THEORETICAL AND PRACTICAL CONSIDERATIONS REGARDING ABUSIVE CLAUSES IN THE CREDIT CONTRACTS, REGARDED AS ADHESION CONTRACTS

Diana Gorun, Mirela Niculae, Beatrice-Tanta Strat
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Abstract

Credit agreements are regarded as adhesion contracts, containing clauses to which the customer is obliged to accept, which can easily be defined as abusive. Because of their unpredicted and onerous effects, it was legally established the unpredictability in the adhesion contracts, which justified the intervention of the courts of instances to review or to adapt the contract according to the exceptional circumstances’ changes.
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作为附着式合同的信用合同中滥用条款的理论与实践思考
信用协议被视为附则合同,包含客户有义务接受的条款,这很容易被定义为滥用。由于其不可预见性和繁重的后果,法律上确立了附着性合同的不可预见性,这就为判例法院根据特殊情况的变化对合同进行审查或调整提供了正当理由。
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