Supreme Court: 1 mistake in the credit agreement can decide on a free credit for the consumer

Zdjęcie: Sąd Najwyższy: Jeden błąd w umowie kredytowej może zdecydować o darmowym kredycie dla konsumenta Shutterstock


The ultimate Court judgement of 8 July 2026 may be of crucial importance for thousands of disputes concerning free credit sanctions. The ultimate Court overturned the recipient’s judgement of the second instance and indicated how the correctness of consumer credit agreements should be assessed. The focus included, among another things, the actual cost of credit, the RRSO, interest on credit costs, the rules for changing fees and the information obligations of banks.