I C 103/24 AI generated

Consumer credit contract dispute where court dismissed bank's claim due to usury and free credit penalty declaration.

Case Number I C 103/24

Court / Authority Sąd powszechny

Jurisdiction

Poland (PL)

Decision Date 2024-08-28

Outcome Partially Allowed

Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The court dismissed the bank's claim for the remaining balance and awarded the defendant 1,817 PLN in legal costs. The defendant successfully argued that the bank violated consumer protection laws by charging interest on the upfront fee and failing to inform the borrower of the alternative calculation method. Consequently, the court ruled that the borrower had validly declared the credit as free, extinguishing the debt obligation.

Legislator headnote

AI generated

Art. 30 ust. 7 ustawy o kredycie konsumenckim; Art. 45 ust. 1 ustawy o kredycie konsumenckim: Where a lender fails to provide an alternative interest calculation excluding upfront fees and misleads the borrower regarding the actual loan amount, the borrower may validly declare the credit free, extinguishing the debt obligation.

Keywords

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consumer credit contract usury in lending free credit penalty upfront fee interest misleading borrower extinguishment of debt legal costs award

Cited Legislation

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Art. 30 ust. 7 ustawy o kredycie konsumenckim

Art. 45 ust. 1 ustawy o kredycie konsumenckim

Art. 98 § 1, § 1 pkt 1 k.p.c.

Art. 108 k.p.c.

Cited Case Law

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wyrok Trybunału Sprawiedliwości z dnia 21 kwietnia 2016 roku sygn. I C-377/14

wyrok TK z dnia 11.07.2011 roku P 1/11

wyrok Sądu Apelacyjnego w Białymstoku z dnia 25 lipca 2015 roku I ACa 824/14

Supreme Court holds that requesting invalidity of the whole contract differs from requesting invalidity of specific clauses under Polish law.

Supreme Court voids insurance settlement due to abusive clauses and excessive compensation costs.

Supreme Court allows consumer clause allowing damages exceeding penalty to be invalid due to unfair imbalance.

Supreme Court vacated appeal ruling on unfair contract terms, requiring full reasoning for general clauses under Civil Code.

Supreme Court quashes appeal ruling on bank fee clauses for cash withdrawals violating consumer protection law.

I CK 472/03

AI generated

Consumer loan contract dispute dismissed; court rejected invalidity claim and ordered plaintiff to pay bank costs.

Court dismissed defendant's appeal in loan dispute, ruling bank's private bank statement valid evidence of debt.

Court declared loan contract invalid for excessive non-interest fees violating good morals and consumer protection.

Consumer loan claim dismissed; court rejected 'free loan' sanction and excessive fee arguments.

Consumer loan claim dismissed due to missed statutory deadline for free loan penalty declaration.

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