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We specialize in pursuing claims of borrowers against banks in the field of PLN loan agreements based on the WIBOR reference index - both existing and repaid or terminated agreements.


Depending on the individual situation of each client, we apply for:

  • determining the ineffectiveness of the provisions regarding the interest rate component based on the WIBOR reference index and leaving only the provisions regarding the loan margin in the contract,

  • return of overpaid interest installments,

  • determination of the invalidity of the loan agreement,

  • return of all services provided by the Borrower to the Bank in the course of performance of the agreement.


In addition, we strive to obtain security for the claim, granted for the entire duration of the proceedings, consisting in a complete suspension of the obligation to pay principal and interest installments to the bank or determining the amount of installment liabilities without the WIBOR reference index, which results in a significant reduction of each installment in its interest part.


The procedure for pursuing claims in the above-mentioned scope includes:

  • sending scans of the loan agreement with attachments (including the regulations) and scans of annexes to the agreement, if any were concluded - if you do not have all of the above documents at the initial stage of analysis, in most cases it will be sufficient to send a loan agreement,

  • providing the Customer with a substantive answer as to the legitimacy of bringing an action against the bank, both in terms of determining the invalidity of the loan agreement, as well as determining the provisions shaping the variable interest rate of the loan as ineffective towards the Customer,

  • applying to the bank for a loan history certificate,

  • commissioning a financial analyst to calculate the value of claims that can be pursued through court proceedings,

  • requesting the bank to pay the amounts due,

  • comprehensive representation at the stage of court proceedings.

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