{"id":1462,"date":"2023-02-02T13:54:58","date_gmt":"2023-02-02T12:54:58","guid":{"rendered":"https:\/\/www.legallex.pl\/?p=1462"},"modified":"2023-02-02T14:01:24","modified_gmt":"2023-02-02T13:01:24","slug":"istotny-dla-frankowiczow-wyrok-tsue","status":"publish","type":"post","link":"https:\/\/www.legallex.pl\/?p=1462","title":{"rendered":"Istotny dla frankowicz\u00f3w wyrok TSUE"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1462\" class=\"elementor elementor-1462\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-8ceb713 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8ceb713\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7564716\" data-id=\"7564716\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76e1791 elementor-widget elementor-widget-text-editor\" data-id=\"76e1791\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>12 pa\u017adziernika 2022 roku odby\u0142a si\u0119 kolejna wa\u017cna dla kredytobiorc\u00f3w rozprawa w sprawie post\u0119powania w kt\u00f3rym <strong>Trybuna\u0142 Sprawiedliwo\u015bci Unii Europejskiej<\/strong> <strong>pochyla si\u0119 nad kwesti\u0105 uprawnienia bank\u00f3w do dochodzenia op\u0142at za korzystanie z kapita\u0142u<\/strong>. Sprawy znajduj\u0105ce si\u0119 na wokandzie TSUE s\u0105 jednak stosunkowo d\u0142ugotrwa\u0142e, poniewa\u017c musi Trybuna\u0142 musi zapozna\u0107 si\u0119 z opini\u0105 rzecznika generalnego, tak wi\u0119c wyrok zostanie wydany pewnie za rok.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-028fb00 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"028fb00\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9f4b73d\" data-id=\"9f4b73d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf2f9e4 elementor-widget elementor-widget-text-editor\" data-id=\"bf2f9e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Pytanie prejudycjalne zosta\u0142o przekazane przez <strong>S\u0105d Rejonowy w Warszawie (sygn. akt C-520\/21).<\/strong> Dotyczy zagadnienia, czy w przypadku uniewa\u017cnienia kredytu we franku szwajcarskim banki oraz konsumenci mog\u0105 domaga\u0107 si\u0119 r\u00f3wnie\u017c innych \u015bwiadcze\u0144. Dla bank\u00f3w jest to kluczowa kwestia, poniewa\u017c z racji tego, \u017ce przegrywaj\u0105 wi\u0119kszo\u015b\u0107 spraw z frankowiczami, cz\u0119sto decyduj\u0105 si\u0119 wytoczy\u0107 w stosunku do frankowicz\u00f3w pow\u00f3dztwa o takie wynagrodzenie. Zdaniem konsument\u00f3w, skoro banki ubiegaj\u0105 si\u0119 o takie wynagrodzenie, konsumenci r\u00f3wnie\u017c powinni mie\u0107 mo\u017cliwo\u015b\u0107 uzyskania takich \u015brodk\u00f3w.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-128f7e6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"128f7e6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f14034b\" data-id=\"f14034b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-03acbdc elementor-widget elementor-widget-text-editor\" data-id=\"03acbdc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Podstaw\u0105 rozstrzygania jest tutaj cz\u0119sto instytucja bezpodstawnego wzbogacenia si\u0119. Skoro w przypadku zaci\u0105gni\u0119cia kredytu w z\u0142ot\u00f3wkach konsument by\u0142by zmuszony zwr\u00f3ci\u0107 nie tylko kwot\u0119 udost\u0119pnionego kapita\u0142u, ale r\u00f3wnie\u017c koszty korzystania z niego, to w przypadku uniewa\u017cnienia kredytu frankowego jest bezpodstawnie wzbogacony o kwot\u0119, kt\u00f3r\u0105 oszcz\u0119dzi\u0142.