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Vrhovni sud RH odbacivanjem revizije Revd-1013/21 potvrdio je 7. travnja 2021. da pravne osobe imaju jednako pravo na preplaćene kamate kao i fizičke osobe, izvijestili su iz Udruge Franak.

U priopćenju navode kako su ranije izvijestili javnost da je presudom i rješenjem Pž-5087/2017 od 23. srpnja 2020. sudačko vijeće Visokoga trgovačkog suda u sastavu Raoul Dubravec, Draženka Deladio i Josip Turkalj, preinačilo i ukinulo presudu Trgovačkog suda u Splitu, Stalne službe u Dubrovniku, te je utvrdilo za klijenta, ovoga puta pravnu osobu koju su zastupali splitski odvjetnici Srđan Kalebota i Mate Glibota, da je ništetna ugovorna odredba o promjenjivoj kamatnoj stopi koja se mijenja odlukom Addiko banke, u ugovoru o kreditu s valutnom klauzulom CHF ugovorenim s pravnom osobom Glumac-Export d.o.o. iz Dubrovnika. Također i da se ukida dio presude kojim je odbijen tužbeni zahtjev za isplatu na temelju ništetnosti i troškove postupka te da se postupak vraća na prvi stupanj radi utvrđenja preplaćenih iznosa kamata i pripadajućih zateznih kamata te radi utvrđenja sudskih troškova.

Addiko je, navode u Udruzi Franak, uložio reviziju na pravomoćnu presudu i rješenje, ali je Vrhovni sud 7. travnja 2021. odlukom Revd-1013/21 tu reviziju odbacio. Sudačko vijeće u sastavu Katarina Buljan, Slavko Pavković i Jadranko Jug odbacivanje revizije obrazložilo je na sljedeći način:

1. Pravna osoba ima pravni interes utvrđivati ništetnost odredbe o promjenjivoj kamatnoj stopi koja se mijenja odlukom banke i ne postoje pravomoćne ili revizijske presude koje bi bile suprotne tome stavu.

2. Sud koji je odlučio u konkretnom predmetu o ništetnosti ugovorne odredbe nije time intervenirao u zajedničku volju stranaka jer zajednička namjera stranaka nije bila da banka postupa nezakonito.

3. Odredba o promjeni kamatne stope odlukom banke neodrediva je kao jednostrana činidba jedne ugovorne strane, a parametri kamate nisu određivani od treće strane.

U Udruzi Franak nadalje podsjećaju kako je u konkretnom kreditu ugovorena fiksna kamatna marža od 4,25 posto kojoj se dodaje vrijednost tromjesečnog CHF Libora. Bio je to kredit od 319.000 CHF, gdje pravna osoba nema pravo na zaštitu utemeljenu na kolektivnoj presudi, ali zato ima pravo na zaštitu utemeljenu na obveznom pravu.

Prema preliminarnim izračunima Addiko zajedno sa zateznim kamatama duguje oko 30.500 CHF u kunskoj protuvrijednosti, dok zajedno sa zateznim kamatama duguje oko 400.000 kuna ili oko 30 posto vrijednosti realiziranog CHF kredita u kunama.

"Modus operandi Addiko banke, ali i drugih banaka bio je sljedeći: kada je promjenjivi parametar počeo padati prema nuli, uslijed čega je i kamatna stopa trebala padati, umjesto da kamatnu stopu smanjuju, banke bi kamatnu stopu zadržavale na početnim veličinama ili bi ih još i povećavale, što u konačnici vrlo zorno prikazuje nesavjesno, nemoralno, nezakonito i neustavno poslovanje banaka", pojašnjavaju u Udruzi Franak.

“Sve ono što je Udruga Franak dosad ukazivala, govorila i poručivala javnosti, pokazalo se ponovo u potpunosti točnim! Mi smo jedna od rijetkih organizacija u Republici Hrvatskoj kojoj se može vjerovati! Pozivamo sve pravne osobe koje su ugovorile ugovore o kreditu prije 2013. da se jave Udruzi Franak i saznaju tako imaju li pravo na tužbu radi vraćanja preplaćenih kamata, i to bez obzira na valutu kredita, jer kamate su nezakonito naplaćivane i u kunskim, i u euro, i u CHF kreditima, na adresu: franak.tuzbe@gmail.com”, poručuju iz Udruge Franak.

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Vrhovni sud RH odbacivanjem revizije Revd-1013/21 potvrdio je 7. travnja 2021. da pravne osobe imaju jednako pravo na preplaćene kamate kao i fizičke osobe, izvijestili su iz Udruge Franak.

