SD Dojavi
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PREMIUM
stdClass Object ( [id] => 1251167 [title] => Poznati splitski odvjetnik: Korisnici kredita bili su u neravnopravnom odnosu prema bankama. Ovo mi moglo završiti na Sudu za ljudska prava u Strasbourgu! [alias] => poznati-splitski-odvjetnik-korisnici-kredita-bili-su-u-neravnopravnom-odnosu-prema-bankama-ovo-mi-moglo-zavrsiti-na-sudu-za-ljudska-prava-u-strasbourgu [catid] => 142 [published] => 1 [introtext] => [fulltext] =>

Pedeset pet tisuća obitelji koje su bile ili još jesu opterećene kreditom u švicarskim francima, dočekale su odluku Vrhovnog suda, no s njom, kako je poznato - nisu zadovoljni. Dobili su, naime, tek mrvice od onoga što su tražili jer umjesto cijelog preplaćenog iznosa kredita kojem su se nadali, dosuđene su im tek zatezne kamate na preplaćeni dio kredita koji im je banka utvrdila u konverziji.

Najavljuje se zato tužbe Ustavnom sudu, što znači daljnju pravnu borbu korisnika kredita u "švicarcima" koji drže da su grubo prevareni od strane banaka i da su, zbog "divljanja" tečaja franka, materijalno oštećeni što je u konačnici mnoge od njih odvelo u bankrot.  Do sada je oko petnaest tisuća ljudi zbog slučaja "švicarac" tužilo banke.   

Pobjeda banaka 

Dakle, svi oni koji su napravili konverziju kredita iz švicarskih franaka u euro, imaju pravo na povrat zateznih kamata koje su banke izračunale prilikom same konverzije u euro. I to je sve.

Presudu nam je komentirao poznati splitski odvjetnik Mišo Živaljić.  

- Suci Vrhovnog suda vodili su raspravu o različitim pravnim stajalištima koja su zauzeli u ovom predmetu i na kraju su se odlučili za srednje rješenje, no ono ide ipak više u korist bankama, a manje građanima koji su koristili kredite u francima. Odlučeno je da se isplate samo zatezne kamate korisnicima kredita u francima od trenutka kad je došlo do konverzije tih kredita iz švicarskog franka u eure, čime podnositelji tužbi nisu zadovoljni. Oni su očekivali da će Vrhovni sud utvrditi kako je cijeli pravni posao oko konverzije kredita u francima u euro ništetan, stoga bi im morao biti vraćen znatno veći iznos, odnosno kamate na cjelokupni iznos kredita, a ne samo utvrđena razlika - kaže odvjetnik Živaljić.

Divljanje tečaja

Naš je sugovornik uvjeren da će Ustavni sud uzeti u razmatranje tužbe korisnika kredita u francima prvenstveno zato jer su oni, u ovom ugovornom odnosu, bili slabija strana što znači da su u odnosu na banke dovedeni u neravnopravan položaj.

- Kad se odlučivalo o valutnoj klauzuli i rizicima fluktuiranja tečaja švicarskog franka, nitko od korisnika kredita nije pozivan na konzultacije u vezi tih bitnih odluka koje su se prije svega ticale njih samih. Na taj su način dovedeni pred gotov čin. Sve se, dakle, događalo mimo njihove kontrole: i "divljanje" franka i dogovaranje konverzije kredita u francima u eurske, stoga će Ustavni sud sigurno razmatrati te tužbe, a kakvi će odluku donijeti to nitko ne zna - veli Živaljić i dodaje da će se pravna bitka nastaviti možda i do Suda za ljudska prava u Strasbourgu.

- Da je Vrhovni sud drukčije odlučio, tužitelji bi imali pravo na nadoknadu parničnih troškova, a ovako im samo pripadaju iznosi za zatezne kamate koji teku od trenutka konverzije. Nije utvrđena ništetnost cijeloga pravnog posla i zato su banke bolje prošle u odnosu na korisnike kredita koji se smatraju oštećenima - tumači Živaljić.    

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Ovo mi moglo završiti na Sudu za ljudska prava u Strasbourgu! 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Pedeset pet tisuća obitelji koje su bile ili još jesu opterećene kreditom u švicarskim francima, dočekale su odluku Vrhovnog suda, no s njom, kako je poznato - nisu zadovoljni. Dobili su, naime, tek mrvice od onoga što su tražili jer umjesto cijelog preplaćenog iznosa kredita kojem su se nadali, dosuđene su im tek zatezne kamate na preplaćeni dio kredita koji im je banka utvrdila u konverziji.

