Pozwy frankowe przytłaczają polskie sądy

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Skala tak dużego wzrostu jest zrozumiała. Wielu kredytobiorców zachęciła do złożenia pozwu korzystna dla nich decyzja TSUE. Skutkiem tego niektóre z nich odnotowały nawet blisko 200-procentowe wzrosty liczby spraw frankowych. Banki już powinny rozważać bardziej korzystne ugodowe rozwiązania konfliktów. - opisuje radca prawny Adam Goska, specjalista ds. sporów frankowych." /> <link rel="canonical" href="https://www.polon.pl/finanse/pozwy-frankowe-przytlaczaja-polskie-sady/" /> <meta property="og:locale" content="pl_PL" /> <meta property="og:type" content="article" /> <meta property="og:title" content="Pozwy frankowe przytłaczają polskie sądy - Polon.pl" /> <meta property="og:description" content="Według najnowszych statystyk, od początku br. do końca trzeciego kwartału do sądów okręgowych w całym kraju wpłynęło o jedną trzecią więcej spraw frankowych niż rok wcześniej. Skala tak dużego wzrostu jest zrozumiała. Wielu kredytobiorców zachęciła do złożenia pozwu korzystna dla nich decyzja TSUE. Skutkiem tego niektóre z nich odnotowały nawet blisko 200-procentowe wzrosty liczby spraw frankowych. Banki już powinny rozważać bardziej korzystne ugodowe rozwiązania konfliktów. - opisuje radca prawny Adam Goska, specjalista ds. sporów frankowych." /> <meta property="og:url" content="https://www.polon.pl/finanse/pozwy-frankowe-przytlaczaja-polskie-sady/" /> <meta property="og:site_name" content="Polon.pl" /> <meta property="article:publisher" content="https://www.facebook.com/P0L0Npl/" /> <meta property="article:published_time" content="2023-12-07T06:00:00+00:00" /> <meta property="article:modified_time" content="2023-12-06T21:16:21+00:00" /> <meta property="og:image" content="https://www.polon.pl/wp-content/uploads/2023/10/frankowicze_w_sadzie_c_mondaynews.pl_.jpg" /> <meta property="og:image:width" content="1163" /> <meta property="og:image:height" content="654" /> <meta property="og:image:type" content="image/jpeg" /> <meta name="author" content="Adrian Goska" /> <meta name="twitter:card" content="summary_large_image" /> <meta name="twitter:creator" content="@polonpl_" /> <meta name="twitter:site" content="@polonpl_" /> <meta name="twitter:label1" content="Napisane przez" /> <meta name="twitter:data1" content="Mariusz Marszałkowski" /> <meta name="twitter:label2" content="Szacowany czas czytania" /> <meta name="twitter:data2" content="6 minut" /> <script type="application/ld+json" class="yoast-schema-graph">{"@context":"https://schema.org","@graph":[{"@type":"Article","@id":"https://www.polon.pl/finanse/pozwy-frankowe-przytlaczaja-polskie-sady/#article","isPartOf":{"@id":"https://www.polon.pl/finanse/pozwy-frankowe-przytlaczaja-polskie-sady/"},"author":{"@id":"https://www.polon.pl/#/schema/person/image/ed27aa7deac032f56514156974272e60"},"headline":"Pozwy frankowe przytłaczają polskie