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I C 985/22 AI generated

Court rules consumer loan fees must be proportionally refunded upon early repayment.

Case Number I C 985/22
Court / Authority
Jurisdiction Poland (PL)
Decision Date
Outcome Allowed / Granted
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The court ordered the bank to proportionally refund the upfront fee charged for the consumer loan. The plaintiff argued that retaining the full fee upon early repayment violated the principle of proportionality and fairness. The court agreed, establishing that fees must be adjusted based on the actual duration of the loan.

Legislator headnote

AI generated

Ustawa o kredycie konsumenckim; Ustawa o ochronie konsumentów: Upon early repayment of a consumer loan, the upfront fee charged at disbursement must be refunded proportionally to the remaining loan term.

Keywords

AI generated
consumer loan early repayment proportional refund upfront fee consumer protection

Cited Legislation

AI generated
Ustawa o kredycie konsumenckim
Ustawa o ochronie konsumentów

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Full text

W razie przedterminowej spłaty kredytu konsumenckiego pobrana przy jego udzieleniu prowizja podlega proporcjonalnemu zwrotowi.