{"id":927,"date":"2025-05-07T10:11:58","date_gmt":"2025-05-07T10:11:58","guid":{"rendered":"https:\/\/www.odb.si\/en\/?p=927"},"modified":"2025-05-07T10:11:58","modified_gmt":"2025-05-07T10:11:58","slug":"new-supreme-court-practice-on-temporary-injunctions-in-swiss-franc-loans","status":"publish","type":"post","link":"https:\/\/www.odb.si\/en\/2025\/05\/07\/new-supreme-court-practice-on-temporary-injunctions-in-swiss-franc-loans\/","title":{"rendered":"New Supreme Court Practice on Temporary Injunctions in Swiss Franc Loans"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">Introduction: Significance of Supreme Court Decision II Ips 10\/2025 from April 16, 2025<\/h3>\n\n\n\n<p>The Supreme Court of the Republic of Slovenia recently issued a landmark ruling (II Ips 10\/2025) clarifying the legal position of debtors who have entered into Swiss Franc loans<strong> (CHF)<\/strong>, especially regarding the possibility of obtaining temporary injunctions that temporarily suspend the effectiveness of the loan agreement. This protects consumers from financial harm during litigation. The decision provides clear guidance on how to effectively safeguard debtors\u2019 rights when there are justified suspicions of unfair contractual terms.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Background: Swiss Franc Loans and Legal Challenges<\/h2>\n\n\n\n<p>Swiss franc loans were popular in Slovenia due to lower interest rates compared to euro loans. However, currency fluctuations caused many debtors to face financial difficulties, as they had to repay significantly higher amounts than originally borrowed. Consequently, many borrowers began challenging the validity of their loan agreements, mainly due to unfair terms and inadequate disclosure of currency risk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Legal issues raised by Swiss franc loans:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Are contractual terms transferring currency risk solely to the debtor unfair and thus void?<\/li>\n\n\n\n<li>How can debtors effectively protect their rights during proceedings to avoid paying amounts based on disputed exchange rates?<\/li>\n\n\n\n<li>Is it possible to obtain a temporary injunction that suspends the loan agreement and prevents enforcement actions?<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Core of the Supreme Court Decision: Temporary Injunction as Effective Protection<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Possibility of Issuing a Temporary Injunction<\/h3>\n\n\n\n<p>The Supreme Court confirmed the lower courts\u2019 view that a <strong>temporary injunction suspending the effectiveness of the loan agreement and the notarial deed (enforcement title) is sufficient to effectively protect the debtor<\/strong>. This means that during litigation, the loan agreement temporarily does not operate, preventing maturity of claims and enforcement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Rejection of Additional Prohibitions and Financial Penalties<\/h3>\n\n\n\n<p>The Court rejected proposals to extend the injunction to prohibit the creditor from disposing of claims, enforcing them in enforcement proceedings, or any other collection under threat of financial penalties, reasoning that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The debtor already has legal remedies (objections in enforcement proceedings) that effectively prevent abuse.<\/li>\n\n\n\n<li>Prohibiting disposal of claims could unjustifiably infringe on the creditor\u2019s right to judicial protection.<\/li>\n\n\n\n<li>Financial penalties are unnecessary because the injunction itself suspends the loan\u2019s effectiveness.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. EU Law Basis<\/h3>\n\n\n\n<p>The decision aligns with the Court of Justice of the European Union\u2019s ruling (Case C-287\/22, Gettin Noble Bank), which requires national courts to provide effective consumer protection, including temporary measures preventing consumers from paying amounts exceeding those justified by a final ruling on unfair terms.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Detailed Analysis of the Decision<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Conditions for Granting a Temporary Injunction in Swiss Franc Loans dispute<\/h3>\n\n\n\n<p>The Supreme Court confirmed that the following must be met:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Likelihood of contract nullity<\/strong>: The debtor must likely prove that the loan contains unfair terms making it void (e.g., insufficient disclosure, unfair currency risk transfer).<\/li>\n\n\n\n<li><strong>Irreparable harm<\/strong>: The debtor must demonstrate that continuing repayments under disputed terms would cause serious financial harm.<\/li>\n\n\n\n<li><strong>Proportionality<\/strong>: The injunction must be proportionate and not unjustifiably restrict the creditor\u2019s rights.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Protection of the Debtor During Proceedings<\/h3>\n\n\n\n<p>By issuing the injunction:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The loan agreement and enforcement title are temporarily suspended.<\/li>\n\n\n\n<li>Claims do not mature, preventing enforcement.<\/li>\n\n\n\n<li>The debtor avoids paying amounts that might later be refunded due to unfair terms.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Swiss Franc Loans Creditor\u2019s Rights<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The creditor retains the right to file enforcement requests.