sądy","datePublished":"2023-12-07T06:00:00+00:00","dateModified":"2023-12-06T21:16:21+00:00","mainEntityOfPage":{"@id":"https://www.polon.pl/finanse/pozwy-frankowe-przytlaczaja-polskie-sady/"},"wordCount":1139,"publisher":{"@id":"https://www.polon.pl/#organization"},"image":{"@id":"https://www.polon.pl/finanse/pozwy-frankowe-przytlaczaja-polskie-sady/#primaryimage"},"thumbnailUrl":"https://www.polon.pl/wp-content/uploads/2023/10/frankowicze_w_sadzie_c_mondaynews.pl_.jpg","keywords":["finanse","Kredyty","Polska"],"articleSection":["Finanse"],"inLanguage":"pl-PL","copyrightYear":"2023","copyrightHolder":{"@id":"https://www.polon.pl/#organization"}},{"@type":"WebPage","@id":"https://www.polon.pl/finanse/pozwy-frankowe-przytlaczaja-polskie-sady/","url":"https://www.polon.pl/finanse/pozwy-frankowe-przytlaczaja-polskie-sady/","name":"Pozwy frankowe przytłaczają polskie sądy - Polon.pl","isPartOf":{"@id":"https://www.polon.pl/#website"},"primaryImageOfPage":{"@id":"https://www.polon.pl/finanse/pozwy-frankowe-przytlaczaja-polskie-sady/#primaryimage"},"image":{"@id":"https://www.polon.pl/finanse/pozwy-frankowe-przytlaczaja-polskie-sady/#primaryimage"},"thumbnailUrl":"https://www.polon.pl/wp-content/uploads/2023/10/frankowicze_w_sadzie_c_mondaynews.pl_.jpg","datePublished":"2023-12-07T06:00:00+00:00","dateModified":"2023-12-06T21:16:21+00:00","description":"Według najnowszych statystyk, od początku br. do końca trzeciego kwartału do sądów okręgowych w całym kraju wpłynęło o jedną trzecią więcej spraw frankowych niż rok wcześniej. Skala tak dużego wzrostu jest zrozumiała. Wielu kredytobiorców zachęciła do złożenia pozwu korzystna dla nich decyzja TSUE. Skutkiem tego niektóre z nich odnotowały nawet blisko 200-procentowe wzrosty liczby spraw frankowych. 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class="search-link search-all-button"> <i class="fa fa-search"></i> View All Result </div> </div></div> </div> </div> </div> </div> </div></div> <div class="sticky_blankspace" style="height: 60px;"></div> </div> <div class="jeg_ad jeg_ad_top jnews_header_bottom_ads"> <div class='ads-wrapper '></div> </div> <div class="post-wrapper"> <div class="post-wrap" > <div class="jeg_main "> <div class="jeg_container"> <div class="jeg_content jeg_singlepage"> <div class="container"> <div class="jeg_ad jeg_article_top jnews_article_top_ads"> <div class='ads-wrapper '></div> </div> <div class="entry-header"> <h1 class="jeg_post_title">Pozwy frankowe przytłaczają polskie sądy</h1> <h2 class="jeg_post_subtitle">Według najnowszych statystyk, od początku br. do końca trzeciego kwartału do sądów okręgowych w całym kraju wpłynęło o jedną trzecią więcej spraw frankowych niż rok wcześniej. Skala tak dużego wzrostu jest zrozumiała. Wielu kredytobiorców zachęciła do złożenia pozwu korzystna dla nich decyzja TSUE. Skutkiem tego niektóre z nich odnotowały nawet blisko 200-procentowe wzrosty liczby spraw frankowych. Banki już powinny rozważać bardziej korzystne ugodowe rozwiązania konfliktów. - opisuje radca prawny Adam Goska, specjalista ds. sporów frankowych. </h2> <div class="jeg_meta_container"><div class="jeg_post_meta jeg_post_meta_2"> <div class="meta_left"> <div class="jeg_meta_author">  <div class="pp-multiple-authors-boxes-wrapper pp-multiple-authors-wrapper pp-multiple-authors-layout-inline multiple-authors-target-shortcode box-post-id-143 box-instance-id-1 