In the panel discussion The Legacy of the Francs: The Evolution of the Law of Obligations in Consumer Credit Disputes, legal experts discussed the complex legal challenges arising from consumer credit denominated in Swiss francs. Damjan Možina, PhD, outlined the development of Slovenian legislation and case-law on consumer protection, drew attention to inconsistencies with European law and criticised the Supreme Court’s recent shift in jurisprudence. Miha Juhart, PhD, focused on the sanction of nullity for unfair contractual terms and related issues of enrichment claims (condictiones). Professor Karmen Lutman, PhD, noted that the consequences of the nullity of consumer contracts are governed by national law—namely the Code of Obligations, which was never designed for such complex relationships—and highlighted the difficulties of incorporating the views of the Court of Justice of the European Union into the Slovenian legal order. Matija Damjan, PhD, discussed the particular features of the limitation of condominium claims in these cases. The discussion showcased differing perspectives on the assessment of contractual fairness, the consequences of nullity, and the respective roles of courts and notaries in consumer protection.
Key words: Swiss francs, consumer credit, law of obligations, unfair contract terms, nullity, case law, consumer protection.