{"id":353,"date":"2016-12-27T21:02:43","date_gmt":"2016-12-27T20:02:43","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/frankowicz-upada-klopot-z-warunkami-splaty-zostaje\/"},"modified":"2025-01-27T17:02:14","modified_gmt":"2025-01-27T17:02:14","slug":"the-franc-borrower-goes-bankrupt-the-problem-with-the-repayment-terms-remains","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/the-franc-borrower-goes-bankrupt-the-problem-with-the-repayment-terms-remains\/","title":{"rendered":"Francophone falls, trouble with repayment terms remains"},"content":{"rendered":"

Let us imagine that a person who has taken out a loan indexed in Swiss francs intends to declare consumer bankruptcy. The bank claims PLN 250 thousand on the list being drawn up. The amount results from the fact that the financial institution has terminated the loan and converted the client's entire liability at the current exchange rate.<\/p>\n

And yet we can easily find court judgments (for example, in Szczecin, \u0141\u00f3d\u017a) stating that the bank has no right to recalculate the amount of the obligation when the loan is indexed in franc at the current exchange rate. To be clear: we can also easily find judgments going in the opposite direction. But if it were held that the bankrupt's claim should be recalculated in accordance with the court's instructions, its amount would fall to PLN 166,000 (instead of PLN 250,000).<\/p>\n

What does this mean in practice?<\/b><\/p>\n

For example, if the value of the flat, which the borrower disposes of under the bankruptcy declaration, is PLN 200 000, then a great deal depends on the method of conversion of the liability. In the favourable variant for the bankrupt - he does not have to repay his debts at all under the repayment plan. In the unfavourable variant - he still has to repay even PLN 50 thousand. The second variant, unfavourable for franking debtors, is commonly used by bankruptcy courts.<\/p>\n

Two proceedings<\/b><\/p>\n

Several borrowers have approached us with similar concerns. They feel cheated. They believe that, since the courts are increasingly taking the side of francophone borrowers in civil cases, there is no reason to forget about these rulings in bankruptcy proceedings. All the more so as the case will soon be one of the most significant in jurisprudence. After all, the number of bankrupt franking customers may be increasing.<\/p>\n

The thing is, before someone decides to start insolvency proceedings, it is worthwhile for them to settle any disputed issues with the bank beforehand.<\/p>\n

\n\u2013 Bankruptcy law does not provide for any special procedures for consumer bankruptcies<\/a> announced by people who took out a loan denominated in a foreign currency \u2013 admits Ma\u0142gorzata Anisimowicz, restructuring advisor and vice-president of the management board of PMR Restrukturyzacje SA.\n<\/div>\n

At the same time, he points out that this can hardly be seen as a shortcoming of bankruptcy law itself. After all, it does not serve to resolve doubts between the parties to individual loan agreements.<\/p>\n

\n- I believe that neither the task of the insolvency court nor of insolvency proceedings in general is a strictly civil analysis of the consumer's liability towards the bank. If someone questions how the amount of the liability was recalculated, they should do so earlier, in separate proceedings,' the expert stresses.\n<\/div>\n

To put it simply: if the bankrupt challenges the method of calculating the obligation towards the bank due to the day of its execution, he should first obtain a favorable judgment on the actual amount of the obligation and only then file a claim. application for declaring bankruptcy<\/a>. Otherwise, the bankruptcy court will treat him in the same way as an entrepreneur who conducts cross-border business. That is, it will recalculate the receivable at the current exchange rate.<\/p>\n

\nThe material appeared on GazetaPrawna.pl:
\n<\/b>
\n21 December 2016:
\n\" Francophone falls, trouble with repayment terms remains<\/a>\n<\/div>","protected":false},"excerpt":{"rendered":"

