{"id":787,"date":"2019-11-25T19:24:00","date_gmt":"2019-11-25T18:24:00","guid":{"rendered":"http:\/\/iglinski.pl\/?p=787"},"modified":"2020-01-01T19:48:56","modified_gmt":"2020-01-01T18:48:56","slug":"oplaty-uzyskanie","status":"publish","type":"post","link":"https:\/\/iglinski.pl\/index.php\/2019\/11\/25\/oplaty-uzyskanie\/","title":{"rendered":"Op\u0142aty za uzyskanie historii sp\u0142aty kredytu wci\u0105\u017c za wysokie"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"787\" class=\"elementor elementor-787\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-bf91f96 elementor-section-stretched elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"bf91f96\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b3c13c1\" data-id=\"b3c13c1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-40c3cfde elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"40c3cfde\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d03c8bb\" data-id=\"4d03c8bb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-93a7919 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"93a7919\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a74064 elementor-widget elementor-widget-heading\" data-id=\"3a74064\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">25.11.2019<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2740585 elementor-widget elementor-widget-heading\" data-id=\"2740585\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Op\u0142aty za uzyskanie historii sp\u0142aty kredytu wci\u0105\u017c za wysokie<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a2685cf elementor-widget elementor-widget-text-editor\" data-id=\"3a2685cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<!-- wp:paragraph -->\n<p><em>adw. dr Artur Igli\u0144ski, Anna Kici\u0144ska <\/em><br \/><br \/><\/p>\n<p align=\"justify\">W drugiej po\u0142owie 2019 r. wydanie przez bank historii sp\u0142aty zobowi\u0105zania kosztowa\u0142o klienta zwykle 50 z\u0142. Natomiast Deutsche Bank Polska, BG\u017b BNP Paribas, Credit Agricole \u017c\u0105da\u0142y odpowiednio 60 z\u0142, 65 z\u0142, czy nawet 150 z\u0142 i to za ka\u017cdy rozpocz\u0119ty rok kalendarzowy.<\/p>\n<p align=\"justify\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kredytobiorca, w celu skutecznego dochodzenia przed s\u0105dem swych praw, musi dysponowa\u0107 wskazanym za\u015bwiadczeniem. Absolutna wi\u0119kszo\u015b\u0107 kredyt\u00f3w we frankach by\u0142a zaci\u0105gana w latach 2007-2008. To oznacza, \u017ce zak\u0142adaj\u0105c dwunastoletni okres kredytowania, klient Deutsche Bank Polska, BG\u017b BNP Paribas, Credit Agricole musi zap\u0142aci\u0107 odpowiednio 720 z\u0142, 780 z\u0142 lub nawet1800 z\u0142! Te historie sp\u0142at przecie\u017c i tak bez problemu generuje system informatyczny, a koszt ich wydania z pewno\u015bci\u0105 nie si\u0119ga nawet 50 z\u0142.<\/p>\n<p align=\"justify\">\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 W takiej sytuacji warto zajrze\u0107 do art. 388 \u00a7 1 k.c., kt\u00f3ry okre\u015bla, \u017ce : <em>je\u017celi jedna ze stron, wyzyskuj\u0105c <u>przymusowe po\u0142o\u017cenie<\/u>, niedo\u0142\u0119stwo lub niedo\u015bwiadczenie drugiej strony, w zamian za swoje \u015bwiadczenie przyjmuje albo zastrzega dla siebie lub dla osoby trzeciej \u015bwiadczenie, kt\u00f3rego warto\u015b\u0107 w chwili zawarcia umowy przewy\u017csza <u>w ra\u017c\u0105cym stopniu<\/u> warto\u015b\u0107 jej w\u0142asnego \u015bwiadczenia, druga strona mo\u017ce \u017c\u0105da\u0107 zmniejszenia swego \u015bwiadczenia lub zwi\u0119kszenia nale\u017cnego jej \u015bwiadczenia, a w wypadku gdy jedno i drugie by\u0142oby nadmiernie utrudnione, mo\u017ce ona \u017c\u0105da\u0107 uniewa\u017cnienia umowy. <\/em><em>&#8211;<\/em> prawna definicja wyzysku. Cytowany przepis nadaje si\u0119 do zastosowania wprost lub po\u015brednio, a to w powi\u0105zaniu z mechanizmem zasad wsp\u00f3\u0142\u017cycia spo\u0142ecznego. Szczeg\u00f3\u0142owe uwagi i kwestie procesowe to ju\u017c temat innego artyku\u0142u.<\/p>\n<p align=\"justify\"><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bff6c67 elementor-widget elementor-widget-heading\" data-id=\"bff6c67\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"http:\/\/iglinski.pl\/index.php\/media\/\">Wi\u0119cej artyku\u0142\u00f3w...