{"id":96,"date":"2021-07-06T13:47:08","date_gmt":"2021-07-06T11:47:08","guid":{"rendered":"https:\/\/sprawyfrankowe.kolegial.pl\/?page_id=96"},"modified":"2021-09-08T08:39:16","modified_gmt":"2021-09-08T06:39:16","slug":"faq","status":"publish","type":"page","link":"https:\/\/sprawyfrankowe.kolegial.pl\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"96\" class=\"elementor elementor-96\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c914832 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"c914832\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-1eff087\" data-id=\"1eff087\" 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-1a48669 elementor-widget elementor-widget-heading\" data-id=\"1a48669\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.14.0 - 26-06-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Cz\u0119sto zadawane pytania<\/h2>\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 class=\"elementor-section elementor-top-section elementor-element elementor-element-c8cfab9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c8cfab9\" 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-25569fe\" data-id=\"25569fe\" 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-a497458 elementor-widget elementor-widget-spacer\" data-id=\"a497458\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.14.0 - 26-06-2023 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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 class=\"elementor-section elementor-top-section elementor-element elementor-element-07eef97 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"07eef97\" 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-538b21e\" data-id=\"538b21e\" 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-428bc15 elementor-widget elementor-widget-heading\" data-id=\"428bc15\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. Kto mo\u017ce dochodzi\u0107 swoich praw w s\u0105dzie?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0c66b0 elementor-widget elementor-widget-text-editor\" data-id=\"d0c66b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.14.0 - 26-06-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p class=\"font_8\">Kredytobiorcy s\u0105 uprawnieni do dochodzenia roszcze\u0144 pieni\u0119\u017cnych od bank\u00f3w stosuj\u0105cych niedozwolone klauzule w umowach o kredyt indeksowany lub denominowany do waluty CHF (tzw. kredyty frankowe).<br \/>Wyst\u0119powanie z roszczeniami na drog\u0119 s\u0105dow\u0105 jest uzasadnione z uwagi na niedozwolony charakter postanowie\u0144 umownych, na podstawie kt\u00f3rych banki maj\u0105 mo\u017cliwo\u015b\u0107 ustalenia w spos\u00f3b jednostronny wysoko\u015bci zobowi\u0105zania kredytobiorcy (np. ustalanie kursu CHF na podstawie tabeli tworzonej przez bank), co niew\u0105tpliwie narusza zasad\u0119 r\u00f3wnowagi kontraktowej stron.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2390530 elementor-widget elementor-widget-spacer\" data-id=\"2390530\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe96f9f elementor-widget elementor-widget-heading\" data-id=\"fe96f9f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Czym sa klauzule niedozwolone?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ccc55a elementor-widget elementor-widget-text-editor\" data-id=\"9ccc55a\" 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<div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><p class=\"font_8\">S\u0105 to klauzule nieuzgodnione indywidualnie z konsumentem, kt\u00f3re okre\u015blaj\u0105 jego prawa i obowi\u0105zki w spos\u00f3b sprzeczny z dobrymi obyczajami i ra\u017c\u0105co naruszaj\u0105 jego interesy. Klauzule niedozwolone zwane s\u0105 inaczej abuzywnymi.