Swiss franc loans, WIBOR and bank disputes — legal help in Katowice
Katowice, Fabryka Porcelany · meet in person or online · plain language, no legal jargon
Not sure your bank settled your loan fairly? We review the contract and help you take on the bank — Swiss franc loans, WIBOR and the "free credit" sanction. No jargon, and no promises about the outcome.
What does help with a loan or bank dispute involve?
We analyse your loan agreement and check whether the bank used unfair contract terms or charged costs that don't match the agreement or the law, and if we see grounds to act, we prepare a letter to the bank and represent you in negotiations and in court. We help with, among others, Swiss franc (CHF) loans, PLN loans based on WIBOR, and consumer loans, where in certain situations the "free credit" sanction may apply. We don't promise the outcome up front, because every contract is different and the court decides — so we start by honestly explaining the chances, the risks and the cost of proceedings.
Specifically, how we help
Swiss franc (CHF) loans and unfair contract terms
WIBOR-related clauses in PLN loans
The "free credit" sanction (Art. 45 of the Polish Consumer Credit Act)
Other disputes with banks
Frequently asked questions
Where does a case against a bank start?
It starts with analysing your loan agreement and documents: the repayment schedule, any annexes and bank certificates. We check whether the contract contains unfair contract terms and how the costs were calculated. Then we explain in plain language what options we see, along with the chances and risks. We don't promise the outcome in advance — we give you a legal assessment, and the court makes the final decision.
What is the "free credit" sanction?
This is a mechanism under Art. 45 of the Polish Consumer Credit Act. If the bank breached certain obligations when concluding the agreement (for example, stated the costs or the APR incorrectly), the borrower can submit a written declaration and — if the court confirms the breach — repay the loan without interest or other costs, returning only the borrowed capital. We check whether your agreement may give grounds for this and whether the deadline for submitting the declaration is still open (as a rule, one year from when the agreement was performed).
What's the difference between a Swiss franc (CHF) case and a WIBOR case?
There is already extensive case law on Swiss franc cases, including CJEU rulings — courts often examine whether the currency-conversion clauses are unfair, which can lead to the agreement being declared invalid and the parties settling accounts with each other. Cases involving WIBOR in PLN loans are newer and don't yet have an established, consistent line of rulings, so they carry more uncertainty. In both cases, we tell you honestly where the risk lies.
How long does a case like this take, and what does it cost?
Bank disputes, especially court cases, usually take many months, and often more than a year — it depends on the court, its workload and how the proceedings unfold. At the start, we discuss our fees and the court costs that fall on the client (for example, the filing fee or a possible expert opinion). We want you to understand the financial side of the case before you decide to proceed.
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