<\/a><\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d73783 elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"2d73783\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Capa_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 511.496 511.496\" style=\"enable-background:new 0 0 511.496 511.496;\" xml:space=\"preserve\"><g>\t<g>\t\t<g>\t\t\t<path d=\"M453.615,151.355l28.288-14.96c-5.317-10.048-11.293-19.733-17.888-28.992l-26.064,18.576     C443.731,134.08,448.964,142.557,453.615,151.355z\"><\/path>\t\t\t<path d=\"M419.055,102.891l23.36-21.872c-7.775-8.306-16.092-16.089-24.896-23.296l-20.256,24.768     C404.971,88.8,412.252,95.615,419.055,102.891z\"><\/path>\t\t\t<path d=\"M495.791,167.563l-30.032,11.04c42.696,116.111-16.819,244.849-132.93,287.544     c-116.111,42.696-244.849-16.819-287.544-132.93S62.104,88.369,178.214,45.674c64.469-23.706,136.251-16.523,194.744,19.49     l16.816-27.2C269.496-36.048,111.992,1.46,37.981,121.739S1.477,399.521,121.756,473.533     c120.279,74.011,277.783,36.504,351.794-83.775C514.62,323.013,522.816,241.123,495.791,167.563z\"><\/path>\t\t\t<polygon points=\"351.455,159.899 351.455,127.899 191.455,127.899 191.455,319.899 127.455,319.899 127.455,351.899      191.455,351.899 191.455,415.899 223.455,415.899 223.455,351.899 287.455,351.899 287.455,319.899 223.455,319.899      223.455,255.899 319.455,255.899 319.455,223.899 223.455,223.899 223.455,159.899    \"><\/polygon>\t\t<\/g>\t<\/g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>W drugiej po\u0142owie 2019 r. wydanie przez bank historii sp\u0142aty zobowi\u0105zania kosztowa\u0142o klienta zwykle 50 z\u0142. Natomiast Deutsche Bank Polska, BG\u017b BNP Paribas, Credit Agricole \u017c\u0105da\u0142y odpowiednio 60 z\u0142, 65 z\u0142, czy nawet 150 z\u0142 i to za ka\u017cdy rozpocz\u0119ty rok kalendarzowy. <\/p>\n","protected":false},"author":1,"featured_media":638,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[1],"tags":[],"uagb_featured_image_src":{"full":["https:\/\/iglinski.pl\/wp-content\/uploads\/2019\/12\/pxfuel.com-4.jpg",1920,1080,false],"thumbnail":["https:\/\/iglinski.pl\/wp-content\/uploads\/2019\/12\/pxfuel.com-4-150x150.jpg",150,150,true],"medium":["https:\/\/iglinski.pl\/wp-content\/uploads\/2019\/12\/pxfuel.com-4-300x169.jpg",300,169,true],"medium_large":["https:\/\/iglinski.pl\/wp-content\/uploads\/2019\/12\/pxfuel.com-4-768x432.jpg",768,432,true],"large":["https:\/\/iglinski.pl\/wp-content\/uploads\/2019\/12\/pxfuel.com-4-1024x576.jpg",1024,576,true],"1536x1536":["https:\/\/iglinski.pl\/wp-content\/uploads\/2019\/12\/pxfuel.com-4.jpg",1536,864,false],"2048x2048":["https:\/\/iglinski.pl\/wp-content\/uploads\/2019\/12\/pxfuel.com-4.jpg",1920,1080,false],"blog-list-post-size":["https:\/\/iglinski.pl\/wp-content\/uploads\/2019\/12\/pxfuel.com-4.jpg",350,197,false]},"uagb_author_info":{"display_name":"amilek","author_link":"https:\/\/iglinski.pl\/index.php\/author\/mczarniecki\/"},"uagb_comment_info":0,"uagb_excerpt":"W drugiej po\u0142owie 2019 r. wydanie przez bank historii sp\u0142aty zobowi\u0105zania kosztowa\u0142o klienta zwykle 50 z\u0142. Natomiast Deutsche Bank Polska, BG\u017b BNP Paribas, Credit Agricole \u017c\u0105da\u0142y odpowiednio 60 z\u0142, 65 z\u0142, czy nawet 150 z\u0142 i to za ka\u017cdy rozpocz\u0119ty rok kalendarzowy.","_links":{"self":[{"href":"https:\/\/iglinski.pl\/index.php\/wp-json\/wp\/v2\/posts\/787"}],"collection":[{"href":"https:\/\/iglinski.pl\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iglinski.pl\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iglinski.pl\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/iglinski.pl\/index.php\/wp-json\/wp\/v2\/comments?post=787"}],"version-history":[{"count":23,"href":"https:\/\/iglinski.pl\/index.php\/wp-json\/wp\/v2\/posts\/787\/revisions"}],"predecessor-version":[{"id":1125,"href":"https:\/\/iglinski.pl\/index.php\/wp-json\/wp\/v2\/posts\/787\/revisions\/1125"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iglinski.pl\/index.php\/wp-json\/wp\/v2\/media\/638"}],"wp:attachment":[{"href":"https:\/\/iglinski.pl\/index.php\/wp-json\/wp\/v2\/media?parent=787"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iglinski.pl\/index.php\/wp-json\/wp\/v2\/categories?post=787"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iglinski.pl\/index.php\/wp-json\/wp\/v2\/tags?post=787"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}