<\/p><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36e2ad1 elementor-widget elementor-widget-spacer\" data-id=\"36e2ad1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d5d5db elementor-widget elementor-widget-heading\" data-id=\"1d5d5db\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. Jakie klauzule niedozwolone stosowa\u0142y banki w umowach kredytowych? \n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27f0a04 elementor-widget elementor-widget-text-editor\" data-id=\"27f0a04\" 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<div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-kk5if0nc\" class=\"_2bafp\" data-testid=\"richTextElement\"><p class=\"font_8\">Niedozwolone postanowienia dotyczy\u0142y najcz\u0119\u015bciej zapis\u00f3w odnosz\u0105cych si\u0119 do sposobu przeliczania kursu waluty przy wyp\u0142acie kredytu oraz jego sp\u0142acie w odniesieniu do kursu franka ustalonego w tabeli banku. Kredytobiorca przy tak skonstruowanym zapisie nie mia\u0142 wiedzy jakie s\u0105 metody i wska\u017aniki przy ustalaniu kursu w tabeli bankowej. Bank m\u00f3g\u0142 w dowolny i niczym nieograniczony spos\u00f3b kszta\u0142towa\u0107 kurs, kt\u00f3rego wysoko\u015b\u0107 mia\u0142a wp\u0142yw na wysoko\u015b\u0107 raty i zad\u0142u\u017cenia.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3d8fb4 elementor-widget elementor-widget-spacer\" data-id=\"c3d8fb4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61ec52f elementor-widget elementor-widget-heading\" data-id=\"61ec52f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4. Czym r\u00f3\u017cni si\u0119 kredyt denominowany od indeksowanego? \n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b36fff7 elementor-widget elementor-widget-text-editor\" data-id=\"b36fff7\" 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<div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-kk5if0nc\" class=\"_2bafp\" data-testid=\"richTextElement\"><p class=\"font_8\">W kredycie indeksowanym, kwota zobowi\u0105zania i waluta kredytu okre\u015blone s\u0105 w umowie w walucie polskiej. Kredyt jest wyp\u0142acany w walucie polskiej jednak na dzie\u0144 wyp\u0142aty kredytu zobowi\u0105zanie przeliczane jest na CHF, po bie\u017c\u0105cym kursie wymiany tej waluty i kwota wyra\u017cona w walucie obcej stanowi podstaw\u0119 do wyliczenia rat kapita\u0142owych i odsetkowych wskazanych w harmonogramie.<\/p><p class=\"font_8\">W przypadku kredytu denominowanego kwota zobowi\u0105zania i waluta kredytu okre\u015blone s\u0105 na umowie w walucie obcej, zostaje on jednak wyp\u0142acony w walucie krajowej po przeliczeniu bie\u017c\u0105cym kursem wymiany z dnia wyp\u0142at, natomiast harmonogram sp\u0142at jest przedstawiony w walucie obcej, jednak sp\u0142ata rat dokonywana jest w z\u0142ot\u00f3wkach, po bie\u017c\u0105cym kursie wymiany.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c89018f elementor-widget elementor-widget-spacer\" data-id=\"c89018f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b8595e elementor-widget elementor-widget-heading\" data-id=\"8b8595e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5. Co mo\u017cna uzyska\u0107 w s\u0105dzie? Czym r\u00f3\u017cni si\u0119 ofrankowanie od uniewa\u017cnienia umowy?  \n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11ce237 elementor-widget elementor-widget-text-editor\" data-id=\"11ce237\" 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<div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-kk5if0nc\" class=\"_2bafp\" data-testid=\"richTextElement\"><p class=\"font_8\">Aktualnie w orzecznictwie mo\u017cna spotka\u0107 si\u0119 z dwoma typami rozstrzygni\u0119\u0107 \u2013 tzw. \u201eodfrankowieniem umowy\u201d albo jej uniewa\u017cnienie w ca\u0142o\u015bci.<\/p><p class=\"font_8\">Ofrankowanie polega na przyj\u0119ciu, \u017ce kredyt\u202f&#8221;zosta\u0142 udzielony w z\u0142ot\u00f3wkach\u201d &#8211; bez przeliczania na CHF oraz niekorzystnych r\u00f3\u017cnic kursowych, w pozosta\u0142ym zakresie rozliczenie umowy kredytowej odbywa si\u0119 w oparciu o parametry ustalone w pierwotnie zawartej umowie kredytowej (mar\u017c\u0119, oprocentowanie itp., w szczeg\u00f3lno\u015bci na bazie LIBOR). Ponadto dochodzi si\u0119 zwrotu nienale\u017cnie uiszczonych \u015bwiadcze\u0144 \u2013 \u201enadp\u0142aconych rat\u201d. Kredytobiorca sp\u0142aca dalej kredyt jako z\u0142ot\u00f3wkowy, kt\u00f3ry jest oprocentowany tak jak kredyt zaci\u0105gni\u0119ty we franku szwajcarskim.<\/p><p class=\"font_8\">W przypadku, gdy s\u0105d orzeknie niewa\u017cno\u015b\u0107 umowy kredytowej kredytobiorca jest zobowi\u0105zany do zwrotu samego kapita\u0142u kredytu (tj. kwoty otrzymanej na podstawie zawartej umowy kredytowej, jednak bez odsetek, op\u0142at, r\u00f3\u017cnic kursowych oraz podwy\u017cek wynikaj\u0105cych z indeksacji), pomniejszonego o dotychczas uiszczone kwoty (raty i inne op\u0142aty).