{"id":79077,"date":"2019-04-14T07:44:12","date_gmt":"2019-04-14T05:44:12","guid":{"rendered":"https:\/\/likemetkovic.hr\/?p=79077"},"modified":"2019-04-14T07:44:12","modified_gmt":"2019-04-14T05:44:12","slug":"tuzila-banku-zbog-nezakonite-valutne-klauzule-auto-kredita-moraju-joj-vratiti-novce","status":"publish","type":"post","link":"https:\/\/likemetkovic.hr\/portal\/tuzila-banku-zbog-nezakonite-valutne-klauzule-auto-kredita-moraju-joj-vratiti-novce\/","title":{"rendered":"Tu\u017eila banku zbog nezakonite valutne klauzule auto-kredita, moraju joj vratiti novce!"},"content":{"rendered":"<p>Prvu presudu nakon<em> povijesnog<\/em> rje\u0161enja Vrhovnog suda u slu\u010daju \u0161vicarskog franka od prije 10-ak dana donio je Op\u0107inski sud u \u0110akovu, odnosno njegova ispostava u Na\u0161icama, i to u korist potro\u0161a\u010da. Nalo\u017eio je<strong> Zagreba\u010dkoj banci da klijentici isplati 7009 kuna, zajedno s pripadaju\u0107om zateznom kamatom<\/strong>, zbog toga \u0161to valutnu klauzulu nije ugovorila u skladu sa zakonom. Banka mora platiti i <strong>parni\u010dni tro\u0161ak<\/strong> od 6528 kuna.<\/p>\n<p>Tu\u017eiteljica\u00a0Anica Herman\u00a0iz \u0110ur\u0111enovca tu\u017eila je banku, prvo zbog nezakonite promjene kamatne stope, a potom i zbog ni\u0161tetne odredbe koja se odnosi na valutnu klauzulu. Kako je navela u tu\u017ebenom zahtjevu, njen suprug je 2006. godine<strong> sklopio s bankom kredit za kupnju motornog vozila<\/strong> u iznosu od 11.257 \u0161vicarskih franaka, pi\u0161e\u00a0<a href=\"https:\/\/www.jutarnji.hr\/vijesti\/hrvatska\/prva-presuda-nakon-povijesne-odluke-vrhovnog-suda-u-slucaju-franak-za-otplaceni-auto-kredit-banka-mora-vratiti-iznos-uzet-na-promjenama-tecaja\/8730113\/\" target=\"_blank\" rel=\"noopener noreferrer\">Jutarnji list.<\/a><\/p>\n<p>Pritom se poziva na pro\u0161logodi\u0161nju pravomo\u0107nu presudu Visokog trgova\u010dkog suda o povredi kolektivnih interesa prava potro\u0161a\u010da korisnika kredita. U njoj se navodi da banke nisu u cijelosti informirale potro\u0161a\u010de o rizicima valutne klauzule, odnosno <em>o svim potrebnim parametrima bitnim za dono\u0161enje valjane odluke utemeljene na potpunoj obavijesti<\/em>, te da su <strong><em>jednostrano mijenjale promjenjive kamate stope<\/em><\/strong>, odnosno da se nije pojedina\u010dno pregovaralo.<\/p>\n<div class=\"bannerInArticle banerWrap emptyBanner adexElement\">\n<div id=\"beacon_f6659df20d\">U svom posljednjem rje\u0161enju Vrhovni sud je kazao da <strong>potro\u0161a\u010di imaju pravo utvr\u0111ivati ni\u0161tetnost ugovornih odredbi<\/strong>, neovisno o tome jesu li prihvatili konverziju. No, pritom je op\u0107inskim i \u017eupanijskim sudovima ostavio da sami utvr\u0111uju jesu li odredbe ni\u0161tetne ili ne. Ovaj slu\u010daj Op\u0107inskog suda iz \u0110akova nije zahva\u0107en Zakonom o konverziji, ali je ipak indikativan u smislu na\u010dina na koji ni\u017ei sudovi utvr\u0111uju ni\u0161tetnost ugovornih odredbi.<\/div>\n<\/div>\n<h4>Vje\u0161ta\u010denje<\/h4>\n<p>U presudi se navodi kako je sud izveo dokaz financijsko-knjigovodstvenim vje\u0161ta\u010denjem, pri \u010demu je vje\u0161taku nalo\u017eeno da utvrdi koliko bi iznosio mjese\u010dni anuitet da je banka primijenila po\u010detni te\u010daj i po\u010detno ugovorenu kamatnu stopu. Drugim rije\u010dima, sud nezakonitom smatra svaku promjenu u odnosu na po\u010detne uvjete iz ugovora.