Posts

Conversion of CHF mortgage loans within the EU is a fact. At what cost though?

Image
Article By Paris Hadjipanayis, Lawyer Ιn a recent high profile case ( C-260/18 ) adjudicated by the first instance court of Warsaw, Poland, a preliminary question was forwarded to the European Court of Justice on the 03/10/2019 to decide on a number of questions regarding the effect of abusive consumer clauses inserted in a mortgage loan, specifically with reference to the issuing of a loan in Swiss Francs (CHF) currency and released in national (PLN) currency. The question concerned the fate of such a consumer clause, whether it could be enforceable and if not whether abolition could grant the right to a National court to insert provisions from national (domestic) applicable legislation to fill in the gaps and protect the contract as well as the consumer. The matter of interest rate also became relevant to this question as the interest imposed originally was the one based on the reference point of LIBOR CHF 3M and the usual marginal profit of the lending bank. The applicant

Holocaust denial is not protected by the European Convention on Human Rights

Image
Ι n the case of Pastörs v. Germany (application no. 55225/14) the European Court of Human Rights held on 3.10.2019, unanimously, that the applicant’s complaint under Article 10 (freedom of expression) was manifestly ill-founded and had to be rejected, and, by four votes to three that there had been no violation of Article 6 § 1 (right to a fair trial) of the European Convention on Human Rights. The case concerned the conviction of a Land deputy for denying the Holocaust during a speech in the regional Parliament. The Court found in particular that the applicant had intentionally stated untruths to defame Jews. Such statements could not attract the protection for freedom of speech offered by the Convention as they ran counter to the values of the Convention itself. There was thus no appearance of a violation of the applicant’s rights and the complaint was inadmissible. The Court also examined a complaint by the applicant of judicial bias as one of the Court of Appeal judges who

European Commission refers Poland to the Court of Justice to protect judges from political control

Image
European Commission decided to refer Poland to the Court of Justice of the EU regarding the new disciplinary regime for Polish judges, requesting an expedited procedure. On 3 April 2019, the Commission launched this infringement procedure on the grounds that the new disciplinary regime undermines the judicial independence of Polish judges and does not ensure the necessary guarantees to protect judges from political control, as required by the Court of Justice of the EU. Specifically, the Polish law allows ordinary court judges to be subjected to disciplinary investigations, procedures and sanctions on the basis of the content of their judicial decisions, including the exercise of their right under Article 267 of the Treaty on the Functioning of the European Union (TFEU) to request preliminary rulings from the Court of Justice of the EU. Moreover, the new disciplinary regime does not guarantee the independence and impartiality of the Disciplinary Chamber of the Supreme Court,

Fine EUR 150,000 to multinational company in Greece for GDPR violations

Image
The Greek Data Protection Authority has imposed a fine of 150,000 euros on PWC BS A.E. for violations of the General Data Protection Regulation. In particular, the Personal Data Protection Authority, upon a complaint, investigated on its own motion the legality of the processing of the personal data of employees of PWC BS (PRICEWATERHOUSECOOPERS BUSINESSSOLUTIONS SA) pursuant to which the abovementioned employees were forced to consent to the processing their personal data for three (3) distinct purposes. The Authority considered PWC BS as the controller: 1) has undergone unlawful processing, in breach of the provisions of Article 5 (1) (e); a) of the GDPR (principle of legality), the personal data of its employees, as it applied an inappropriate legal basis under Art. 6 (1)   a   GDPR (consent) instead of the appropriate legal basis for the performance of the contract, compliance with a legal obligation and the superior legal interest (Art. 6 (1), b, c' and g   GDPR). 2

Silence of suspect or accused person in criminal proceedings: Right and not weakness

Image
By George Kazoleas, Lawyer LL.M. The silence of a suspect or accused person in criminal proceedings is a right enshrined in the European Convention on Human Rights (Article 6 (1)). Unfortunately, in some legal systems and in their criminal practice, the defendant's silence is regarded as confession or acceptance of the charge, a practice that is fundamentally affecting the core of his defense rights. The right to silence is an important aspect of the presumption of innocence and its usefulness lies in protecting the accused person from self-incrimination. Monitoring compliance with the right to silence, as well as the related right of self-incrimination, is particularly critical for the offense, that a person is suspected or accused of having committed, but not for example in matters related to identifying a suspect or accused. The essence of the right to remain silent is to prohibit the suspect or the accused person from speaking, answering questions or providing info

Removal of a mother’s parental authority and adoption of her eldest son by foster parents: Violation of the right to respect for private and family life (ECHR)

Image
In Εuropean Court of Human Rights Grand Chamber judgment in the case of Strand Lobben and Others v. Norway (application no. 37283/13) the ECHR held, by 13 votes to four, that there had been a violation of Article 8 (right to respect for private and family life) of the European Convention on Human Rights in respect of both applicants, a mother and her son. The case concerned the domestic authorities’ decision to remove a mother’s parental authority and let foster parents adopt her son. The Court found in particular that the main reason for the authorities’ actions had been the mother’s inability to care properly for her son, in particular in view of his special needs as a vulnerable child. However, that reasoning had been based on limited evidence as the contact sessions between mother and son after his placement in foster care had been few and far between and the psychologists’ reports out-dated. In addition, a review of his vulnerability had contained barely any analysis and no e

An e-commerce platform such as Amazon is not obliged in all cases to make a telephone number available to consumers before the conclusion of a contract (ECJ)

Image
According to the Judgment of ECJ in Case C-649/17 (Bundesverband der Verbraucherzentralen und Verbraucherverbände - Verbraucherzentrale Bundesverband e.V. v Amazon EU Sàrl), an e-commerce platform such as Amazon is not obliged in all cases to make a telephone number available to consumers before the conclusion of a contract. It is however obliged to provide those consumers with a means of communication allowing them to contact it quickly and to communicate with it efficiently. The company Amazon EU offers the sale of various goods, exclusively via a website, in particular, in Germany, via the site www.amazon.de. It was sued before the German courts by the Bundesverband der Verbraucherzentralen und Verbraucherverbände - Verbraucherzentrale Bundesverband e.V. (Federal Union of Consumer Organisations and Associations) (‘the Federal Union’). The latter seeks to have it declared that Amazon did not respect its legal obligation to provide consumers with an efficient means to enter int

Editorial

Editorial
George Kazoleas, Lawyer