ppma_boxes_143" data-post_id="143" data-instance_id="1" data-additional_class="pp-multiple-authors-layout-inline.multiple-authors-target-shortcode" data-original_class="pp-multiple-authors-boxes-wrapper pp-multiple-authors-wrapper box-post-id-143 box-instance-id-1"> <span class="ppma-layout-prefix"></span> <div class="ppma-author-category-wrap"> <span class="ppma-category-group ppma-category-group-"> <ul class="pp-multiple-authors-boxes-ul"> <li class="pp-multiple-authors-boxes-li author_index_0 author_adrian-goska has-avatar"> <div class="pp-author-boxes-avatar"> <img alt='Adrian Goska' src='https://www.polon.pl/wp-content/uploads/2023/12/adrian-goska-e1701896322592.jpg' srcset='https://www.polon.pl/wp-content/uploads/2023/12/adrian-goska-e1701896322592.jpg' class='multiple_authors_guest_author_avatar avatar' height='30' width='30'/> </div> <div class="pp-author-boxes-avatar-details"> <div class="pp-author-boxes-name multiple-authors-name"> <a href="https://www.polon.pl/author/adrian-goska/" rel="author" title="Adrian Goska" class="author url fn">Adrian Goska</a> </div> </div> </li> </ul> </span> </div> <span class="ppma-layout-suffix"></span> </div>  <style> .pp-multiple-authors-boxes-wrapper.box-post-id-143.pp-multiple-authors-layout-inline.multiple-authors-target-shortcode.box-instance-id-1 .pp-author-boxes-avatar img { width: 30px !important; 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} </style> </div> <div class="jeg_meta_date"> <a href="https://www.polon.pl/finanse/pozwy-frankowe-przytlaczaja-polskie-sady/">2023/12/07</a> </div> <div class="jeg_meta_category"> <span><span class="meta_text">w</span> <a href="https://www.polon.pl/kategoria/finanse/" rel="category tag">Finanse</a> </span> </div> </div> <div class="meta_right"> </div> </div></div> </div> <div class="row"> <div class="jeg_main_content col-md-8"> <div class="jeg_inner_content"> <div class="jeg_featured featured_image "><a href="https://www.polon.pl/wp-content/uploads/2023/10/frankowicze_w_sadzie_c_mondaynews.pl_.jpg"><div class="thumbnail-container" style="padding-bottom:71.467%"><img width="750" height="536" src="https://www.polon.pl/wp-content/uploads/2023/10/frankowicze_w_sadzie_c_mondaynews.pl_-750x536.jpg" class="attachment-jnews-750x536 size-jnews-750x536 wp-post-image" alt="Franki for. mondaynews" decoding="async" fetchpriority="high" srcset="https://www.polon.pl/wp-content/uploads/2023/10/frankowicze_w_sadzie_c_mondaynews.pl_-750x536.jpg 750w, https://www.polon.pl/wp-content/uploads/2023/10/frankowicze_w_sadzie_c_mondaynews.pl_-120x86.jpg 120w, https://www.polon.pl/wp-content/uploads/2023/10/frankowicze_w_sadzie_c_mondaynews.pl_-350x250.jpg 350w" sizes="(max-width: 750px) 100vw, 750px" /></div><p class="wp-caption-text">Franki for. mondaynews </p></a></div> <div class="jeg_share_top_container"><div class="jeg_share_button clearfix"> <div class="jeg_share_stats"> </div> <div class="jeg_sharelist"> <a href="https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.polon.pl%2Ffinanse%2Fpozwy-frankowe-przytlaczaja-polskie-sady%2F" rel='nofollow' class="jeg_btn-facebook expanded"><i class="fa fa-facebook-official"></i><span>Share on Facebook</span></a><a