<br \/>Do tej pory, opini\u0119 na ten temat wyrazi\u0142y ju\u017c instytucje kluczowe dla tego rodzaju post\u0119powa\u0144, tj. Komisja Europejska, Rzecznik Finansowy czy Rzecznik Praw Obywatelskich. Opinie te jednoznacznie zajmuj\u0105 stanowisko, jakoby bank nie m\u00f3g\u0142 domaga\u0107 si\u0119 od konsumenta wynagrodzenia za korzystanie z kapita\u0142u, poniewa\u017c by\u0142oby to zaprzeczeniem dotychczasowego orzecznictwa Trybuna\u0142u Sprawiedliwo\u015bci Unii Europejskiej. Rz\u0105d r\u00f3wnie\u017c wyra\u017ca stanowisko prokonsumenckie.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-34c435e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34c435e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fa8de6f\" data-id=\"fa8de6f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f875a26 elementor-widget elementor-widget-text-editor\" data-id=\"f875a26\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Wyrok b\u0119dzie znacz\u0105cy zar\u00f3wno dla konsument\u00f3w, jak i kredytodawc\u00f3w.<\/strong> Je\u015bli rozstrzygni\u0119cie zostanie wydane na korzy\u015b\u0107 konsument\u00f3w, spodziewa\u0107 si\u0119 mo\u017cna zasypania s\u0105d\u00f3w pozwami o uniewa\u017cnienie kredytu we franku szwajcarskim. Pewne stanie si\u0119 to, \u017ce frankowicze b\u0119d\u0105 wychodzili ze sporu z bankiem zwyci\u0119sko. Je\u017celi natomiast TSUE rozstrzygnie na korzy\u015b\u0107 bank\u00f3w, konsumenci nie b\u0119d\u0105 ju\u017c zabezpieczeni przed zawieraniem nieuczciwych um\u00f3w.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>12 pa\u017adziernika 2022 roku odby\u0142a si\u0119 kolejna wa\u017cna dla kredytobiorc\u00f3w rozprawa w sprawie post\u0119powania w kt\u00f3rym Trybuna\u0142 Sprawiedliwo\u015bci Unii Europejskiej pochyla si\u0119 nad kwesti\u0105 uprawnienia bank\u00f3w do dochodzenia op\u0142at za korzystanie z kapita\u0142u. Sprawy znajduj\u0105ce si\u0119 na wokandzie TSUE s\u0105 jednak stosunkowo d\u0142ugotrwa\u0142e, poniewa\u017c musi Trybuna\u0142 musi zapozna\u0107 si\u0119 z opini\u0105 rzecznika generalnego, tak wi\u0119c &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.legallex.pl\/?p=1462\"> <span class=\"screen-reader-text\">Istotny dla frankowicz\u00f3w wyrok TSUE<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[21],"tags":[],"class_list":["post-1462","post","type-post","status-publish","format-standard","hentry","category-publikacje"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Istotny dla frankowicz\u00f3w wyrok TSUE - Legallex<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.legallex.pl\/?p=1462\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Istotny dla frankowicz\u00f3w wyrok TSUE - Legallex\" \/>\n<meta property=\"og:description\" content=\"12 pa\u017adziernika 2022 roku odby\u0142a si\u0119 kolejna wa\u017cna dla kredytobiorc\u00f3w rozprawa w sprawie post\u0119powania w kt\u00f3rym Trybuna\u0142 Sprawiedliwo\u015bci Unii Europejskiej pochyla si\u0119 nad kwesti\u0105 uprawnienia bank\u00f3w do dochodzenia op\u0142at za korzystanie z kapita\u0142u. Sprawy znajduj\u0105ce si\u0119 na wokandzie TSUE s\u0105 jednak stosunkowo d\u0142ugotrwa\u0142e, poniewa\u017c musi Trybuna\u0142 musi zapozna\u0107 si\u0119 z opini\u0105 rzecznika generalnego, tak wi\u0119c &hellip; Istotny dla frankowicz\u00f3w wyrok TSUE Read More &raquo;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.legallex.pl\/?p=1462\" \/>\n<meta property=\"og:site_name\" content=\"Legallex\" \/>\n<meta property=\"article:published_time\" content=\"2023-02-02T12:54:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-02-02T13:01:24+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napisane przez\" \/>\n\t<meta