Wyobra\u017amy sobie, \u017ce upad\u0142o\u015b\u0107 konsumenck\u0105 zamierza og\u0142osi\u0107 osoba, kt\u00f3ra zaci\u0105gn\u0119\u0142a kredyt indeksowany we franku szwajcarskim. Bank zg\u0142asza na sporz\u0105dzan\u0105 list\u0119 wierzytelno\u015b\u0107 w wysoko\u015bci 250 tys. z\u0142. Kwota wynika z tego, \u017ce instytucja finansowa wypowiedzia\u0142a kredyt i przeliczy\u0142a ca\u0142e zobowi\u0105zanie klienta po aktualnym kursie. A przecie\u017c bez trudu znajdziemy wyroki s\u0105d\u00f3w (na przyk\u0142ad w Szczecinie, \u0141odzi), w kt\u00f3rych stwierdzono, \u017ce bank nie ma prawa przelicza\u0107 kwoty zobowi\u0105zania, gdy kredyt jest indeksowany we franku wed\u0142ug aktualnego kursu. Dla jasno\u015bci: bez trudu znajdziemy r\u00f3wnie\u017c wyroki id\u0105ce w przeciwnym kierunku. Ale gdyby uzna\u0107, \u017ce wierzytelno\u015b\u0107 upadaj\u0105cego nale\u017cy przeliczy\u0107 zgodnie ze wskazaniami s\u0105du, jej wysoko\u015b\u0107 spad\u0142aby do 166 tys. z\u0142 (zamiast 250 tys. z\u0142). Co to oznacza w praktyce? Przyk\u0142adowo, je\u015bli warto\u015b\u0107 mieszkania, kt\u00f3rego w ramach og\u0142aszanej upad\u0142o\u015bci wyzbywa si\u0119 kredytobiorca, wynosi 200 tys. z\u0142, to od metody przeliczenia zobowi\u0105zania bardzo wiele zale\u017cy. W wariancie korzystnym dla upadaj\u0105cego \u2013 nie musi on w og\u00f3le sp\u0142aca\u0107 d\u0142ug\u00f3w w ramach planu sp\u0142at. W wariancie niekorzystnym \u2013 ma do sp\u0142acenia jeszcze nawet 50 tys. z\u0142. Powszechnie stosowany przez s\u0105dy upad\u0142o\u015bciowe jest ten drugi wariant, niekorzystny dla frankowicz\u00f3w. Dwa post\u0119powania Z podobnymi w\u0105tpliwo\u015bciami zwr\u00f3ci\u0142o si\u0119 do nas kilku kredytobiorc\u00f3w. Czuj\u0105 si\u0119 oszukani. Uwa\u017caj\u0105, \u017ce skoro s\u0105dy coraz cz\u0119\u015bciej staj\u0105 po stronie frankowicz\u00f3w w sprawach cywilnych, nie ma powodu, aby zapomina\u0107 o tych orzeczeniach w ramach post\u0119powania upad\u0142o\u015bciowego. Tym bardziej \u017ce sprawa niebawem b\u0119dzie jedn\u0105 z najistotniejszych w orzecznictwie. Liczba upadaj\u0105cych frankowicz\u00f3w mo\u017ce bowiem rosn\u0105\u0107. Rzecz w tym, \u017ce zanim kto\u015b zdecyduje si\u0119 na rozpocz\u0119cie procedury upad\u0142o\u015bciowej, warto, aby wszelkie sporne z bankiem kwestie rozstrzygn\u0105\u0142 wcze\u015bniej. \u2013 Prawo upad\u0142o\u015bciowe nie przewiduje specjalnych procedur dotycz\u0105cych upad\u0142o\u015bci konsumenckich og\u0142aszanych przez osoby, kt\u00f3re zaci\u0105gn\u0119\u0142y kredyt denominowany w walucie obcej \u2013 przyznaje Ma\u0142gorzata Anisimowicz, doradca restrukturyzacyjny i wiceprezes zarz\u0105du PMR Restrukturyzacje SA. Jednocze\u015bnie zaznacza, \u017ce trudno to postrzega\u0107 jako mankament samego prawa upad\u0142o\u015bciowego. Ono bowiem nie s\u0142u\u017cy przecie\u017c rozstrzyganiu w\u0105tpliwo\u015bci pomi\u0119dzy stronami poszczeg\u00f3lnych um\u00f3w kredytowych. \u2013 Uwa\u017cam, \u017ce ani zadaniem s\u0105du upad\u0142o\u015bciowego, ani og\u00f3lnie post\u0119powania upad\u0142o\u015bciowego nie jest stricte cywilistyczna analiza zobowi\u0105zania konsumenta wzgl\u0119dem banku. Je\u015bli kto\u015b kwestionuje spos\u00f3b przeliczenia kwoty zobowi\u0105zania, powinien to czyni\u0107 wcze\u015bniej, w oddzielnym post\u0119powaniu \u2013 podkre\u015bla ekspertka. M\u00f3wi\u0105c prosto: je\u015bli upadaj\u0105cy kwestionuje metod\u0119 przeliczenia zobowi\u0105zania wobec banku z uwagi na dzie\u0144 jego dokonania, powinien najpierw uzyska\u0107 korzystny dla siebie wyrok w sprawie rzeczywistej wysoko\u015bci zobowi\u0105zania, a dopiero p\u00f3\u017aniej wyst\u0105pi\u0107 z wnioskiem o og\u0142oszenie upad\u0142o\u015bci. W przeciwnym razie s\u0105d upad\u0142o\u015bciowy potraktuje go analogicznie do przedsi\u0119biorcy, kt\u00f3ry prowadzi transgraniczn\u0105 dzia\u0142alno\u015b\u0107. Czyli przeliczy wierzytelno\u015b\u0107 po aktualnym kursie. Materia\u0142 ukaza\u0142 si\u0119 w serwisie GazetaPrawna.pl: dnia 21 grudnia 2016: \u00bb Frankowicz upada, k\u0142opot z warunkami sp\u0142aty zostaje<\/p>","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"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":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[19],"tags":[],"ppma_author":[30],"class_list":["post-353","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":30,"user_id":12,"is_guest":0,"slug":"teampmr-restructuring-pl","display_name":"Zesp\u00f3\u0142 PMR","avatar_url":{"url":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png","url2x":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/353","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/comments?post=353"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/353\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=353"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=353"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=353"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}