href="https://twitter.com/intent/tweet?text=Pozwy%20frankowe%20przyt%C5%82aczaj%C4%85%20polskie%20s%C4%85dy&url=https%3A%2F%2Fwww.polon.pl%2Ffinanse%2Fpozwy-frankowe-przytlaczaja-polskie-sady%2F" rel='nofollow' class="jeg_btn-twitter expanded"><i class="fa fa-twitter"></i><span>Share on Twitter</span></a> <div class="share-secondary"> <a href="https://www.linkedin.com/shareArticle?url=https%3A%2F%2Fwww.polon.pl%2Ffinanse%2Fpozwy-frankowe-przytlaczaja-polskie-sady%2F&title=Pozwy%20frankowe%20przyt%C5%82aczaj%C4%85%20polskie%20s%C4%85dy" rel='nofollow' class="jeg_btn-linkedin "><i class="fa fa-linkedin"></i></a><a href="https://www.pinterest.com/pin/create/bookmarklet/?pinFave=1&url=https%3A%2F%2Fwww.polon.pl%2Ffinanse%2Fpozwy-frankowe-przytlaczaja-polskie-sady%2F&media=https://www.polon.pl/wp-content/uploads/2023/10/frankowicze_w_sadzie_c_mondaynews.pl_.jpg&description=Pozwy%20frankowe%20przyt%C5%82aczaj%C4%85%20polskie%20s%C4%85dy" rel='nofollow' class="jeg_btn-pinterest "><i class="fa fa-pinterest"></i></a> </div> <a href="#" class="jeg_btn-toggle"><i class="fa fa-share"></i></a> </div> </div></div> <div class="jeg_ad jeg_article jnews_content_top_ads "><div class='ads-wrapper '></div></div> <div class="entry-content no-share"> <div class="jeg_share_button share-float jeg_sticky_share clearfix share-normal"> <div class="jeg_share_float_container"></div> </div> <div class="content-inner "> <h2 class="wp-block-heading"><strong>Coraz bardziej oblężone sądy</strong></h2> <p>Obserwowany na co dzień paraliż sądownictwa sprawami frankowymi znajduje potwierdzenie w najnowszych statystykach. W trzech pierwszych kwartałach br. w sądach okręgowych w całej Polsce było łącznie aż o jedną trzecią więcej tego typu spraw niż rok wcześniej. Wskazując dokładniej, wzrost wyniósł prawie 59 tys. (w analogicznym okresie ub.r. – blisko 45 tys.) i przekroczył 30%. Natomiast jego skala była do przewidzenia. Można wymienić przynajmniej trzy przyczyny takiej sytuacji.</p> <p>Pierwszym i zapewne najważniejszym bodźcem do wzrostu liczby spraw frankowych w sądach była decyzja Trybunału Sprawiedliwości UE (TSUE), który po raz kolejny stanął po stronie konsumentów. Druga istotna przyczyna zaistniałej sytuacji tkwi w tym, że wygrane wielu frankowiczów zachęciły do wejścia na drogę sądową kolejnych kredytobiorców. Trzeci powód to rosnąca świadomość prawna konsumentów.</p> <p>Wyraźny wzrost liczby spraw frankowych ewidentnie świadczy o coraz większej determinacji konsumentów do kwestionowania niekorzystnych warunków umów kredytowych i ich wierze w możliwość uzyskania sprawiedliwego rozstrzygnięcia. Statystyki pokazują, że frankowicze zyskują na sile i pewności w starciu z bankami, które muszą teraz bardziej liczyć się z możliwością przegranej w sądzie i długotrwałego obciążenia finansowego, związanego z procesami sądowymi. Mogą one odczuwać presję, aby rozważyć bardziej korzystne ugodowe rozwiązania konfliktów. To właściwie jedyny sposób na poprawę sytuacji w sądach.</p> <p>Dla sądownictwa ww. wzrost jest oczywiście znacznym obciążeniem, o którym często mówi się przed salą rozpraw. W związku z oblężeniem sądów przez frankowiczów wszystkie procesy toczą się wolniej. Pewną ulgą może być jedynie to, że sędziowie coraz szybciej rozpatrują sprawy frankowe.