Garanti Bank Si Clauzele Abuzive-Dispune Restituirea Sumei De 5000 Euro Cu Titlu De Sume Incasate In Mod Abuziv La Care Se Adauga Dobanda Legala-Avocat Cuculis
Diferenta de opinie intre instante este diametral opusa- Judecatoria respinge toata actiunea iar Tribunalul modifica in TOT hotararea si constata ca acele clauze contestate sunt abuzive.
Ora estimata: 13:00
Complet: C16-APEL
Tip solutie: Schimbat total
Solutia pe scurt: Admite apelul. Schimba in tot sentinta civila apelata in sensul ca Admite actiunea. Constata caracterul abuziv al urmatoarelor clauze din contractul de credit: -art 3 pct 3.1.5 lit b din conditiile generale, coraborat cu pct 10 din conditiile speciale si cu Anexa 11 pct 2-costurile creditului privind comisionul de acordare, precum si al clauzelor de la art 3 pct 3.1.5 lit c din conditiile generale, coraborat cu pct 11 partea a 2 a din conditiile speciale si cu Anexa 11 pct 2-costurile creditului, cu privire la comisionul de administrare. Dispune eliminarea acestor clauze din contract. Dispune restituirea sumelor de 447 Euro (comision de acordare) si de 4079,36 Euro ( comision de administrare). Obliga parata la plata dobanzii legale aferente acestor sume de la data introducerii actiunii si pana la data restituirii sumelor incasate in baza clauzelor abuzive. Definitiva Pronuntata in sedinta publica
Document: Hotarâre 1401/2017 05.04.2017
Solutia vine si schimba in integralitate decizia data pe fond in sensul ca actiunea in apel este admisa si toate clauzele contestate sunt considerate ca abuzive.
Parcursul dosarului a fost unui relativ linear avand in vedere ca instanta de fond in mod surprinzator a considerat ca NU exista clauze abuzive in contract iar pana la decizia din APEL am avut de facut demersuri suplimentare si anume calea de atac a apelului, unde instanta de apel a conseidarat ca toate clauzele contestate sunt abuzive!
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