The President of the Office of Competition and Consumer Protection (UOKiK), Tomasz Chróstny, accused Bank Handlowy and Bank Pocztowy, which do not correctly settle the costs of consumer loans and credits repaid before the deadline and do not return money to consumers.
"As a result of our actions, most banks correctly settle accounts with consumers who have repaid their loan or consumer loan before the deadline. However, there are shameful exceptions. Bank Handlowy and Bank Pocztowy still negatively consider complaints concerning the period before the CJEU judgment. The regulations have been in force since December 2011, the position of President of UOKiK has been known in this case for years, and the CJEU has only dispelled the doubts raised by banks around legal interpretations," Chróstny said.
As he indicated, banks had a year to change their practices in order to fully respect the rights of consumers and return the money they owed.
"Bank Handlowy and Bank Pocztowy didn’t do it, therefore I accused these two banks of violating collective consumer interests," the President of UOKiK said.
In both cases, the allegations concern the failure to reimburse consumers a proportionate part of the fees collected in the event of early loan repayment, if such repayment took place before the CJEU judgment, i.e. on September 11, 2019.