</p> <h2 class="wp-block-heading"><strong>Wzrosty sięgają prawie 200</strong> <strong>procent</strong></h2> <p>Należy zwrócić uwagę na to, że w wielu sądach okręgowych wzrosty liczby spraw frankowych rdr. są trzycyfrowe. Patrząc na dane procentowe, najwyższy z nich odnotowano w Sądzie Okręgowym w Zamościu – bo aż o blisko 193 procent. Drugi w tym zestawieniu jest SO w Krośnie – ponad 171 procent rdr. W czołówce widać też SO Warszawa-Praga w Warszawie – niespełna 171 procent rdr., a także SO w Opolu – blisko 160 procent rdr.</p> <p>Mocne wzrosty liczby pozwów w wielu sądach okręgowych są efektem nowej regulacji dot. wyłącznej właściwości sądu miejsca zamieszkania konsumenta, zgodnie z art. 18 ustawy z dnia 9 marca 2023 roku o zmianie ustawy – Kodeks postępowania cywilnego oraz niektórych innych ustaw. Tak duże przyrosty mogą istotnie wpłynąć na wydłużenie czasu oczekiwania na wyroki. Dodatkowa ilość spraw może doprowadzić do większego obciążenia sądów, w tym samych sędziów. A to może wydłużyć czas oczekiwania na rozstrzygnięcie.</p> <p>Ostateczny wpływ nowej regulacji na funkcjonowanie sądów będzie można ocenić za ok. dwa lata, gdy zakończy się znaczna część procesów, które teraz je obciążają. Choć wydłużające się oczekiwanie na rozprawę może być pewnym czynnikiem odstraszającym frankowiczów, to zabezpieczenie powództwa jest kluczowym narzędziem, niwelującym negatywne skutki czekania. Oznacza ono zakaz pobierania przez bank rat kredytowych na czas trwania procesu i przynosi kredytobiorcom wymierne korzyści już w trakcie trwania sprawy.</p> <h2 class="wp-block-heading"><strong>Warszawa jedyna ze spadkiem</strong></h2> <p>Wspomniana zmiana przepisów przełożyła się również na wynik Sądu Okręgowego w Warszawie. W ciągu trzech pierwszych kwartałów br. wpłynęło tam ponad 13 tys. spraw frankowych. Rok wcześniej odnotowano 20 tysięcy, co oznacza spadek o blisko 35 procent rdr. To jedyny sąd okręgowy w całym kraju, który jest na minusie, patrząc na dane procentowe. Jednak pod względem wpływu liczby spraw frankowych wciąż jest na pierwszym miejscu w Polsce. W ścisłej czołówce widać też SO w Poznaniu – przeszło 6 tys. (wzrost rdr. o ponad 128%), a także w Gdańsku – niespełna 5 tys. (skok o 35 procent rdr.).</p> <p>Efekty wprowadzenia nowej regulacji będą widoczne w SO w Warszawie najwcześniej za półtora roku lub za dwa lata, gdy zakończą się trwające teraz procesy. Obecne obciążenie sądów sprawami frankowymi jest wynikiem wielu lat zaniedbań i braku odpowiednich przepisów. I dopiero długofalowe, równomierne rozłożenie pozwów może przyczynić się do zmniejszenia obciążeń. Jednak frankowicze nie powinni czekać na ewentualne zmiany w Warszawie, a rozważyć dochodzenie swoich praw na drodze sądowej już teraz. To oczywiście również wpłynie na statystyki sądu.</p> <p>Natomiast każdy rozpoczęty spór sądowy działa na niekorzyść banków, które są zmuszone do ponoszenia dodatkowych kosztów prawnych i zakładania kolejnych rezerw. Banki rzadko składają atrakcyjne propozycje ugód przed rozpoczęciem procesu sądowego. Najkorzystniejsze oferty ugodowe pojawiają się zazwyczaj dopiero po zainicjowaniu działań prawnych i uzyskaniu pozytywnego wyroku w pierwszej instancji.