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

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


The judgement of the ultimate Court of 8 July 2026 may be of crucial importance for thousands of disputes regarding free debt sanctions. The ultimate Court overturned the judgement of the court of second instance, which was unfavourable to the borrower, and indicated how the correctness of consumer credit agreements should be assessed. The focus was on m.in the actual cost of the loan, the APR, interest charged on the borrowed costs, the rules for changing fees and the information obligations of banks.