name=\"twitter:data1\" content=\"Konrad\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.legallex.pl\/#organization\",\"name\":\"Legallex\",\"url\":\"https:\/\/www.legallex.pl\/\",\"sameAs\":[],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.legallex.pl\/#logo\",\"inLanguage\":\"pl-PL\",\"url\":\"http:\/\/www.legallex.pl\/wp-content\/uploads\/2022\/01\/logo-LEGALLEX.png\",\"contentUrl\":\"http:\/\/www.legallex.pl\/wp-content\/uploads\/2022\/01\/logo-LEGALLEX.png\",\"width\":2096,\"height\":1298,\"caption\":\"Legallex\"},\"image\":{\"@id\":\"https:\/\/www.legallex.pl\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.legallex.pl\/#website\",\"url\":\"https:\/\/www.legallex.pl\/\",\"name\":\"Legallex\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.legallex.pl\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.legallex.pl\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"pl-PL\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.legallex.pl\/?p=1462#webpage\",\"url\":\"https:\/\/www.legallex.pl\/?p=1462\",\"name\":\"Istotny dla frankowicz\u00f3w wyrok TSUE - Legallex\",\"isPartOf\":{\"@id\":\"https:\/\/www.legallex.pl\/#website\"},\"datePublished\":\"2023-02-02T12:54:58+00:00\",\"dateModified\":\"2023-02-02T13:01:24+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.legallex.pl\/?p=1462#breadcrumb\"},\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.legallex.pl\/?p=1462\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.legallex.pl\/?p=1462#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\/\/www.legallex.pl\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Istotny dla frankowicz\u00f3w wyrok TSUE\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/www.legallex.pl\/?p=1462#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.legallex.pl\/?p=1462#webpage\"},\"author\":{\"@id\":\"https:\/\/www.legallex.pl\/#\/schema\/person\/f52a110f365b928e0259b9f2c57cab87\"},\"headline\":\"Istotny dla frankowicz\u00f3w wyrok TSUE\",\"datePublished\":\"2023-02-02T12:54:58+00:00\",\"dateModified\":\"2023-02-02T13:01:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.legallex.pl\/?p=1462#webpage\"},\"wordCount\":367,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.legallex.pl\/#organization\"},\"articleSection\":[\"Publikacje\"],\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.legallex.pl\/?p=1462#respond\"]}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.legallex.pl\/#\/schema\/person\/f52a110f365b928e0259b9f2c57cab87\",\"name\":\"Konrad\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.legallex.pl\/#personlogo\",\"inLanguage\":\"pl-PL\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/9727a1ee56239a15de37299403373196deec7ea930343bbe58ff86ca867fa9dc?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/9727a1ee56239a15de37299403373196deec7ea930343bbe58ff86ca867fa9dc?s=96&d=mm&r=g\",\"caption\":\"Konrad\"},\"url\":\"https:\/\/www.legallex.pl\/?author=3\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Istotny dla frankowicz\u00f3w wyrok TSUE - Legallex","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.legallex.pl\/?p=1462","og_locale":"pl_PL","og_type":"article","og_title":"Istotny dla frankowicz\u00f3w wyrok TSUE - Legallex","og_description":"12 pa\u017adziernika 2022 roku odby\u0142a si\u0119 kolejna wa\u017cna dla kredytobiorc\u00f3w rozprawa w sprawie post\u0119powania w kt\u00f3rym Trybuna\u0142 Sprawiedliwo\u015bci Unii Europejskiej pochyla si\u0119 nad kwesti\u0105 uprawnienia bank\u00f3w do dochodzenia op\u0142at za korzystanie z kapita\u0142u. 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