{"id":6983,"date":"2015-05-14T14:27:21","date_gmt":"2015-05-14T13:27:21","guid":{"rendered":"http:\/\/www.bilten.org\/?p=6983"},"modified":"2015-05-14T14:30:54","modified_gmt":"2015-05-14T13:30:54","slug":"frankova-pirova-pobjeda","status":"publish","type":"post","link":"https:\/\/www.bilten.org\/?p=6983","title":{"rendered":"Frankova pirova pobjeda"},"content":{"rendered":"

Vrhovni sud Republike Hrvatske utvrdio je<\/a> da su u udru\u017eenim tu\u017ebama gra\u0111ana tu\u017eene banke povrijedile kolektivne interese i prava potro\u0161a\u010da, zaklju\u010duju\u0107i ugovore o kreditima s ni\u0161tetnim i nepo\u0161tenim ugovornim odredbama o potro\u0161a\u010dkom kreditiranju. Banke nisu u skladu sa zakonom gra\u0111ane pravovremeno informirale o svim posljedicama koje nosi kredit u \u0161vicarskim francima prije zaklju\u010divanja ugovora te su time prekr\u0161ile Zakon o za\u0161titi potro\u0161a\u010da. Neinformiranje gra\u0111ana kao posljedicu imalo je “neravnote\u017eu u pravima i obvezama ugovornih strana” \u0161to zakonom nije dopu\u0161teno.<\/p>\n

Vrhovni sud priznao je du\u017enicima sa kreditima u \u0161vicarskim francima da je promjenjiva kamatna stopa tih kredita nezakonita, no kako bi ostvarili povrat sredstava, du\u017enici \u0107e morati podnijeti privatne tu\u017ebe na op\u0107inskim sudovima. Prema mi\u0161ljenju Vrhovnog suda, valutna klauzula je zakonita odredba, no jednostrano promjenjiva kamatna stopa nije. Posljedica promjenjive kamatne stope bio je porast rata kredita, a kod nekih du\u017enika i vi\u0161e od sto posto, u odnosu iznos u trenutku podizanja kredita.<\/p>\n

Udruga Franak nezadovoljna je odlukom Vrhovnog suda koji je potvrdio drugostupanjsku presudu Visokog trgova\u010dkog jer se tim odlukama bankama ni\u0161ta ne nala\u017ee, odnosno banke prolaze bez sankcija, \u0161to za gra\u0111ane zna\u010di nove, pojedina\u010dne sporove sa bankama, izlo\u017eenost pravosu\u0111u, bitku sa daleko sna\u017enijim bankama koje imaju \u010ditave odjele pravnih slu\u017ebi, dok su gra\u0111ani financijski i psihofizi\u010dki iscrpljeni, pravno neobrazovani i u jasno slabijoj poziciji od banaka.<\/p>\n

U udruzi Franak i dalje smatraju da je valutna klauzula nezakonita te najavljuju nastavak borbe na Ustavnom sudu, prenosi Index<\/a>. Ako ni Ustavni sud ne sankcionira banke, Franak daljnje korake planira preuzeti na Europskom sudu pravde u Strasbourgu. Podsjetimo, prvu kolektivnu tu\u017ebu protiv 8 najve\u0107ih banaka koje posluju u Hrvatskoj pokrenula je Udruga Franak, tu\u017eiv\u0161i OTP, Zagreba\u010dku banku, Erste, PBZ, Raiffeisenbank, Hypo Alpe-Adria-bank, Splitsku banku te Volksbank.<\/p>\n","protected":false},"excerpt":{"rendered":"

Vrhovni sud Republike Hrvatske utvrdio je da su u udru\u017eenim tu\u017ebama gra\u0111ana tu\u017eene banke povrijedile kolektivne interese i prava potro\u0161a\u010da, zaklju\u010duju\u0107i ugovore o kreditima s ni\u0161tetnim i nepo\u0161tenim ugovornim odredbama o potro\u0161a\u010dkom kreditiranju. Banke nisu u skladu sa zakonom gra\u0111ane pravovremeno informirale o svim posljedicama koje nosi kredit u \u0161vicarskim francima prije zaklju\u010divanja ugovora te […]<\/p>\n","protected":false},"author":4,"featured_media":6984,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"theme":[],"country":[],"articleformat":[205],"coauthors":[16],"class_list":["post-6983","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","articleformat-vijest"],"_links":{"self":[{"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/posts\/6983","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6983"}],"version-history":[{"count":2,"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/posts\/6983\/revisions"}],"predecessor-version":[{"id":6986,"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/posts\/6983\/revisions\/6986"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/media\/6984"}],"wp:attachment":[{"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6983"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6983"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6983"},{"taxonomy":"theme","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftheme&post=6983"},{"taxonomy":"country","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcountry&post=6983"},{"taxonomy":"articleformat","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Farticleformat&post=6983"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcoauthors&post=6983"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}