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KKO 68/2021 Generato dall'IA

Supreme Court dismisses debtor's claim against bank for improper set-off of security payments in bankruptcy proceedings.

Numero d'incarto KKO 68/2021
Autorità giudiziaria
Giurisdizione Finlandia (FI)
Data della decisione
Esito del giudizio Respinto (Dismissed)
Apri la fonte ufficiale Versione Markdown leggibile dalle macchine (.md)

Sintesi Legislator

Generato dall'IA

The Supreme Court dismissed the debtor company's claim against the bank for the improper set-off of security payments made to the enforcement officer. The debtor had secured a security interest by pledging assets against a bank guarantee, which the bank had already paid out to the enforcement authority after the debtor entered bankruptcy. The court ruled that the enforcement officer acted correctly in applying the bank's guarantee to the debt, rendering the debtor's demand for restitution or set-off without merit.

Regesto Legislator

Generato dall'IA

OK 7 luku 1 §; UK 3 luku 43 §; UK 46 §; UK 8 luku 3 §: When a bank guarantee is used to secure a security interest and the bank pays the enforcement authority, the debtor cannot claim restitution or set-off against the bank if the enforcement officer properly applied the guarantee to the secured debt.

Parole chiave

Generato dall'IA
bank guarantee set-off enforcement officer authority bankruptcy estate claim security interest priority improper restitution claim concorrenza apertura del fallimento applicazione delle regole di concorrenza

Disposizioni normative citate

Generato dall'IA
OK 7 luku 1 §
UK 3 luku 43 §
UK 46 §
UK 8 luku 3 §
Generato dall'IA
kko-precedent_1990_34
Supreme Court allows creditor's security claim in bankruptcy despite post-filing seizure attempt under specific security law provisions.
kko-precedent_1997_198
Supreme Court allows third-party payments to a bankrupt debtor's bank account to be clawed back as debt repayment.
kko-other_1995_710
Supreme Court allows recovery of guarantee payments from guarantor when bank releases guarantor's liability.
kko-precedent_2005_131
Supreme Court dismisses bank's claim to retain post-bankruptcy payments on pledged fur skins and receivables.
kko-precedent_1993_132
Supreme Court dismisses appeal where erroneous bank transfer to insolvent debtor cannot be recovered due to commingling.

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Testo completo

Käräjäoikeus oli velkojayhtiön hakemuksesta antanut turvaamistoimipäätöksen, jonka mukaan velallisyhtiön omaisuutta määrättiin pantavaksi takavarikkoon siten, että velkojayhtiön saatava tuli turvatuksi. Velallisyhtiö oli antanut takavarikon torjuntavakuudeksi pankin omavelkaisen takauksen ja antamansa pankkitakauksen vastasitoumuksen vakuudeksi pantannut omaisuuttaan. Pankki oli maksanut takaussumman ulosottoviraston virkavarojen tilille sen jälkeen, kun velallisyhtiö oli asetettu konkurssiin.

Korkeimman oikeuden ratkaisusta ilmenevillä perusteilla katsottiin, että ulosottomies ei ollut menetellyt virheellisesti päättäessään tilittää pankin takauksensa perusteella maksamat varat velkojayhtiölle ja että velallisyhtiön konkurssipesän vaatimus pankin maksun tilittämisestä konkurssipesälle tai palauttamisesta pankille oli perusteeton.

OK 7 luku 1 §

UK 3 luku 43 §

UK 46 §

UK 8 luku 3 §