The Justice Ministry announces an acceleration in the ruling on borrowers

The Ministry of Justice announces a quicker ruling of the courts on matters relating to frank loans. Thanks to the tools introduced to improve judicial processes, borrowers can experience changes in 2024. This initiative aims to reduce the waiting time for judgments and to increase the efficiency of the judicial strategy in dealing with specified cases.

– We want the courts to regulation faster on frank cases. It will not be a one-time action, the problem will not be solved quickly, our actions will be multi-threaded. I hope that the first results of our activities in various areas will be visible this year," said Biznes Wiewiórowska-Domagalska, who was appointed as the Minister of Justice for the Protection of Consumer Rights in January.

I hope that the solutions that we will implement step by step will improve court proceedings, which will affect the velocity of ruling in franc cases," she added.

There is inactive a crucial increase in the number of fresh lawsuits brought by customers against banks, and the erstwhile court rulings in abroad exchange credit cases tend to favour borrowers.

According to the information provided by the Ministry of Justice, in 2023 alone, 90,2 1000 cases concerning claims from bank contracts denominated or indexed in Swiss francs were sent to territory and territory courts at the first instance, which represents an increase of 36 percent compared to 2022.

The intense influx of fresh credit cases caused the courts to overload, and the largest delays are noted in the territory Court in Warsaw.

– The first step we took was to strengthen the staff of the assistant court in Warsaw. The territory Court is getting 9 fresh assistants, but work is underway to make certain there are more. This is so crucial that it is simply a court in which there is about 25% of all franc cases. Personnel reinforcement should be felt, this court should decide faster," said Wiewiórowska-Domagalska.

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She declared that she wanted to guarantee that bank lawsuits on capital charges did not charge the judicial system.

– We prepare various legal analyses utilizing the Institute of Justice. The first analysis concerning the handling of claims for remuneration for the usage of capital will be ready in the second 4th of this year," said Wiewiórowska-Domagalska.

– erstwhile we find out what is the consequence of the studies carried out by the Institute of Justice, analyses will be made available to courts, we will organise a public discussion on this subject, and then the courts will make decisions.whether and to what degree they will usage possible paths. The first specified actions will be organised within a fewer months," she added.

She pointed out that the focus will now be on 2 obsaras – cooperation with courts and the improvement of issues related to the digitisation of documents, which will lead to more effective dispute resolution.

– At this point, we are discussing with the French department in Warsaw what would be the best way to digitize the act," said Wiewiórowska-Domagalska. – We're planning to train the judges., I hope that in a short time, within a fewer months, training materials will be prepared, which would be useful especially for those courts that have been dealing with franc cases recently," she added.

She besides informed that work on the database from the case law of the Court of Justice had begun.

– There is already a team, the first task was created and we are about to start consulting the courts," said Wiewiórowska-Domagalska.

Market experts have previously predicted that the fresh rulings of the EU Court of Justice should contribute to speeding up the judicial processes concerning frank loans and that 2024 could be record-breaking in terms of the number of judgments issued. According to the proxy, it is now hard to find how the influx of fresh court cases will develop.

– That depends on a fewer factors. From what policy banks will be about settlements, whether they will offer settlements to those who are not yet in court, or whether they will "provide" to enter into a court dispute. I'm certain the law firm policy will besides be important. – any of them conduct very intense promotional campaigns to win customers – and the effectiveness of these campaigns – said Wiewiórowska-Domagalska.

Frankowists have been winning franc cases for respective years, but there is inactive a large group of people who have not decided to file a lawsuit. The possible for further large influx of lawsuits exists, but to what degree it will be hard to assess, due to the fact that it depends on many factors – she added.

The Minister supports the "compatibility path"

The banks offer clients the chance to enter into an agreement on matters relating to frank loans as an alternate way of settling disputes alternatively of bringing lawsuits to courts.

The Plenipotentiary expressed the hope that the interest of both banks and customers in making specified arrangements would increase.

"I besides hope that we can advance the thought of making deals. The settlements stay viable for banks. We will strive to advance the settlement path, hoping for an increased interest of both banks and customers in concluding settlements in matters concerning frank loans," said Wiewiórowska-Domagalska.

According to the National Bank of Poland, the legal hazard associated with the portfolio of housing loans denominated in abroad currency remains a major threat to the financial stableness of the banking sector. The possible of litigation and the anticipation of further settlements forces banks to make reserves to cover possible losses.

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