I C 525/20 AI generated

Consumer credit contract dismissed due to lack of proof of delivery and loan disbursement.

Case Number I C 525/20

Court / Authority Sąd powszechny

Jurisdiction

Poland (PL)

Decision Date 2021-04-29

Outcome Dismissed

Open official source Machine-readable Markdown (.md)

Legislator summary

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The court dismissed the bank's claim for unpaid consumer credit because the plaintiff failed to prove the contract was delivered to the defendant. Although the bank alleged the loan was disbursed, it provided no evidence of the defendant's account history or proof of actual payment. Consequently, the court found the contract non-existent and awarded the defendant the process costs.

Legislator headnote

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Art. 73 § 1 k.c.; Art. 7 ust. 1 ustawy o kredycie konsumenckim; A consumer credit contract is not deemed concluded if the lender fails to prove delivery of the contract to the consumer and the disbursement of the loan amount.

Keywords

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consumer credit contract proof of delivery loan disbursement burden of proof banking law

Cited Legislation

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art. 73 § 1 k.c.

art. 7 ust. 1 ustawy z dnia 29 września 1997 roku Prawo bankowe

art. 29 ust. 2 ustawy o kredycie konsumenckim

art. 98 § 1 i 3 kpc

art. 108 kpc

Cited Case Law

AI generated

wyrok Sądu Okręgowego w Krakowie z dnia 12 grudnia 2017 roku II Ca 2448/17

wyrok Sądu Okręgowego w Świdnicy z dnia 14 maja 2019 roku II Ca 180/19

wyrok Sądu Rejonowego Łódź – Widzew z dnia 15 października 2020 roku II C 516/20

wyrok Sądu Okręgowego w Poznaniu z dnia 17 września 2020 roku II Ca 771/20

uchwała SN z dnia 29 marca 1994 roku III CZP 37/94

wyrok SA w Katowicach z dnia 10 stycznia 2008 roku V ACa 816/07

wyrok SA w Katowicach z dnia 7 marca 2018 roku V ACa 277/17

III CZP 37/94

V ACa 816/07

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