ODZYSKAJ SWOJE PIENIĄDZE! KREDYT ZA DARMO! PRZEŁOMOWY WYROK TSUE. SANKCJA KREDYTU DARMOWEGO.

Free Credit Sanction – an opportunity for borrowers or a myth? In the latest episode, we discuss the Free Credit Sanction (FCS) – a solution that can allow borrowers to recover significant amounts from banks and financial institutions. We explain: ✅ what the Free Credit Sanction is, ✅ who can benefit from it, ✅ what errors in loan agreements can lead to the application of FCS, ✅ what the benefits and risks of pursuing a claim against a bank are, ✅ what the process of pursuing a claim against a bank looks like. If you are repaying or have repaid a consumer loan, this episode can help you understand whether your agreement was concluded in accordance with applicable regulations. 🎙️ Listen to the conversation and learn what to consider before deciding to pursue your rights. 👉 Subscribe, like the video, and share your opinion in the comments. 00:00 - Intro: Free Credit and Recoverable Money 00:42 - Guest on the episode and the topic of free credit sanctions 3:12 - Who does free credit apply to? 3:43 - What exactly is the free credit sanction? 5:54 - What disclosure obligations do banks and lenders have? 6:30 - What loans and credits does this sanction apply to? 9:41 - New CJEU ruling and why is it so important? 12:36 - What errors in a contract allow a loan to be challenged? 14:10 - Banks, payday loans, credit unions, and parabanks 15:23 - Which mortgage loans are eligible? 19:23 - How does free credit work in practice? 21:29 - Can you recover your money after repaying the loan? 22:33 - How much time do we have to submit a declaration? 24:22 - What if the loan exceeds the statutory limit? 25:00 - How to formally benefit from the free loan sanction? 27:42 - Do I need to indicate all the bank's errors in the declaration? 30:34 - Is it worth reviewing the contract with a lawyer first? 31:05 - Who covers the costs of the process and the lawyer? 33:02 - Where to seek help if you can't afford an attorney? 34:46 - Where to start: declaration or contract analysis? 35:52 - Example of a case won against a bank 38:24 - Can you pay a lower installment during the process? 39:18 - Old loans and differences in terms 40:22 - Does the sanction also apply to new contracts? 42:19 - Why are loans in Poland so expensive? 42:51 - What should you do with your contract now? 44:04 - Summary and conclusion