<\/p><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be746a7 elementor-widget elementor-widget-spacer\" data-id=\"be746a7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-620f25d elementor-widget elementor-widget-heading\" data-id=\"620f25d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6. Czy sp\u0142ata rat kredytu bezpo\u015brednio w CHF (po tzw. ustawie antyspreadowej) jest utrudnieniem w procesie? \n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79f9752 elementor-widget elementor-widget-text-editor\" data-id=\"79f9752\" 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<div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-kk5if0nc\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-kk5ij6sm\" class=\"_2bafp\" data-testid=\"richTextElement\"><p class=\"font_8\">Nie. Wa\u017cno\u015b\u0107 umowy ocenia si\u0119 na dzie\u0144 jej zawarcia, tak \u017ce p\u00f3\u017aniejsze zmiany umowy (w tym podpisanie aneksu umo\u017cliwiaj\u0105cego sp\u0142at\u0119 rat kredytu bezpo\u015brednio w walucie indeksacji) nie maj\u0105 znaczenia i nie stanowi\u0105 problemu z punktu widzenia post\u0119powania s\u0105dowego.<\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-954ff4d elementor-widget elementor-widget-spacer\" data-id=\"954ff4d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac5ea2e elementor-widget elementor-widget-heading\" data-id=\"ac5ea2e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">7. Jaki wp\u0142yw na moje roszczenia ma przedawnienie? \n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4353380 elementor-widget elementor-widget-text-editor\" data-id=\"4353380\" 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<div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-kk5if0nc\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-kk5ij6sm\" class=\"_2bafp\" data-testid=\"richTextElement\"><p class=\"font_8\">Up\u0142yw terminu przedawnienia mo\u017ce spowodowa\u0107, \u017ce bank b\u0119dzie m\u00f3g\u0142 uchyli\u0107 si\u0119 od zap\u0142aty cz\u0119\u015bci roszcze\u0144 maj\u0105tkowych konsumenta.<\/p><p class=\"font_8\">W przypadku stwierdzenia stosowania przez bank klauzul niedozwolonych, dziesi\u0119cioletni termin przedawnienia roszcze\u0144 o zwrot dokonanej nadp\u0142aty lub ca\u0142ej raty rozpoczyna si\u0119 od dat p\u0142atno\u015bci poszczeg\u00f3lnych rat (przedawniaj\u0105 si\u0119\u202fraty zap\u0142acone ponad 10 lat temu).<\/p><p class=\"font_8\">Aby skutecznie przerwa\u0107 bieg przedawnienia nale\u017cy dokona\u0107 czynno\u015bci przed s\u0105dem lub innym organem powo\u0142anym do rozpoznawania sprawy. W praktyce najcz\u0119\u015bciej sk\u0142ada si\u0119 pozew lub wniosek o zawezwanie do pr\u00f3by ugodowej.<\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1511bd6 elementor-widget elementor-widget-spacer\" data-id=\"1511bd6\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fd79a8 elementor-widget elementor-widget-heading\" data-id=\"4fd79a8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">8. Czego dotyczy wyrok TSUE z dnia 3 pa\u017adziernika 2019 r.? \n\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb78983 elementor-widget elementor-widget-text-editor\" data-id=\"bb78983\" 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<div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-kk5if0nc\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-kk5ij6sm\" class=\"_2bafp\" data-testid=\"richTextElement\"><p class=\"font_8\">W odpowiedzi na pytania prejudycjalne skierowane przez S\u0105d Okr\u0119gowy w Warszawie w sprawie Pa\u0144stwa Dziubak\u00f3w Trybuna\u0142 Sprawiedliwo\u015bci UE wyda\u0142 wyrok w dniu 3 pa\u017adziernika 2019 r. Trybuna\u0142 w odpowiedzi na zadane pytania, wskaza\u0142 jak podchodzi\u0107 do rozpatrywania spraw frankowych przez s\u0105dy krajowe.