{"id":12935,"date":"2023-06-15T13:07:15","date_gmt":"2023-06-15T13:07:15","guid":{"rendered":"https:\/\/klodzinskikancelaria.pl\/?p=12935"},"modified":"2026-07-17T09:42:27","modified_gmt":"2026-07-17T09:42:27","slug":"tsue-c-520-21-to-banki-klientom-a-nie-klienci-bankom-beda-musieli-placic","status":"publish","type":"post","link":"https:\/\/klodzinskikancelaria.pl\/en\/tsue-c-520-21-banks-will-have-to-pay-customers-and-not-customers-will-have-to-pay-banks\/","title":{"rendered":"CJEU C-520\/21: Banks will have to pay customers, not customers paying banks"},"content":{"rendered":"<article class=\"kk-article\">\n<p class=\"kk-lead\">Prze\u0142omowy wyrok TSUE w sprawie C-520\/21 stawia banki w trudnej pozycji, orzekaj\u0105c, \u017ce to instytucje finansowe, a nie konsumenci, mog\u0105 by\u0107 zmuszone do p\u0142acenia odsetek i rekompensat po uniewa\u017cnieniu wadliwej umowy. Frankowicze zyskuj\u0105 pot\u0119\u017cny or\u0119\u017c do \u017c\u0105dania \u015bwiadcze\u0144 wykraczaj\u0105cych poza prosty zwrot uiszczonych rat.<\/p>\n<div class=\"kk-box\">\n<p class=\"kk-box-title\">\ud83d\udca1 Najwa\u017cniejsze wnioski z wyroku TSUE<\/p>\n<ul>\n<li>W przypadku uniewa\u017cnienia umowy kredytu frankowego ze wzgl\u0119du na nieuczciwe warunki (klauzule abuzywne), <strong>bank nie ma prawa \u017c\u0105da\u0107 od konsumenta rekompensaty<\/strong> za tzw. bezumowne korzystanie z kapita\u0142u. Kredytobiorca oddaje tylko tyle, ile po\u017cyczy\u0142.<\/li>\n<li>To <strong>konsument ma prawo \u017c\u0105da\u0107 od banku dodatkowej rekompensaty<\/strong>, odsetek lub odszkodowania wykraczaj\u0105cego poza zwyk\u0142y zwrot wp\u0142aconych rat i prowizji.<\/li>\n<li>S\u0105d unijny potwierdzi\u0142, \u017ce system prawny UE chroni konsument\u00f3w i karze instytucje finansowe za niew\u0142a\u015bciwe informowanie o ryzyku kursowym i stosowanie nieuczciwych um\u00f3w.<\/li>\n<\/ul>\n<\/div>\n<nav class=\"kk-toc\" aria-label=\"Contents\">\n<p class=\"kk-toc-title\">\ud83d\udccb Contents<\/p>\n<ol>\n<li><a href=\"#tsue-c-520-21\">Znaczenie wyroku TSUE (sprawa C-520\/21)<\/a><\/li>\n<li><a href=\"#koniec-roszczen\">Koniec bezpodstawnych roszcze\u0144 bank\u00f3w<\/a><\/li>\n<li><a href=\"#dodatkowe-odszkodowania\">Prawo klient\u00f3w do dodatkowych odszkodowa\u0144 i odsetek<\/a><\/li>\n<li><a href=\"#wsparcie-prawne\">Jak dochodzi\u0107 swoich praw po wyroku TSUE?<\/a><\/li>\n<\/ol>\n<\/nav>\n<blockquote class=\"kk-quote\"><p><strong>Wyrok TSUE to historyczne zwyci\u0119stwo konsument\u00f3w. Instytucje kredytowe nie b\u0119d\u0105 mog\u0142y \u017c\u0105da\u0107 odsetek ani innych op\u0142at przekraczaj\u0105cych czysty kapita\u0142 udost\u0119pniony w dniu zaci\u0105gni\u0119cia kredytu. Frankowicze mog\u0105 odetchn\u0105\u0107 z ulg\u0105.<\/strong><\/p><\/blockquote>\n<h1>Wyrok TSUE w sprawie frankowicz\u00f3w: To banki b\u0119d\u0105 p\u0142aci\u0107 klientom<\/h1>\n<h2 id=\"tsue-c-520-21\">Znaczenie wyroku TSUE (sprawa C-520\/21)<\/h2>\n<p>Dzisiejszy wyrok Trybuna\u0142u Sprawiedliwo\u015bci Unii Europejskiej (TSUE) przynosi arcywa\u017cne rozstrzygni\u0119cia dla tysi\u0119cy konsument\u00f3w. Rozpatruj\u0105c pytania prejudycjalne zadane przez polski s\u0105d (sygn. C-520\/21), unijny Trybuna\u0142 ustali\u0142 wyra\u017an\u0105 i jednostronn\u0105 lini\u0119 orzecznicz\u0105 na korzy\u015b\u0107 obywateli: w przypadku stwierdzenia niewa\u017cno\u015bci umowy, prawo stoi po stronie s\u0142abszego konsumenta, kt\u00f3ry zawar\u0142 umow\u0119 frankow\u0105 w dobrej wierze, nie b\u0119d\u0105c nale\u017cycie poinformowanym o ryzyku drastycznych waha\u0144 kursu franka szwajcarskiego na przestrzeni lat.<\/p>\n<h2 id=\"koniec-roszczen\">Koniec bezpodstawnych roszcze\u0144 bank\u00f3w<\/h2>\n<p>Z powodu masowych uniewa\u017cnie\u0144 um\u00f3w o kredyty indeksowane lub denominowane do walut obcych (CHF), polskie banki od d\u0142u\u017cszego czasu straszy\u0142y konsument\u00f3w tzw. <em>pozwami o bezumowne korzystanie z kapita\u0142u<\/em>. Twierdzi\u0142y, \u017ce skoro umowa upada i jest traktowana tak, jakby nigdy nie istnia\u0142a, to bankowi nale\u017cy si\u0119 rynkowe wynagrodzenie (odsetki) za to, \u017ce klient przez kilkana\u015bcie lat u\u017cywa\u0142 udost\u0119pnionych przez bank pieni\u0119dzy.