court ruled that specific consumer credit terms permitting late payment fees were unreasonably burdensome for consumers. The company argued these fees were standard contractual provisions, while the consumer advocate contended they violated fair trading principles. Consequently, the court prohibited the use of these excessive fee structures to protect consumer interests.

Regesto Legislator

Generato dall'IA

Kuluttajansuojalaki 3 luku 1 § 1 mom; Kuluttajansuojalaki 3 luku 2 § 1 mom: Terms allowing late payment fees exceeding 182.5% annual interest are deemed unreasonable and prohibited for consumer credit agreements.

Parole chiave

Generato dall'IA
consumer protection law unreasonable terms late payment fees consumer credit agreements excessive interest rates prohibition of unfair terms supreme court ruling capacità di obbligarsi in via cambiaria

Disposizioni normative citate

Generato dall'IA
Kuluttajansuojalaki 3 luku 1 § 1 mom
Kuluttajansuojalaki 3 luku 2 § 1 mom
Generato dall'IA
market_1999_18
Consumer court bans unfair contract term allowing phone company to charge extra for payment delays.
ECLI:FI:KKO:2024:58
Supreme Court ruled that optional express loan service fees are consumer credit costs exceeding statutory caps.
market_2020_497
Market Court suspends case to seek EU Court interpretation on consumer directive phone number pricing rules.
admin_1990_oulu-county__957
Administrative court dismissed interest claim against municipality for public law debt exceeding statutory rate.
kko-precedent_2016_49
Supreme Court dismisses ban on charging extra for paper invoices in telecom contracts.

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Testo completo

Yhtiö käytti kuluttajaluottoja tarjotessaan sopimusehtoa, jonka mukaan luoton eräpäivän siirtämisestä voitiin sopia luotonantajan ja kuluttajan välillä ennen eräpäivää. Kuluttajan tuli ehdon mukaan suorittaa eräpäivän siirtämisestä erillisestä hinnastosta ilmenevä maksu. Ehdon mukaiset maksut vastasivat määrältään vähintään 182,5 prosentin vuotuista korkoa.

Kuluttaja-asiamiehen hakemuksesta Korkein oikeus katsoi, että eräpäivän siirtämistä koskevat maksuehdot olivat kuluttajien kannalta kohtuuttomat ja määräsi yhtiölle kiellon käyttää mainittuja ehtoja.

KuluttajansuojaL 3 luku 1 § 1 mom KuluttajansuojaL 3 luku 2 § 1 mom