Izbrani vidiki razlage Direktive 93/13 : od zastaranja do neupravičene obogatitve

slovenian

2026

volume 52, issue 3/4

consumer credits in foreign currency   EU law   good faith   status of consumer   unfair contractual terms   unjust enrichment   voidness

Narodna in univerzitetna knjižnica
(Obvezni izvod spletne publikacije)

The paper deals with newer case-law of the Court of Justice of the EU on consumer credit indexed in foreign currency. between 2020-2025. It analyses the issue of breach of good faith, as there is a distinction in that regard between the Directive 93/13 and the Slovenian Law on Consumer Protection. The difference between the main subject matter of the contract and other contractual terms is that currency and exchange risk clauses are the main subject matter of the contract. Voidndess results in unjust enrichment (condictio indebiti). In that regard, the consumer’s situation is straightforward and banks are limited in their claims for unjust enrichment, since tehy does not have the right to claim compensation from the consumer in excess of the repayment of the capital paid out to the consumer and where appropriate, the payment of default interest.

12.10.2026