Almost every consumer credit agreement contains a complicated formula for calculating the fee for the loan and for early repayment . Typically, these formulas include variables ( for example, the rate of change of the hryvnia to the dollar) , which allow banks to increase significantly payment of consumer credit contracts .

That’s way  today there are a lot of disputes over the recognition provisions of consumer credit contracts invalid.

In September, the Ukrainian Supreme Court in its decision on the case number 6-80cc13, dated 25^th of September,    finally solved all the controversies questions with increasing of  interest rates of  consumer loans - the court has determined  that  provisions of the contract of consumer credit, which contain the terms of changes in consumer spending , particularly in terms of loan servicing fee or fees for early repayment of the loan are  UNFAIR,  and such terms are  basis for the recognition of such provisions invalid.

These conclusions are based on the  Part 5 of Article 11 , Art. 18 of the Law of Ukraine " About Protection of Consumers' Rights”