<\/li>\n\n\n\n<li>The debtor can raise objections, which, although not suspensive, are effective due to the injunction.<\/li>\n\n\n\n<li>Prohibition on claim disposal is unnecessary and could infringe on economic freedoms.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Practical Impact for Consumers and Creditors<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">For Consumers (Borrowers)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The ruling strengthens legal certainty and effective protection against unfair loan terms.<\/li>\n\n\n\n<li>It allows temporary suspension of payments under disputed loans, reducing financial pressure during litigation.<\/li>\n\n\n\n<li>It confirms the availability of judicial remedies to protect consumer rights.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">For Banks and Creditors<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The ruling emphasizes the need for transparent and fair loan terms.<\/li>\n\n\n\n<li>It requires proper disclosure of currency risk to borrowers.<\/li>\n\n\n\n<li>It limits enforcement options during ongoing disputes over unfair terms.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Practical Advice for Borrowers with Swiss Franc Loans<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Review Your Loan Agreement<\/strong><br>Seek legal advice to assess whether your contract contains unfair terms, especially regarding currency risk.<\/li>\n\n\n\n<li><strong>Consider Filing a Lawsuit and Requesting a Temporary Injunction<\/strong><br>If justified, request a temporary suspension of loan effectiveness to halt payments during litigation.<\/li>\n\n\n\n<li><strong>Gather Evidence<\/strong><br>Document all payments, communications with the bank, and any irregularities in disclosure.<\/li>\n\n\n\n<li><strong>Consult Experienced Legal Counsel<\/strong><br>A lawyer can help prepare legal strategies and applications for temporary measures.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>The Supreme Court\u2019s decision II Ips 10\/2025 marks a significant milestone in protecting debtors with <strong>loans in Swiss francs<\/strong>. It confirms that a temporary injunction suspending the loan agreement and enforcement title provides effective legal protection, preventing financial harm during litigation. At the same time, it balances the rights of creditors, ensuring fair treatment on both sides. If you face challenges related to Swiss franc loans, timely legal consultation is crucial to safeguard your rights and take advantage of the protections affirmed by this ruling.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><em>* Finding yourself in need of legal services in Slovenia and looking for a law firm in Ljubljana, consider contacting us using our contact details as published on our\u00a0<a href=\"https:\/\/www.odb.si\/en\/\">web page<\/a>. A qualified law firm can provide you with legal advice and representation \u2013 helping you navigate the complexities of Slovenian law and ensuring that your rights are protected. You can find more information on legal acts in Slovenia on the\u00a0<a href=\"https:\/\/pisrs.si\/aktualno\/zakonodaja-v-anglescini\">official pages of the Slovenian\u00a0<\/a><a href=\"https:\/\/www.gov.si\/novice\/2023-11-15-z-nujno-novelo-zakona-o-tujcih-prilagajamo-pogoj-znanja-slovenscine\/\">government<\/a>. More legal topics can be found on our law firm\u00a0<a href=\"https:\/\/www.odb.si\/en\/?page_id=10\">publications page<\/a>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction: Significance of Supreme Court Decision II Ips 10\/2025 from April 16, 2025 The Supreme Court of the Republic of Slovenia recently issued a landmark ruling (II Ips 10\/2025) clarifying the legal position of debtors who have entered into Swiss Franc loans (CHF), especially regarding the possibility of obtaining temporary injunctions that temporarily suspend the [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[12,114,117,139,45,142,116,119,113,115,195],"class_list":["post-927","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-immigration-lawyer","tag-law-firm-in-slovenia","tag-law-firm-ljubljana","tag-law-firm-slovenia","tag-lawyer-in-slovenia","tag-lawyer-slovenia","tag-legal-services-slovenia","tag-slovenian-civil-law-firm","tag-slovenian-law-firm","tag-slovenian-lawyer","tag-swiss-franc-loans"],"aioseo_notices":[],"featured_image_src":{"landsacpe":false,"list":false,"medium":false,"full":false},"_links":{"self":[{"href":"https:\/\/www.odb.si\/en\/wp-json\/wp\/v2\/posts\/927","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.odb.si\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.odb.si\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.odb.si\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.odb.si\/en\/wp-json\/wp\/v2\/comments?post=927"}],"version-history":[{"count":1,"href":"https:\/\/www.odb.si\/en\/wp-json\/wp\/v2\/posts\/927\/revisions"}],"predecessor-version":[{"id":928,"href":"https:\/\/www.odb.si\/en\/wp-json\/wp\/v2\/posts\/927\/revisions\/928"}],"wp:attachment":[{"href":"https:\/\/www.odb.si\/en\/wp-json\/wp\/v2\/media?parent=927"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.odb.si\/en\/wp-json\/wp\/v2\/categories?post=927"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.odb.si\/en\/wp-json\/wp\/v2\/tags?post=927"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}