</p> <h2 class="wp-block-heading"><strong>Prognozy i istotne zalecenia</strong></h2> <p>Z perspektywy sądów, warto kontynuować monitorowanie wpływu zmiany przepisów na praktykę sądową i oceniać je na podstawie długoterminowych danych i obserwacji. Można przypuszczać, że pierwsze pozytywne efekty będą widoczne po okresie przejściowym, kiedy to sądy dostosują swoje procedury operacyjne do nowych realiów. Dopiero wtedy będzie można ocenić, czy i w jakim stopniu zmiany przyniosły oczekiwane ulepszenia w funkcjonowaniu wymiaru sprawiedliwości.</p> <p>Można również zakładać, że liczba spraw w Sądzie Okręgowym w Warszawie w dalszym ciągu będzie spadać, a w pozostałych placówkach w kraju sytuacja się ustabilizuje w ciągu najbliższych kilku lat. Oczywiście w każdym sądzie może to nastąpić w innym czasie, bo wiele zależy od indywidualnej sytuacji, w tym sposobu zarządzania. Natomiast ogólnie należy oczekiwać dalszego wzrostu liczby pozwów przeciwko bankom w sprawach kredytów frankowych w nadchodzących miesiącach i w ciągu przyszłego roku. Z uwagi na to, że wiele osób już podjęło sądową walkę, kolejne skoki mogą być nieco mniej wyraźne, ale wiąż jeszcze istotne.</p> <p>Tendencja wzrostowa jest nie do powstrzymania. Napędzana jest rosnącą świadomością kredytobiorców o swoich prawach, co skłania ich do aktywnego dochodzenia roszczeń na drodze sądowej. Dodatkowo obserwuje się coraz więcej korzystnych wyroków, które zachęcają kolejne osoby do podejmowania podobnych kroków. Banki musiałyby przygotować naprawdę dobre propozycje ugód, żeby wyhamować ten trend. Inaczej pozwów w sądach będzie dalej przybywać.</p>  <div class="pp-multiple-authors-boxes-wrapper pp-multiple-authors-wrapper pp-multiple-authors-layout-boxed multiple-authors-target-the-content box-post-id-146 box-instance-id-1 ppma_boxes_146" data-post_id="146" data-instance_id="1" data-additional_class="pp-multiple-authors-layout-boxed.multiple-authors-target-the-content" data-original_class="pp-multiple-authors-boxes-wrapper pp-multiple-authors-wrapper box-post-id-146 box-instance-id-1"> <span class="ppma-layout-prefix"></span> <div class="ppma-author-category-wrap"> <span class="ppma-category-group ppma-category-group-"> <ul class="pp-multiple-authors-boxes-ul"> <li class="pp-multiple-authors-boxes-li author_index_0 author_adrian-goska has-avatar"> <div class="pp-author-boxes-avatar"> <img alt='Adrian Goska' src='https://www.polon.pl/wp-content/uploads/2023/12/adrian-goska-e1701896322592.jpg' srcset='https://www.polon.pl/wp-content/uploads/2023/12/adrian-goska-e1701896322592.jpg' class='multiple_authors_guest_author_avatar avatar' height='80' width='80'/> </div> <div class="pp-author-boxes-avatar-details"> <div class="pp-author-boxes-name multiple-authors-name"> <a href="https://www.polon.pl/author/adrian-goska/" rel="author" title="Adrian Goska" class="author url fn">Adrian Goska</a> </div> <p class="pp-author-boxes-description multiple-authors-description"> Mecenas, radca prawny, ekspert ds. frankowych </p> <p class="pp-author-boxes-meta multiple-authors-links"> <a href="https://www.polon.pl/author/adrian-goska/" title="View all posts"> <span>View all posts</span> </a> </p> </div> </li> </ul> </span> </div> <span