Services
Legal assistance in foreign currency loan and WIBOR cases
We provide comprehensive legal assistance in disputes with banks. We analyze each agreement individually, taking into account its content, the circumstances of its execution, the documentation provided to the borrower, and the manner in which the agreement was performed by the bank.
Our services
- individual analysis of the loan agreement, amendments, terms and conditions, and remaining documentation,
- assessment of agreement provisions regarding their compliance with the law and the possibility of pursuing claims,
- verification of how the bank fulfilled its information obligations,
- preparation of requests for the bank to issue necessary documents and certificates,
- presentation of possible courses of action and their legal and financial consequences,
- preparation of complaints, demands for payment, and other correspondence with the bank,
- representation in negotiations and settlement talks,
- preparation of the statement of claim and representation before courts of all instances,
Direct contact for support related to credit matters
Monika Radomska, Attorney-at-Law
Foreign currency loans – CHF and EUR
We analyze loan agreements indexed to and denominated in Swiss francs and euros, in particular the provisions regarding currency conversions, exchange rate determination rules, and the risks associated with entering into the agreement.
Based on the documentation, we assess the possibility of pursuing claims related, among other things, to the invalidity of the agreement, the unfair nature of its terms, and the settlements between the borrower and the bank.
We also assist in evaluating settlement proposals offered by the bank and explain their legal and financial implications.
WIBOR-based loans
We analyze loan agreements based on a variable interest rate, which includes the WIBOR benchmark and the bank’s margin.
In particular, we evaluate the content of interest rate provisions, how the rules for its changes are presented, the scope of information provided to the borrower, and how they were informed about the risks associated with a variable interest rate.
The mere use of the WIBOR benchmark does not determine the ability to challenge the agreement. Therefore, each case requires a detailed analysis of the specific contract, documentation, and the circumstances under which it was concluded.
How we work
STAGE I – Case analysis and preparation
- we review the agreement and available documentation,
- we help obtain the necessary documents and certificates from the bank,
- we assess the borrower’s legal situation,
- we present possible courses of action and potential financial consequences,
- we prepare a strategy for further action,
- where justified, we file a complaint or a demand for payment,
- we analyze the possibility of an out-of-court settlement.
STAGE II – Negotiations and court proceedings
- we conduct negotiations and settlement talks with the bank,
- we prepare the statement of claim and other court pleadings,
- we represent the client in court,
- we keep the client updated on the progress of the proceedings and changes in case law,
- we support the client in settling the court judgment or executed settlement,
- we take actions aimed at enforcing a favorable decision.
contact
If you run a business and look for a partner to provide you with legal services, please do not hesitate to contact us.
contact:
+48 669 561 522
biuro@henclewskiwyjatek.pl