U priopćenju navode kako su ranije izvijestili javnost da je presudom i rješenjem Pž-5087/2017 od 23. srpnja 2020. sudačko vijeće Visokoga trgovačkog suda u sastavu Raoul Dubravec, Draženka Deladio i Josip Turkalj, preinačilo i ukinulo presudu Trgovačkog suda u Splitu, Stalne službe u Dubrovniku, te je utvrdilo za klijenta, ovoga puta pravnu osobu koju su zastupali splitski odvjetnici Srđan Kalebota i Mate Glibota, da je ništetna ugovorna odredba o promjenjivoj kamatnoj stopi koja se mijenja odlukom Addiko banke, u ugovoru o kreditu s valutnom klauzulom CHF ugovorenim s pravnom osobom Glumac-Export d.o.o. iz Dubrovnika. Također i da se ukida dio presude kojim je odbijen tužbeni zahtjev za isplatu na temelju ništetnosti i troškove postupka te da se postupak vraća na prvi stupanj radi utvrđenja preplaćenih iznosa kamata i pripadajućih zateznih kamata te radi utvrđenja sudskih troškova.

Addiko je, navode u Udruzi Franak, uložio reviziju na pravomoćnu presudu i rješenje, ali je Vrhovni sud 7. travnja 2021. odlukom Revd-1013/21 tu reviziju odbacio. Sudačko vijeće u sastavu Katarina Buljan, Slavko Pavković i Jadranko Jug odbacivanje revizije obrazložilo je na sljedeći način:

1. Pravna osoba ima pravni interes utvrđivati ništetnost odredbe o promjenjivoj kamatnoj stopi koja se mijenja odlukom banke i ne postoje pravomoćne ili revizijske presude koje bi bile suprotne tome stavu.

2. Sud koji je odlučio u konkretnom predmetu o ništetnosti ugovorne odredbe nije time intervenirao u zajedničku volju stranaka jer zajednička namjera stranaka nije bila da banka postupa nezakonito.

3. Odredba o promjeni kamatne stope odlukom banke neodrediva je kao jednostrana činidba jedne ugovorne strane, a parametri kamate nisu određivani od treće strane.

U Udruzi Franak nadalje podsjećaju kako je u konkretnom kreditu ugovorena fiksna kamatna marža od 4,25 posto kojoj se dodaje vrijednost tromjesečnog CHF Libora. Bio je to kredit od 319.000 CHF, gdje pravna osoba nema pravo na zaštitu utemeljenu na kolektivnoj presudi, ali zato ima pravo na zaštitu utemeljenu na obveznom pravu.

Prema preliminarnim izračunima Addiko zajedno sa zateznim kamatama duguje oko 30.500 CHF u kunskoj protuvrijednosti, dok zajedno sa zateznim kamatama duguje oko 400.000 kuna ili oko 30 posto vrijednosti realiziranog CHF kredita u kunama.

"Modus operandi Addiko banke, ali i drugih banaka bio je sljedeći: kada je promjenjivi parametar počeo padati prema nuli, uslijed čega je i kamatna stopa trebala padati, umjesto da kamatnu stopu smanjuju, banke bi kamatnu stopu zadržavale na početnim veličinama ili bi ih još i povećavale, što u konačnici vrlo zorno prikazuje nesavjesno, nemoralno, nezakonito i neustavno poslovanje banaka", pojašnjavaju u Udruzi Franak.

“Sve ono što je Udruga Franak dosad ukazivala, govorila i poručivala javnosti, pokazalo se ponovo u potpunosti točnim! Mi smo jedna od rijetkih organizacija u Republici Hrvatskoj kojoj se može vjerovati! Pozivamo sve pravne osobe koje su ugovorile ugovore o kreditu prije 2013. da se jave Udruzi Franak i saznaju tako imaju li pravo na tužbu radi vraćanja preplaćenih kamata, i to bez obzira na valutu kredita, jer kamate su nezakonito naplaćivane i u kunskim, i u euro, i u CHF kreditima, na adresu: franak.tuzbe@gmail.com”, poručuju iz Udruge Franak.

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Damjan Tadić/Cropix
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StoryEditorOCM
BiznisUDRUGA FRANAK

Vrhovni sud RH potvrdio je da pravne osobe imaju pravo preplaćene kamate bez zastare potraživanja, jednako kao i potrošači

Piše Ljubica Vuko
14. rujna 2021. - 13:05
17301622
PREMIUM
Damjan Tadić/Cropix

Vrhovni sud RH odbacivanjem revizije Revd-1013/21 potvrdio je 7. travnja 2021. da pravne osobe imaju jednako pravo na preplaćene kamate kao i fizičke osobe, izvijestili su iz Udruge Franak.

U priopćenju navode kako su ranije izvijestili javnost da je presudom i rješenjem Pž-5087/2017 od 23. srpnja 2020. sudačko vijeće Visokoga trgovačkog suda u sastavu Raoul Dubravec, Draženka Deladio i Josip Turkalj, preinačilo i ukinulo presudu Trgovačkog suda u Splitu, Stalne službe u Dubrovniku, te je utvrdilo za klijenta, ovoga puta pravnu osobu koju su zastupali splitski odvjetnici Srđan Kalebota i Mate Glibota, da je ništetna ugovorna odredba o promjenjivoj kamatnoj stopi koja se mijenja odlukom Addiko banke, u ugovoru o kreditu s valutnom klauzulom CHF ugovorenim s pravnom osobom Glu...

#UDRUGA FRANAK#ADDIKO#VRHOVNI SUD RH
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14. svibanj 2024 00:48