primary and most important consumer law, consumer credit issues is the possibility of breaking the agreement during the three days after its signing. If the contract there was no mention about it (which is already breaking the law by the lender) this time is extended to ten days. These ten days counted from the moment when the borrower was informed that it has the right to terminate the contract.
If the consumer repays a loan before the deadline for repayment, they are no longer accrue interest him. On that basis, the bank can not claim any claim by the consumer. However, this is only if the loan is repaid in Polish money.
The foreign exchange loans and those fixed rate during the loan agreement (if the amount is more than five thousand), then the question may be charged a fee.
Where crediting institutions are not in the contract will include the minimum information specified in this Act shall cease the same right to collect the interest payable by the consumer. The consumer is then obligated to pay the loan in the manner and date shown in the contract.
If the loan agreement are not given clear information about what is the deadline for repayment, the consumer has the right to repay the loan in equal monthly installments. The creditor, however, in the case niezamieszczenia such information in the contract, exposes himself to a fine.
more about consumer rights can be found in the source, namely the Law of 20 July 2001 on consumer credit (OJ of 18 September 2001, No. 100, item. 1081).
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