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KKO 276/2026 Generato dall'IA

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

Numero d'incarto KKO 276/2026
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 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.

Regesto Legislator

Generato dall'IA

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.

Parole chiave

Generato dall'IA
consumer credit agreement delivery fee unfair contract terms excessive charges good faith principle fixed fee validity consumer protection law pagamento a contanti del saldo

Disposizioni normative citate

Generato dall'IA
Section 10 of the Consumer Credit Act 1998
Generato dall'IA
ECLI:FI:KKO:2025:49
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Testo completo

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.