I C 78/22
AI generated
Loan contract dismissed due to abusive fee clauses; partial debt recognized but fully offset by prior payments.
Poland (PL)
Legislator summary
AI generatedThe court dismissed the plaintiff's claim for repayment of a loan and associated fees against the defendant. While the court acknowledged the validity of the principal loan and the preparation fee, it ruled that the administrative fee was an abusive clause under consumer protection law. Consequently, the recognized debt was fully extinguished because the defendant had already made payments exceeding the total valid amount owed.
Legislator headnote
AI generatedArt. 36a ust. 1 ustawy o kredycie konsumenckim; Art. 9 ust. 1 ustawy o kredycie konsumenckim: The statutory limit on loan costs does not preclude the finding of abusive clauses; such clauses are void if not individually negotiated, and the debt is extinguished if prior payments exceed the valid claim.
Keywords
AI generated
abusive contract clauses
consumer credit law
loan repayment dispute
unfair contractual terms
offset of payments
consumer protection
usury limits
Cited Legislation
AI generatedArt. 36a ust. 1 ustawy o kredycie konsumenckim
Art. 9 ust. 1 ustawy o kredycie konsumenckim
Art. 359 § 1 k.c.
Art. 359 § 2 ust. 1 k.c.
Art. 98 k.p.c.
art. 339 § 1 k.p.c
art. 339 k.p.c
art. 339 § 2 k.p.c
art. 720 k.c
art. 359 § 1 k.c
Cited Case Law
AI generatedwyrok Sądu Okręgowego w Łodzi z dnia 19 lipca 2019 r.
postanowienie Sądu Najwyższego z dnia 15 października 2020 r.
wyrok Trybunału Sprawiedliwości Unii Europejskiej z dnia 26 marca 2020 r.
Related Decisions
AI generatedI C 721/20
Court dismissed partial claim due to withdrawal, awarded remaining debt and partial costs to plaintiff.
I C 118/24
Court dismisses remaining claim and awards partial costs in a default loan dispute case.
I C 267/24
Consumer loan contract partially allowed; court rejected abusive interest fees exceeding statutory limits.
III C 362/23
Court partially allowed loan claim, awarding principal and interest but dismissing excessive fee due to bad customs.
I C 371/24
Court dismissed loan claim due to invalid refinancing scheme evading consumer credit cost limits.