<\/p><p class=\"font_8\">W przypadku uznania przez s\u0105d krajowy, \u017ce klauzule indeksacyjne dotycz\u0105 \u015bwiadczenia g\u0142\u00f3wnego i bez nich umowa nie mo\u017ce by\u0107 w dalszej cz\u0119\u015bci wykonywana, s\u0105d powinien stwierdzi\u0107 niewa\u017cno\u015b\u0107 umowy. Ponadto, Trybuna\u0142 wskaza\u0142, \u017ce s\u0105d krajowy nie mo\u017ce zast\u0119powa\u0107 niedozwolonych postanowie\u0144 innymi postanowieniami, np. \u015brednim NBP, gdy\u017c brak jest podstaw prawnych do takich dzia\u0142a\u0144. Ponadto, je\u017celi wol\u0105 kredytobiorcy w sporze z bankiem by\u0142oby uniewa\u017cnienie umowy a nie jej \u201eodfrankowienie\u201d, s\u0105d powinien uwzgl\u0119dni\u0107 w tym zakresie jego wol\u0119.<\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fcb7fce elementor-widget elementor-widget-spacer\" data-id=\"fcb7fce\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc168a5 elementor-widget elementor-widget-heading\" data-id=\"fc168a5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">9. Czy bank mo\u017ce skutecznie dochodzic \"wynagrodzenia za korzystanie z kapitalu\"? \n\n\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84802c1 elementor-widget elementor-widget-text-editor\" data-id=\"84802c1\" 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<div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-j9repzfk\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-kk5if0nc\" class=\"_2bafp\" data-testid=\"richTextElement\"><div id=\"comp-kk5ij6sm\" class=\"_2bafp\" data-testid=\"richTextElement\"><section id=\"comp-jgwapiiy\" class=\"JSM9k\"><div class=\"_2EoGw\" data-testid=\"columns\"><div id=\"comp-jgwapiln\" class=\"_31Ne5\"><div class=\"\" data-mesh-id=\"comp-jgwapilninlineContent\" data-testid=\"inline-content\"><div data-mesh-id=\"comp-jgwapilninlineContent-gridContainer\" data-testid=\"mesh-container-content\"><div id=\"comp-kk5im2o5\" class=\"_2bafp\" data-testid=\"richTextElement\"><section id=\"comp-jgwapiiy\" class=\"JSM9k\"><div class=\"_2EoGw\" data-testid=\"columns\"><div id=\"comp-jgwapiln\" class=\"_31Ne5\"><div class=\"\" data-mesh-id=\"comp-jgwapilninlineContent\" data-testid=\"inline-content\"><div data-mesh-id=\"comp-jgwapilninlineContent-gridContainer\" data-testid=\"mesh-container-content\"><div id=\"comp-kk5im2o5\" class=\"_2bafp\" data-testid=\"richTextElement\"><p class=\"font_8\">W opinii przedstawicieli doktryny w polskim i unijnym porz\u0105dku prawnym brak jest podstawy prawnej do wysuwania przez banki tego typu roszczenia. Ponadto, zgodnie z prawem ochrony konsumenta, banki nie powinny czerpa\u0107 korzy\u015bci ze swoich nieuczciwych praktyk, a wi\u0119c przyznanie im prawa do takiego wynagrodzenia by\u0142oby sprzeczne z Dyrektyw\u0105 93\/13\/EWG.<\/p><\/div><\/div><\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ef517e elementor-widget elementor-widget-spacer\" data-id=\"2ef517e\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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 class=\"elementor-section elementor-top-section elementor-element elementor-element-0f5666b elementor-section-height-full elementor-section-items-bottom elementor-section-content-bottom elementor-section-boxed elementor-section-height-default\" data-id=\"0f5666b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;background_motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;background_motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;background_motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;background_motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:100}},&quot;background_motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-e-bg-lazyload=\"\">\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-193d6b0\" data-id=\"193d6b0\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-7d1250d elementor-widget elementor-widget-heading\" data-id=\"7d1250d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">Um\u00f3w si\u0119 na bezp\u0142atn\u0105 konsultacj\u0119\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8841677 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"8841677\" data-element_type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor-pro - v3.14.0 - 26-06-2023 *\/\n.elementor-button.elementor-hidden,.elementor-hidden{display:none}.e-form__step{width:100%}.e-form__step:not(.elementor-hidden){display:flex;flex-wrap:wrap}.e-form__buttons{flex-wrap:wrap}.e-form__buttons,.e-form__buttons__wrapper{display:flex}.e-form__indicators{display:flex;justify-content:space-between;align-items:center;flex-wrap:nowrap;font-size:13px;margin-bottom:var(--e-form-steps-indicators-spacing)}.e-form__indicators__indicator{display:flex;flex-direction:column;align-items:center;justify-content:center;flex-basis:0;padding:0 