E.E.K. Crete: “Only a political decision, the “breakout” of the thousands of borrowers Swiss Franc”

As a Union for the Protection of Consumers of Crete, we are asking for directly from the state, political decision, for borrowers who are…
trapped in the currency Swiss Franc, and are in a financial dead end, after exists.334/2016 victorious decision of the High Court of Athens, which states that “banks will have to accept as repayment of monthly instalments, as well as the partial or total repayment of the loans, based on the rate of disbursement and not the current “
Great injustice they feel today, $ 70,000 borrowers swiss Franc, which, although until today they have paid 50% of their loan ,they feel a “cover-up” by 57% on the debt.
We recall that ,about 70,000 Greek households for the period 2006-2008 were housing loans with a clause for chf. Then the amount of such loans was approximately 7 billion. euro.
With the exists.334/2016 victorious decision , the Multi-member Athens Court of first instance provides that:
• The bank is obliged to accept monthly installment payments based on the exchange rate prevailing on the disbursement of the loan.
• Prohibits the bank to terminate the contracts of the loans if the borrowers pay the amounts of τοκοχρεολυτικών doses in swiss francs based on the exchange rate prevailing on the disbursement of the loan.
• It is obliged to accept partial or total repayment of the loan in swiss francs on the basis of the rate of disbursement.
• Obliges the defendant to carry out the aggregation of all the charges i.e., interest, instalments and payments on behalf of borrowers have become upon conversion swiss to euro based on the exchange rate of euro swiss at the time of disbursement of each loan, otherwise, on the basis of the amount of euro that was paid and the contractual rate.
• It is obliged to accept partial or total repayment of the loan in swiss francs on the basis of the rate of disbursement.
• Obliges the defendant to carry out the aggregation of all the charges i.e., interest, instalments and payments on behalf of borrowers have become upon conversion swiss to euro based on the exchange rate of euro swiss at the time of disbursement of each loan, otherwise, on the basis of the amount of euro that was paid and the contractual rate.
The Union Consumer Protection, Crete, highlights the features negative points of the whole Swiss Franc.
1) borrowers to find -and even those who normally pay their mortgage payments – the loan balance increases instead of decreases
2)to the borrowers in times of crisis, that their incomes have been reduced , they can’t respond
3)the borrowers may not be able to join in.3869/2010, as they have to accept the debt that is assured.
4)the borrowers are in danger of losing their house, as well as most of the loans were mortgages.
5)a Large number of borrowers in a state of psychological support, due to stress, various phobias
Then from the above, the Union of Protection of Consumers, Crete, invites public, politicians, stakeholders , members and Government to ensure that the solution is found for thousands of borrowers Swiss Franc.
The President of the Union of Consumer Protection Crete
Joan Μελάκη

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