TFL Vsebine / Revija Pravnik

11

V Sloveniji so banke sklepale take kreditne pogodbe z valutno klavzulo v švicarskih frankih (CHF), kot jih je zakon dopuščal oziroma zahteval. Pri sedanjem urejanju teh kreditov pa imamo težave z retroaktivnostjo in z načelom zaupanja v pravo, saj je pravo EU pojasnilno dolžnost opredelilo na splošno, Sodišče EU pa je za nazaj »po ovinkih« postavilo zelo natančna in stroga pravila pojasnilne dolžnosti, je bila ena od ključnih ugotovitev posveta pravnikov, ki je konec oktobra 2023 potekal na Bledu in o katerem piše avtor v prispevku. Večina bank v Sloveniji je izpolnila svojo pojasnilno dolžnost v skladu s takratno zakonodajo, če dodamo še vlogo notarja in izrecno opozorilo v kreditnih pogodbah, večina kreditnih pogodb v CHF v Sloveniji izpolnjuje pogoje oziroma odgovarja standardu, da te pogodbe ne vsebujejo nepoštenega pogoja. Nekaj, kar je bilo pred desetletjem povsem normalno, je danes nepošteno.

In Slovenia, banks once routinely concluded credit contracts with a currency clause in Swiss francs (CHF), as was either permitted or mandated by law. The current regulation of these credits presents challenges, both in terms of retroactivity and the principle of legal certainty, because EU law only generally defined the duty of explanation. However, the Court of Justice of the European Union has retroactively set very precise and strict rules regarding this duty. This was one of the key findings of the conference of lawyers held in Bled at the end of October 2023, which is the subject of this article. The majority of banks in Slovenia fulfilled their explanatory duty adhering to the then-current legislation. Furthermore, when considering the involvement of a notary and explicit warnings in the credit agreements, it is evident that the majority of CHF credit agreements in Slovenia either meet the conditions or meet the standard that these agreements do not contain unfair terms. Consequently, practices that were entirely normal a decade ago are now considered unfair.

What Was Completely Normal a Decade Ago Is Now Deemed “Unfair”