class="ppma-layout-suffix"></span> </div>  <style> .pp-multiple-authors-boxes-wrapper.box-post-id-146.pp-multiple-authors-layout-boxed.multiple-authors-target-the-content.box-instance-id-1 .pp-author-boxes-avatar img { width: 80px !important; 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frankowe przyt\u0142aczaj\u0105 polskie s\u0105dy","articleBody":"\n<h2 class=\"wp-block-heading\"><strong>Coraz bardziej obl\u0119\u017cone s\u0105dy<\/strong><\/h2>\n\n\n\n<p>Obserwowany na co dzie\u0144 parali\u017c s\u0105downictwa sprawami frankowymi znajduje potwierdzenie w najnowszych statystykach. W trzech pierwszych kwarta\u0142ach br. w s\u0105dach okr\u0119gowych w ca\u0142ej Polsce by\u0142o \u0142\u0105cznie a\u017c o jedn\u0105 trzeci\u0105 wi\u0119cej tego typu spraw ni\u017c rok wcze\u015bniej. Wskazuj\u0105c dok\u0142adniej, wzrost wyni\u00f3s\u0142 prawie 59 tys. (w analogicznym okresie ub.r. \u2013 blisko 45 tys.) i przekroczy\u0142 30%. Natomiast jego skala by\u0142a do przewidzenia. Mo\u017cna wymieni\u0107 przynajmniej trzy przyczyny takiej sytuacji.<\/p>\n\n\n\n<p>Pierwszym i zapewne najwa\u017cniejszym bod\u017acem do wzrostu liczby spraw frankowych w s\u0105dach by\u0142a decyzja Trybuna\u0142u Sprawiedliwo\u015bci UE (TSUE), kt\u00f3ry po raz kolejny stan\u0105\u0142 po stronie konsument\u00f3w. Druga istotna przyczyna zaistnia\u0142ej sytuacji tkwi w tym, \u017ce wygrane wielu frankowicz\u00f3w zach\u0119ci\u0142y do wej\u015bcia na drog\u0119 s\u0105dow\u0105 kolejnych kredytobiorc\u00f3w. Trzeci pow\u00f3d to rosn\u0105ca \u015bwiadomo\u015b\u0107 prawna konsument\u00f3w.<\/p>\n\n\n\n<p>Wyra\u017any wzrost liczby spraw frankowych ewidentnie \u015bwiadczy o coraz wi\u0119kszej determinacji konsument\u00f3w do kwestionowania niekorzystnych warunk\u00f3w um\u00f3w kredytowych i ich wierze w mo\u017cliwo\u015b\u0107 uzyskania sprawiedliwego rozstrzygni\u0119cia. Statystyki pokazuj\u0105, \u017ce frankowicze zyskuj\u0105 na sile i pewno\u015bci w starciu z bankami, kt\u00f3re musz\u0105 teraz bardziej liczy\u0107 si\u0119 z mo\u017cliwo\u015bci\u0105 przegranej w s\u0105dzie i d\u0142ugotrwa\u0142ego obci\u0105\u017cenia finansowego, zwi\u0105zanego z procesami s\u0105dowymi. Mog\u0105 one odczuwa\u0107 presj\u0119, aby rozwa\u017cy\u0107 bardziej korzystne ugodowe rozwi\u0105zania konflikt\u00f3w. To w\u0142a\u015bciwie jedyny spos\u00f3b na popraw\u0119 sytuacji w s\u0105dach.<\/p>\n\n\n\n<p>Dla s\u0105downictwa ww. wzrost jest oczywi\u015bcie znacznym obci\u0105\u017ceniem, o kt\u00f3rym cz\u0119sto m\u00f3wi si\u0119 przed sal\u0105 rozpraw. W zwi\u0105zku z obl\u0119\u017ceniem s\u0105d\u00f3w przez frankowicz\u00f3w wszystkie procesy tocz\u0105 si\u0119 wolniej. Pewn\u0105 ulg\u0105 mo\u017ce by\u0107 jedynie to, \u017ce s\u0119dziowie coraz szybciej rozpatruj\u0105 sprawy frankowe.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Wzrosty si\u0119gaj\u0105 prawie 200<\/strong> <strong>procent<\/strong><\/h2>\n\n\n\n<p>Nale\u017cy zwr\u00f3ci\u0107 uwag\u0119 na to, \u017ce w wielu s\u0105dach okr\u0119gowych wzrosty liczby spraw frankowych rdr. s\u0105 trzycyfrowe. Patrz\u0105c na dane procentowe, najwy\u017cszy z nich odnotowano w S\u0105dzie Okr\u0119gowym w Zamo\u015bciu \u2013 bo a\u017c o blisko 193 procent. Drugi w tym zestawieniu jest SO w Kro\u015bnie \u2013 ponad 171 procent rdr. W czo\u0142\u00f3wce wida\u0107 te\u017c SO Warszawa-Praga w Warszawie \u2013 niespe\u0142na 171 procent rdr., a tak\u017ce SO w Opolu \u2013 blisko 160 procent rdr.