X C 1734/21
AI generated
Court partially allowed loan claim by reducing excessive refinancing fees violating consumer protection and good faith.
Poland (PL)
Legislator summary
AI generatedThe court partially dismissed the plaintiff's claim for loan repayment, ordering the defendant to pay a reduced amount of 421.30 zł while rejecting the remainder. The plaintiff sought full repayment including high refinancing fees, but the defendant argued these charges were excessive and lacked legal basis. The court ruled that the fees violated consumer interests and good faith by effectively extending the loan term without fair compensation, thus invalidating the excessive charges.
Legislator headnote
AI generatedArt. 355 § 1 k.c.; Art. 8d ust. 1 ustawy o kredycie konsumenta: The court may reduce or invalidate loan terms violating consumer interests and good faith when excessive fees are used to circumvent statutory interest caps.
Keywords
AI generated
consumer protection
excessive fees
loan refinancing
good faith principle
usury limits
civil liability
partial dismissal
Cited Legislation
AI generatedArt. 355 § 1 k.c.
Art. 8d ust. 1 ustawy o kredycie konsumenta
art. 233§1 k.p.c
art. 6 k.c
art. 232 k.p.c
art. 720 §1 k.c
art. 221 k.c
Cited Case Law
AI generatedRelated Decisions
AI generatedI C 596/23
Plaintiff's loan claim dismissed due to lack of original loan contract and procedural standing issues.
I C 1056/18
Plaintiff dismissed for failure to prove loan contract validity and lack of standing to sue.
I C 273/22
Court dismissed defendant's defense and awarded plaintiff damages for a refinancing loan contract dispute.
I C 562/25
Consumer loan refinancing scheme dismissed as unfair market practice violating consumer protection limits.
I C 357/25
Court partially allowed consumer loan claim by invalidating refinancing fees violating good faith and consumer interest.