20.500.12556/RUL-186118 Pravne posledice nepoštenosti splošnih pogodbenih pogojev na primeru kreditnih pogodb v CHF (magistrsko diplomsko delo) Legal consequences of unfair contract terms in the case of CHF loan agreements Magistrska naloga obravnava pravne posledice ugotovitve nepoštenih pogodbenih pogojev na primeru potrošniških kreditnih pogodb v švicarskih frankih (CHF). Čeprav Direktiva Sveta 93/13/EGS določa, da nepošteni pogodbeni pogoji za potrošnika niso zavezujoči, večine pravnih posledic njihove nepoštenosti ne ureja. Njihova ureditev je zato prepuščena nacionalnim pravnim redom, pri čemer morajo države članice hkrati zagotoviti polni učinek Direktive in učinkovito varstvo potrošnikov. Naloga izhaja iz sodne prakse Sodišča Evropske unije in slovenskih sodišč ter analizira, kako ugotovitev nepoštenosti vpliva na nadaljnjo usodo kreditne pogodbe in medsebojna razmerja pogodbenih strank. Posebna pozornost je namenjena vprašanju, ali lahko pravne posledice, ki jih zahteva sodna praksa SEU, razlagamo skladno s slovensko zakonodajo oziroma kako je treba nacionalne institute razlagati, da se zagotovi učinkovitost Direktive. V tem okviru so obravnavana vprašanja posledic ničnosti, pogoji in možnost delne ničnosti pogodbe, restitucijskih zahtevkov, neupravičene obogatitve, zastaranja kondikcijskih zahtevkov ter učinkov ničnosti na hipotekarno zavarovanje, pri čemer so predstavljene tudi izbrane primerjalnopravne rešitve. This master's thesis examines the legal consequences of unfair contract terms in consumer loan agreements denominated in Swiss francs (CHF). Although Council Directive 93/13/EEC provides that unfair contract terms are not binding on consumers, it does not regulate most of the legal consequences arising from such unfairness. These issues are therefore left to the national legal systems of the Member States, which must ensure both the full effectiveness of the Directive and effective consumer protection. The thesis is based on the case law of the Court of Justice of the European Union and the Slovenian courts. It examines how the finding of an unfair contract term affects the future validity of a loan agreement and the legal relationship between the contracting parties. Particular attention is devoted to whether the legal consequences required by the case law of the Court of Justice of the European Union can be reconciled with Slovenian legislation, and to how the relevant national legal concepts should be interpreted to ensure the effectiveness of Directive 93/13/EEC. In this context, the thesis analyses the consequences of nullity, the requirements for and the possibility of partial nullity, restitution claims, unjust enrichment, limitation periods for restitution claims, and the effects of nullity on mortgage security. It also presents selected comparative legal solutions. nepošteni pogodbeni pogoji kreditne pogodbe v CHF Direktiva 93/13/EGS potrošniško pravo ničnost delna ničnost restitucija neupravičena obogatitev zastaranje skladna razlaga unfair contract terms CHF loan agreements Directive 93/13/EEC consumer law foreign currency clause consequences of unfair contract terms nullity of contract partial nullity restitution unjust enrichment true false false M. Handanagić Slovenski jezik Angleški jezik Magistrsko delo/naloga 2026-08-27 09:01:07 2026-08-27 09:01:13 2026-08-28 04:41:24 0000-00-00 00:00:00 2026 0 Ljubljana 0 Ljubljana 1 spletni vir (1 datoteka PDF (50 str.)) 0000-00-00 Zaloznikova Objavljeno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 347.4/.7(043.2) 140286 289150467 29044.pdf 29044.pdf 1 E45C0A8052A2392118F8CDC4FB50E17E 3d6bb21ab9c7e1e0be430e8922ca9eabf7ac2162bf560a3550058062d21ae3dd b2b8c014-a1e4-11f1-9b0d-0050569b8976 https://repozitorij.uni-lj.si/Dokument.php?lang=slv&id=245207 Pravna fakulteta 0 0 0