TFL Vsebine / Revija Pravnik

3

Pred dvema letoma je Vrhovno sodišče Republike Slovenije povsem obrnilo svoj pogled na vprašanje kreditov v švicarskih frankih. Gre za popoln obrat od sodne prakse, ki jo je to sodišče enotno zagovarjalo pet let pred tem. V zadnjem času se glede sodne prakse ni zgodilo kaj bistvenega, se je pa medtem pojavil dvom v nepristranost nekaterih sodnikov. Razkrilo se je, da je bil eden od sodnikov tak, za katerega je mogoče vsaj izpodbijati videz nepristranosti. Na prvi pogled se zdi nenavadno, da lahko eno tako razkritje tako zelo grobo poseže v pričakovanja javnosti do sodstva in avtoriteto njihovega odločanja, toda zaupanje je zelo krhka dobrina. Predvsem pa nas tak dogodek sili v vnovičen premislek o argumentih za prej opisani, za avtorja še vedno nepojmljivi obrat sodne prakse. Prepričan je, da ima sodna praksa, kot jo je oblikovalo Vrhovno sodišče RS, svojo ceno: ne le v smislu negotovosti in upada zaupanja v pogodbeno pravo oziroma načelo pravne države, ki ga ogroža predvsem retroaktivno pravno urejanje, temveč tudi v smislu precej višjih cen kreditov za prihodnje kreditojemalce.

Two years ago, the Supreme Court of the Republic of Slovenia completely changed its position on loans denominated in Swiss francs—a total reversal of the case law that the court had unanimously upheld five years earlier. Although no significant changes have occurred in the intervening case law, doubts have meanwhile arisen regarding the impartiality of some judges. It emerged that one of them is a judge whose appearance of impartiality can legitimately be challenged. At first sight, it may seem odd that such a revelation can so seriously undermine public expectations of the judiciary and the authority of its decision-making, yet trust is an exceedingly fragile commodity. Above all, this episode compels us to re-examine the arguments for the previously described—and, to the author, still incomprehensible—reversal of case law. The author is convinced that the case law as formulated by the Supreme Court of the Republic of Slovenia carries a price: not only in the form of uncertainty and the erosion in confidence in contract law or the principle of the rule of law— principally threatened by retroactive legal regulation—but also in the form of demonstrably higher credit costs for future borrowers.

Victims and Winners of the Swiss Franc Loan Saga