Najavljuje se zato tužbe Ustavnom sudu, što znači daljnju pravnu borbu korisnika kredita u "švicarcima" koji drže da su grubo prevareni od strane banaka i da su, zbog "divljanja" tečaja franka, materijalno oštećeni što je u konačnici mnoge od njih odvelo u bankrot.  Do sada je oko petnaest tisuća ljudi zbog slučaja "švicarac" tužilo banke.   

Pobjeda banaka 

Dakle, svi oni koji su napravili konverziju kredita iz švicarskih franaka u euro, imaju pravo na povrat zateznih kamata koje su banke izračunale prilikom same konverzije u euro. I to je sve.

Presudu nam je komentirao poznati splitski odvjetnik Mišo Živaljić.  

- Suci Vrhovnog suda vodili su raspravu o različitim pravnim stajalištima koja su zauzeli u ovom predmetu i na kraju su se odlučili za srednje rješenje, no ono ide ipak više u korist bankama, a manje građanima koji su koristili kredite u francima. Odlučeno je da se isplate samo zatezne kamate korisnicima kredita u francima od trenutka kad je došlo do konverzije tih kredita iz švicarskog franka u eure, čime podnositelji tužbi nisu zadovoljni. Oni su očekivali da će Vrhovni sud utvrditi kako je cijeli pravni posao oko konverzije kredita u francima u euro ništetan, stoga bi im morao biti vraćen znatno veći iznos, odnosno kamate na cjelokupni iznos kredita, a ne samo utvrđena razlika - kaže odvjetnik Živaljić.

Divljanje tečaja

Naš je sugovornik uvjeren da će Ustavni sud uzeti u razmatranje tužbe korisnika kredita u francima prvenstveno zato jer su oni, u ovom ugovornom odnosu, bili slabija strana što znači da su u odnosu na banke dovedeni u neravnopravan položaj.

- Kad se odlučivalo o valutnoj klauzuli i rizicima fluktuiranja tečaja švicarskog franka, nitko od korisnika kredita nije pozivan na konzultacije u vezi tih bitnih odluka koje su se prije svega ticale njih samih. Na taj su način dovedeni pred gotov čin. Sve se, dakle, događalo mimo njihove kontrole: i "divljanje" franka i dogovaranje konverzije kredita u francima u eurske, stoga će Ustavni sud sigurno razmatrati te tužbe, a kakvi će odluku donijeti to nitko ne zna - veli Živaljić i dodaje da će se pravna bitka nastaviti možda i do Suda za ljudska prava u Strasbourgu.

- Da je Vrhovni sud drukčije odlučio, tužitelji bi imali pravo na nadoknadu parničnih troškova, a ovako im samo pripadaju iznosi za zatezne kamate koji teku od trenutka konverzije. Nije utvrđena ništetnost cijeloga pravnog posla i zato su banke bolje prošle u odnosu na korisnike kredita koji se smatraju oštećenima - tumači Živaljić.    

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Damjan Tadić/Cropix
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Hrvatskaslučaj ‘švicarac‘

Poznati splitski odvjetnik: Korisnici kredita bili su u neravnopravnom odnosu prema bankama. Ovo mi moglo završiti na Sudu za ljudska prava u Strasbourgu!

Piše Saša Ljubičić
23. prosinca 2022. - 08:54
24024070
PREMIUM
Damjan Tadić/Cropix

Pedeset pet tisuća obitelji koje su bile ili još jesu opterećene kreditom u švicarskim francima, dočekale su odluku Vrhovnog suda, no s njom, kako je poznato - nisu zadovoljni. Dobili su, naime, tek mrvice od onoga što su tražili jer umjesto cijelog preplaćenog iznosa kredita kojem su se nadali, dosuđene su im tek zatezne kamate na preplaćeni dio kredita koji im je banka utvrdila u konverziji.

Najavljuje se zato tužbe Ustavnom sudu, što znači daljnju pravnu borbu korisnika kredita u "švicarcima" koji drže da su grubo prevareni od strane banaka i da su, zbog "divljanja" tečaja franka, materijalno oštećeni što je u konačnici mnoge od njih odvelo u bankrot.  Do sada je oko petnaest tisuća ljudi zbog slučaja "švicarac" tužilo banke.   

Pobjeda banaka 

Dakle, svi...

#KREDITI U ŠVICARCIMA#UDRUGA FRANAK#MIŠO ŽIVALJIĆ
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22. svibanj 2024 10:40