<\/p>\n<p>Wyrok TSUE kategorycznie <strong>pozbawi\u0142 banki prawa<\/strong> do formu\u0142owania takich \u017c\u0105da\u0144. Instytucja, kt\u00f3ra sama doprowadzi\u0142a do zastosowania niedozwolonych klauzul umownych, nie mo\u017ce czerpa\u0107 z tego tytu\u0142u \u017cadnych dodatkowych korzy\u015bci maj\u0105tkowych.<\/p>\n<h2 id=\"dodatkowe-odszkodowania\">Prawo klient\u00f3w do dodatkowych odszkodowa\u0144 i odsetek<\/h2>\n<p>Decyzja TSUE idzie jednak o krok dalej \u2013 daje zielone \u015bwiat\u0142o konsumentom! Ustalono bowiem, \u017ce dyrektywa unijna 93\/13 nie stoi na przeszkodzie, by to <strong>konsument \u017c\u0105da\u0142 od banku rekompensaty<\/strong>, odsetek, a nawet zado\u015b\u0107uczynienia przekraczaj\u0105cego prosty zwrot kapita\u0142u. Wielu klient\u00f3w odczu\u0142o drastyczne i niejednokrotnie \u017cyciowe trudno\u015bci z powodu lawinowego wzrostu rat, trac\u0105c stabilno\u015b\u0107 finansow\u0105. Teraz otwieraj\u0105 si\u0119 furtki do dochodzenia szerszych roszcze\u0144 odszkodowawczych za szkody wywo\u0142ane nieuczciwym produktem bankowym (oczywi\u015bcie w ramach indywidualnego, krajowego post\u0119powania cywilnego).<\/p>\n<h2 id=\"wsparcie-prawne\">Jak dochodzi\u0107 swoich praw po wyroku TSUE?<\/h2>\n<p>Na dzie\u0144 dzisiejszy ponad 90% spraw frankowych w Polsce rozpatrywanych jest przez s\u0105dy pozytywnie (na korzy\u015b\u0107 konsumenta), a najnowszy wyrok TSUE tylko ten trend przypiecz\u0119tuje, pozbawiaj\u0105c banki ich najgro\u017aniejszego argumentu-straszaka.<\/p>\n<p>Cho\u0107 w naszej Kancelarii nie prowadzimy bezpo\u015brednio post\u0119powa\u0144 stricte frankowych (ustalanie niewa\u017cno\u015bci um\u00f3w), to wsp\u00f3\u0142pracujemy z najlepszymi kancelariami specjalizuj\u0105cymi si\u0119 w tej dziedzinie i z przyjemno\u015bci\u0105 wska\u017cemy Pa\u0144stwu sprawdzonych ekspert\u00f3w. Ponadto <strong>sami na drodze post\u0119powania cywilnego wspomo\u017cemy w dochodzeniu dodatkowych, odr\u0119bnych odszkodowa\u0144 i rekompensat od banku<\/strong>, je\u017celi w Pa\u0144stwa indywidualnym przypadku zasz\u0142y wymierne szkody wykraczaj\u0105ce poza zwrot samej kwoty rat.<\/p>\n<div class=\"kk-author-box\">\n<a href=\"https:\/\/klodzinskikancelaria.pl\/en\/tsue-c-520-21\/\">Przeczytaj pe\u0142en komunikat dotycz\u0105cy wyroku TSUE: C-520\/21 na stronie Kancelarii.<\/a>\n<\/div>\n<\/article>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-left kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;left&quot;,&quot;id&quot;:&quot;12935&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;Rate this post&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;TSUE C-520\\\/21: To banki klientom, a nie klienci bankom, b\u0119d\u0105 musieli p\u0142aci\u0107&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\">Rate this post<\/span>\n    <\/div>\n    <\/div>","protected":false},"excerpt":{"rendered":"<p>A landmark ruling by the ECJ in case C-520\/21 puts banks in a difficult position, deciding that financial institutions, rather than consumers, may be forced to pay interest and compensation after a flawed contract is annulled. 'Frankowicze' (borrowers with Swiss franc-denominated loans) gain a powerful tool to demand benefits beyond the simple repayment of instalments paid. \ud83d\udca1 Key takeaways from the ECJ ruling In the event of a credit agreement annulment\u2026<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/klodzinskikancelaria.pl\/en\/tsue-c-520-21-banks-will-have-to-pay-customers-and-not-customers-will-have-to-pay-banks\/\"> <span class=\"screen-reader-text\">CJEU C-520\/21: Banks will have to pay customers, not customers paying banks<\/span> Read More \u00bb<\/a><\/p>","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","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":"","ast-breadcrumbs-content":"","ast-featured-img":"","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":""},"categories":[32],"tags":[],"uslugi-categories":[],"class_list":["post-12935","post","type-post","status-publish","format-standard","hentry","category-prawo-cywilne"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.10 (Yoast SEO v23.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>TSUE C-520\/21: To banki klientom, a nie klienci bankom, b\u0119d\u0105 musieli p\u0142aci\u0107<\/title>\n<meta name=\"description\" content=\".... odsetki. 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