Our Office supports Clients in resolving disputes with banks arising from credit agreements or loans indexed (or denominated) in foreign currency, in particular the Swiss franc (CHF). In order to ensure a high level of services in this area, the Office conducts constant monitoring and legal analysis of decisions of the courts, the Supreme Court, the Court of Justice of the European Union, as well as decisions of the President of the Office of Competition and Consumer Protection.
Our lawyers have extensive experience in litigation against banks that use prohibited clauses in their agreements.
Among other services of the Office include:
- legal analysis of the loan agreement in order to identify illegal provisions,
- conducting the complaint procedure in the bank,
- representation of the consumers in court proceedings aimed at establishing the invalidity of the loan agreement or removing abusive provisions from the agreement.
In the event that the court finds that the loan agreement is invalid, the parties to such an agreement shall reimburse each other for services. The bank returns to the consumer all received loan fees and commissions, and the consumer returns to the bank the received loan amount (capital).
If the court finds that the agreement is valid despite the fact that it contains abusive provisions, it is considered that these provisions are not binding from the beginning of the loan agreement. Then we deal with the so-called defranchising of the loan, i.e. conversion of an indexed (or denominated) loan in foreign currency into a loan in PLN. This solution allows the consumer to receive from the bank the return of the overpaid loan, significantly reduce the current debt and continue the contractual relationship with the bank on much more favorable terms.
We invite you to use our services.
