{"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 […]<\/p>\n","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":"","_ppma_block_editor_authors":""},"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"},"author_category":"","first_name":"Zesp\u00f3\u0142 PMR","last_name":"","user_url":"","job_title":"","description":""}],"_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}]}}