News

WHAT TO KNOW

We explain the most important changes in the law and discuss issues that have real significance for entrepreneurs and individual clients. Specifically, clearly, and from a practical perspective.

Baner informacyjny dotyczący przełomowego wyroku TSUE w sprawie odsetek od kosztów kredytu. Na grafice widoczne są dokumenty kredytowe, symboliczne akta sądowe, waga sprawiedliwości oraz budynek Trybunału Sprawiedliwości Unii Europejskiej z flagami UE, podkreślające znaczenie orzeczenia dla kredytobiorców i rynku finansowego.

Groundbreaking ruling of the CJEU regarding interest on loan costs.

On April 23, 2026, the Court of Justice of the European Union issued a ruling in case C-744/24. This ruling could change the situation for millions of Polish borrowers. If you have or had a cash loan or consumer credit, this article is for you. What is the ruling of the CJEU about? Case C-744/24 […]

Na grafice widoczny jest dokument umowy kredytowej, książka symbolizująca prawa kredytobiorcy, waga sprawiedliwości oraz zegar i data 31 grudnia 2025 roku. Elementy te nawiązują do przedawnienia roszczeń dotyczących kredytów denominowanych i indeksowanych do walut obcych oraz konieczności podjęcia działań prawnych przed upływem terminu.

Have you not yet dealt with your foreign currency denominated or indexed loan? Check why it is worth doing so before the end of 2025.

Property claims – including those related to indexed/denominated loans in foreign currency – are subject to the statute of limitations. The statute of limitations does not automatically cause the claim to “expire” — in legal terms, it still exists. However, the bank can effectively raise the statute of limitations defense, which in practice closes the […]

lustracja przedstawiająca dokumenty kredytowe, kalkulator finansowy oraz księgę z napisem „Sankcja Kredytu Darmowego 2026” na tle nowoczesnych budynków finansowych.

What is the sanction of a free loan?

In the era of growing interest in consumer loans, many borrowers are unaware that financial institutions sometimes violate applicable regulations. In such cases, consumers can take advantage of the protective mechanism provided by law – the sanction of a free loan. In this article, I explain what this solution is and what benefits it can […]

The Supreme Court confirmed favorable rulings for borrowers!

On April 25, 2024, the long-awaited resolution of the Supreme Court regarding so-called foreign currency loans was issued. The Supreme Court confirmed favorable rulings for borrowers and indicated that: 1) it is not possible to replace prohibited conversion clauses in a foreign currency loan agreement with another method of determining the currency exchange rate resulting […]

Claims of borrowers against the bank are subject to limitation. Check until when you can effectively claim the return of repaid funds.

Generally, in court proceedings against the bank, the borrower claims that the loan agreement is invalid because it contains legal defects. The consequence of the invalidity of the agreement is that both the bank and the consumer have fulfilled their obligations to the other party without a legal basis (the invalid agreement never existed). Undue […]

Paid off Swiss franc loan and the possibility of claiming against the bank

Swiss franc loans were most popular in Poland around 2008. There are also consumers who entered into a Swiss franc loan agreement even earlier, e.g., in 2005. Typically, the Swiss franc loan agreement provided for repayment of the loan in installments spread over 30 years. However, a significant number of borrowers decided to make a […]