(Ne)enotna uporaba prava EU? Primerjalni pogled na uporabo meril za presojo preglednosti pogodbenih pogojev

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Povzetek: Članek primerja sodbe španskega, hrvaškega in slovenskega vrhovnega sodišča glede nepoštenosti pogoja o vračanju kredita v tuji valuti v potrošniških pogodbah. Podrobneje nas zanima, kako so sodišča držav članic v postopku ocenjevanja dejstev uporabila merila za ugotavljanje izpolnjevanja pojasnilne dolžnosti, ki jih je razvilo Sodišče EU z namenom zagotavljanja visokega standarda varstva potrošnikov, kot ga opredeljuje 38. člen Listine EU o temeljnih pravicah. Takšna primerjava je praktično relevantna v luči sodnih postopkov o kreditih v švicarskih frankih, ki trenutno v velikem številu potekajo pred nacionalnimi sodišči. Hkrati je pomembna z vidika širšega cilja enotne uporabe prava Unije, ker omogoča vpogled v uporabo evropskega prava na področju, ki je v Sloveniji relativno nerazvito in na katerem obstaja velik razkorak med normo in prakso, saj zadeva ob moč sodobnih finančnih korporacij in njihov središčni položaj v preseku gospodarskih in državnih (administrativno-politično-sodnih) omrežij. Ključne besede: pravo Evropske unije, nepošteni pogodbeni pogoji, krediti v švicarskih frankih, primerjalna analiza Title: (Non)Uniform Application of EU law? A Comparative View on the Application of the Requirement for Transparency of Contract Terms Abstract: The article compares the judgments of the Spanish, Croatian and Slovenian Supreme Courts regarding unfair terms in consumer contracts, which define the obligation to repay the loan in a foreign currency. We are particularly interested in how the supreme courts of various Member States applied the criteria developed by the Court of Justice of the European Union to assess whether banks provided consumers with sufficient information to allow them to conclude a contract with full knowledge, in compliance with the high standard of consumer protection as defined in Article 38 of the EU Charter of Fundamental Rights. Such a comparison is highly relevant in light of the Swiss franc loans proceedings currently taking place before national courts. At the same time, it is important from the point of view of the broader goal of uniform application of the Union law, because it provides insight into the application of the European law in an area that is relatively underdeveloped in Slovenia, and which has a large gap between the norm and practice, since it concerns the power of modern financial corporations and their central position at the intersection of economic and state (administrative-political-judicial) networks. Keywords: European Union law, unfair contract terms, Swiss franc loans, comparative analysis


 

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