<\/p>\n<p>Na kraju je utvrdio da je do 1. studenog 2008.<strong><em> razlika bila \u010dak u korist tu\u017eiteljice<\/em><\/strong> jer je te\u010daj \u0161vicarskog franka bio manji od po\u010detno ugovorenog. Nakon toga je te\u010daj rastao, sve do jednokratne otplate kredita u sije\u010dnju 2012.<\/p>\n<p>Kad se izvr\u0161i prijeboj iznosa koji su bili na \u0161tetu tu\u017eiteljice, a to je ukupno 7738 kuna, s iznosom koji je bio u njenu korist, tj. 728 kuna, proizlazi da je po ugovoru za autokredit zbog te\u010dajne razlike platila ve\u0107i iznos od 7009 kuna. Sud je istodobno izra\u010dunao i koliko iznose prepla\u0107ene kamate zbog jednostrane promjene banke, a to je 1137 kuna.<\/p>\n<p>No, tu\u017eiteljica je izjavila da ne potra\u017euje iznos koji se odnosi na prepla\u0107ene kamate, a razlog je, \u010dini se, \u010dinjenica \u0161to je zbog njih ve\u0107 ranije pokrenula sudski postupak. Ve\u0107ina presuda dosad odnosila se na promjenu kamatne stope, pa se mo\u017ee re\u0107i da je ovo jedna od prvih koje se odnose na valutnu klauzulu. No, na presudu Visokog trgova\u010dkog suda iz lipnja lani, koja se odnosi na valutnu klauzulu, banke su podnijele \u017ealbu i postoji mogu\u0107nost da bude preina\u010dena. Stoga je jo\u0161 uvijek mali broj tu\u017ebi zbog nezakonito ugovorene valutne klauzule.<\/p>\n<h4>Za\u0161tita potro\u0161a\u010da<\/h4>\n<p>Iako pravnici na razli\u010dite na\u010dine i\u0161\u010ditavaju posljednje rje\u0161enje Vrhovnog suda, a to zna\u010di da bi ni\u017ei sudovi mogli i dalje suditi razli\u010dito u istim i sli\u010dnim slu\u010dajevima, mogu se \u010duti i informacije da je ono ohrabrilo suce u smjeru za\u0161tite prava potro\u0161a\u010da i da su po\u010deli ubrzano pisati presude.<\/p>\n<p>Op\u0107inski sud u \u0110akovu navodi da je zahtjev tu\u017eiteljice u cijelosti osnovan. Dodaje da je ugovorna odredba kojom se glavnica ve\u017ee za CHF prosje\u010dnom potro\u0161a\u010du \u201cnerazumljiva i nepo\u0161tena, pa prema tome ni\u0161tetna, jer su banke prije i u vrijeme zaklju\u010divanja ugovora propustile informirati potro\u0161a\u010de o nekoliko \u010dinjenica, i to o op\u0107em riziku vezanom uz svaku valutnu klauzulu\u201d. Na ovu presudu, o\u010dekivati je, banka \u0107e se \u017ealiti.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Prvu presudu nakon povijesnog rje\u0161enja Vrhovnog suda u slu\u010daju \u0161vicarskog franka od prije 10-ak dana donio je Op\u0107inski sud u \u0110akovu, odnosno njegova ispostava u Na\u0161icama, i to u korist potro\u0161a\u010da. Nalo\u017eio je Zagreba\u010dkoj banci da klijentici isplati 7009 kuna, zajedno s pripadaju\u0107om zateznom kamatom, zbog toga \u0161to valutnu klauzulu nije ugovorila u skladu sa [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":79078,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[296,1026],"tags":[5019,5020],"class_list":{"0":"post-79077","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ab","8":"category-vijesti","9":"tag-kredit","10":"tag-svicarski-franak"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tu\u017eila banku zbog nezakonite valutne klauzule auto-kredita, moraju joj vratiti novce! - likemetkovic.hr<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/likemetkovic.hr\/tuzila-banku-zbog-nezakonite-valutne-klauzule-auto-kredita-moraju-joj-vratiti-novce\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tu\u017eila