{"id":5788,"date":"2016-12-27T21:36:34","date_gmt":"2016-12-27T20:36:34","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/klopoty-z-warunkami-splaty-frankowiczow-mimo-upadlosci\/"},"modified":"2025-01-27T16:59:01","modified_gmt":"2025-01-27T16:59:01","slug":"problems-with-the-repayment-conditions-of-swiss-franc-loans-despite-bankruptcy","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/problems-with-the-repayment-conditions-of-swiss-franc-loans-despite-bankruptcy\/","title":{"rendered":"Trouble over repayment terms for francophiles despite bankruptcy"},"content":{"rendered":"

Many debtors agree to a very unfavourable recalculation of the amount owed in bankruptcy proceedings. If they split the debt settlement in two, some could save up to several hundred thousand zloty.<\/p>\n

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

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

\nThe material appeared on biznes.interia.pl:
\n<\/b>
\n27 December 2016:
\n\" Francophone falls, trouble with repayment terms remains<\/a>\n<\/div>","protected":false},"excerpt":{"rendered":"

Wielu d\u0142u\u017cnik\u00f3w zgadza si\u0119 na bardzo niekorzystne przeliczenie kwoty zobowi\u0105zania w ramach post\u0119powa\u0144 upad\u0142o\u015bciowych. Gdyby podzielili odd\u0142u\u017cenie na dwie cz\u0119\u015bci, niekt\u00f3rzy mogliby zaoszcz\u0119dzi\u0107 nawet kilkaset tysi\u0119cy z\u0142otych. 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). – 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 – 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. Materia\u0142 ukaza\u0142 si\u0119 w serwisie biznes.interia.pl: dnia 27 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-5788","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\/5788","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=5788"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5788\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5788"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5788"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5788"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5788"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}