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.select-caret-down-wrapper{position:absolute;top:50%;transform:translateY(-50%);inset-inline-end:10px;pointer-events:none;font-size:11px}.elementor-select-wrapper .select-caret-down-wrapper svg{display:unset;width:1em;aspect-ratio:unset;fill:currentColor}.elementor-select-wrapper .select-caret-down-wrapper i{font-size:19px;line-height:2}.elementor-select-wrapper.remove-before:before{content:\"\"!important}<\/style>\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"96\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"8841677\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tImi\u0119\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_e901883 elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_e901883\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tNazwisko\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_e901883]\" id=\"form-field-field_e901883\" class=\"elementor-field elementor-size-sm  elementor-field-textual\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" required=\"required\" aria-required=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tTre\u015b\u0107\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-field_e4b130d elementor-col-100\">\n\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[field_e4b130d]\" id=\"form-field-field_e4b130d\" class=\"elementor-field elementor-size-sm  elementor-acceptance-field\">\n\t\t\t\t<label for=\"form-field-field_e4b130d\">O\u015bwiadczam, \u017ce zapozna\u0142em si\u0119 z <a href=\"https:\/\/sprawyfrankowe.kolegial.pl\/polityka-prywatnosci\/\" target=\"_blank\">Polityk\u0105 Prywatno\u015bci<\/a> oraz wyra\u017cam zgod\u0119 na przetwarzanie danych osobowych.<\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-field_54f93d1 elementor-col-100\">\n\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[field_54f93d1]\" id=\"form-field-field_54f93d1\" class=\"elementor-field elementor-size-sm  elementor-acceptance-field\">\n\t\t\t\t<label for=\"form-field-field_54f93d1\">Wyra\u017cam zgod\u0119 na otrzymywanie informacji dotycz\u0105cych spraw 'frankowych' oraz innych wiadomo\u015bci od Kancelarii Kolegial.<\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button type=\"submit\" class=\"elementor-button elementor-size-sm\">\n\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\" elementor-button-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Wy\u015blij<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c6cb43 elementor-widget elementor-widget-spacer\" data-id=\"7c6cb43\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Cz\u0119sto zadawane pytania 1. Kto mo\u017ce dochodzi\u0107 swoich praw w s\u0105dzie? Kredytobiorcy s\u0105 uprawnieni do dochodzenia roszcze\u0144 pieni\u0119\u017cnych od bank\u00f3w stosuj\u0105cych niedozwolone klauzule w umowach o kredyt indeksowany lub denominowany do waluty CHF (tzw. kredyty frankowe).Wyst\u0119powanie z roszczeniami na drog\u0119 s\u0105dow\u0105 jest uzasadnione z uwagi na niedozwolony charakter postanowie\u0144 umownych, na podstawie kt\u00f3rych banki maj\u0105 &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/sprawyfrankowe.kolegial.pl\/faq\/\"> <span class=\"screen-reader-text\">FAQ<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"_links":{"self":[{"href":"https:\/\/sprawyfrankowe.kolegial.pl\/wp-json\/wp\/v2\/pages\/96"}],"collection":[{"href":"https:\/\/sprawyfrankowe.kolegial.pl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sprawyfrankowe.kolegial.pl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sprawyfrankowe.kolegial.pl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/sprawyfrankowe.kolegial.pl\/wp-json\/wp\/v2\/comments?post=96"}],"version-history":[{"count":0,"href":"https:\/\/sprawyfrankowe.kolegial.pl\/wp-json\/wp\/v2\/pages\/96\/revisions"}],"wp:attachment":[{"href":"https:\/\/sprawyfrankowe.kolegial.pl\/wp-json\/wp\/v2\/media?parent=96"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}