banku zbog nezakonite valutne klauzule auto-kredita, moraju joj vratiti novce! - likemetkovic.hr\" \/>\n<meta property=\"og:description\" content=\"Prvu presudu nakon povijesnog rje\u0161enja Vrhovnog suda u slu\u010daju \u0161vicarskog franka od prije 10-ak dana donio je Op\u0107inski sud u \u0110akovu, odnosno njegova ispostava u Na\u0161icama, i to u korist potro\u0161a\u010da. Nalo\u017eio je Zagreba\u010dkoj banci da klijentici isplati 7009 kuna, zajedno s pripadaju\u0107om zateznom kamatom, zbog toga \u0161to valutnu klauzulu nije ugovorila u skladu sa [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/likemetkovic.hr\/tuzila-banku-zbog-nezakonite-valutne-klauzule-auto-kredita-moraju-joj-vratiti-novce\/\" \/>\n<meta property=\"og:site_name\" content=\"likemetkovic.hr\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/likemetkovic.hr\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-04-14T05:44:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/likemetkovic.hr\/wp-content\/uploads\/2019\/04\/05d79d7fc03262dcd4b09530ed47bef5.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"724\" \/>\n\t<meta property=\"og:image:height\" content=\"407\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"LIKEmetkovic.hr\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napisao\/la\" \/>\n\t<meta name=\"twitter:data1\" content=\"LIKEmetkovic.hr\" \/>\n\t<meta name=\"twitter:label2\" content=\"Procijenjeno vrijeme \u010ditanja\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/likemetkovic.hr\\\/tuzila-banku-zbog-nezakonite-valutne-klauzule-auto-kredita-moraju-joj-vratiti-novce\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/likemetkovic.hr\\\/tuzila-banku-zbog-nezakonite-valutne-klauzule-auto-kredita-moraju-joj-vratiti-novce\\\/\"},\"author\":{\"name\":\"LIKEmetkovic.hr\",\"@id\":\"https:\\\/\\\/likemetkovic.hr\\\/#\\\/schema\\\/person\\\/adba0fd43631b5fc581c97e6ca793693\"},\"headline\":\"Tu\u017eila banku zbog nezakonite valutne klauzule auto-kredita, moraju joj vratiti novce!\",\"datePublished\":\"2019-04-14T05:44:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/likemetkovic.hr\\\/tuzila-banku-zbog-nezakonite-valutne-klauzule-auto-kredita-moraju-joj-vratiti-novce\\\/\"},\"wordCount\":709,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/likemetkovic.hr\\\/tuzila-banku-zbog-nezakonite-valutne-klauzule-auto-kredita-moraju-joj-vratiti-novce\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/likemetkovic.hr\\\/portal\\\/wp-content\\\/uploads\\\/2019\\\/04\\\/05d79d7fc03262dcd4b09530ed47bef5.jpg\",\"keywords\":[\"kredit\",\"\u0161vicarski franak\"],\"articleSection\":[\"AB\",\"Vijesti\"],\"inLanguage\":\"hr\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/likemetkovic.hr\\\/tuzila-banku-zbog-nezakonite-valutne-klauzule-auto-kredita-moraju-joj-vratiti-novce\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/likemetkovic.hr\\\/tuzila-banku-zbog-nezakonite-valutne-klauzule-auto-kredita-moraju-joj-vratiti-novce\\\/\",\"url\":\"https:\\\/\\\/likemetkovic.hr\\\/tuzila-banku-zbog-nezakonite-valutne-klauzule-auto-kredita-moraju-joj-vratiti-novce\\\/\",\"name\":\"Tu\u017eila banku zbog nezakonite valutne klauzule auto-kredita, moraju joj vratiti novce! 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