<\/p>\n\n\n\n<p>Mocne wzrosty liczby pozw\u00f3w w wielu s\u0105dach okr\u0119gowych s\u0105 efektem nowej regulacji dot. wy\u0142\u0105cznej w\u0142a\u015bciwo\u015bci s\u0105du miejsca zamieszkania konsumenta, zgodnie z art. 18 ustawy z dnia 9 marca 2023 roku o zmianie ustawy \u2013 Kodeks post\u0119powania cywilnego oraz niekt\u00f3rych innych ustaw. Tak du\u017ce przyrosty mog\u0105 istotnie wp\u0142yn\u0105\u0107 na wyd\u0142u\u017cenie czasu oczekiwania na wyroki. Dodatkowa ilo\u015b\u0107 spraw mo\u017ce doprowadzi\u0107 do wi\u0119kszego obci\u0105\u017cenia s\u0105d\u00f3w, w tym samych s\u0119dzi\u00f3w. A to mo\u017ce wyd\u0142u\u017cy\u0107 czas oczekiwania na rozstrzygni\u0119cie.<\/p>\n\n\n\n<p>Ostateczny wp\u0142yw nowej regulacji na funkcjonowanie s\u0105d\u00f3w b\u0119dzie mo\u017cna oceni\u0107 za ok. dwa lata, gdy zako\u0144czy si\u0119 znaczna cz\u0119\u015b\u0107 proces\u00f3w, kt\u00f3re teraz je obci\u0105\u017caj\u0105. Cho\u0107 wyd\u0142u\u017caj\u0105ce si\u0119 oczekiwanie na rozpraw\u0119 mo\u017ce by\u0107 pewnym czynnikiem odstraszaj\u0105cym frankowicz\u00f3w, to zabezpieczenie pow\u00f3dztwa jest kluczowym narz\u0119dziem, niweluj\u0105cym negatywne skutki czekania. Oznacza ono zakaz pobierania przez bank rat kredytowych na czas trwania procesu i przynosi kredytobiorcom wymierne korzy\u015bci ju\u017c w trakcie trwania sprawy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Warszawa jedyna ze spadkiem<\/strong><\/h2>\n\n\n\n<p>Wspomniana zmiana przepis\u00f3w prze\u0142o\u017cy\u0142a si\u0119 r\u00f3wnie\u017c na wynik S\u0105du Okr\u0119gowego w Warszawie. W ci\u0105gu trzech pierwszych kwarta\u0142\u00f3w br. wp\u0142yn\u0119\u0142o tam ponad 13 tys. spraw frankowych. Rok wcze\u015bniej odnotowano 20 tysi\u0119cy, co oznacza spadek o blisko 35 procent rdr. To jedyny s\u0105d okr\u0119gowy w ca\u0142ym kraju, kt\u00f3ry jest na minusie, patrz\u0105c na dane procentowe. Jednak pod wzgl\u0119dem wp\u0142ywu liczby spraw frankowych wci\u0105\u017c jest na pierwszym miejscu w Polsce. W \u015bcis\u0142ej czo\u0142\u00f3wce wida\u0107 te\u017c SO w Poznaniu \u2013 przesz\u0142o 6 tys. (wzrost rdr. o ponad 128%), a tak\u017ce w Gda\u0144sku \u2013 niespe\u0142na 5 tys. (skok o 35 procent rdr.).<\/p>\n\n\n\n<p>Efekty wprowadzenia nowej regulacji b\u0119d\u0105 widoczne w SO w Warszawie najwcze\u015bniej za p\u00f3\u0142tora roku lub za dwa lata, gdy zako\u0144cz\u0105 si\u0119 trwaj\u0105ce teraz procesy. Obecne obci\u0105\u017cenie s\u0105d\u00f3w sprawami frankowymi jest wynikiem wielu lat zaniedba\u0144 i braku odpowiednich przepis\u00f3w. I dopiero d\u0142ugofalowe, r\u00f3wnomierne roz\u0142o\u017cenie pozw\u00f3w mo\u017ce przyczyni\u0107 si\u0119 do zmniejszenia obci\u0105\u017ce\u0144. Jednak frankowicze nie powinni czeka\u0107 na ewentualne zmiany w Warszawie, a rozwa\u017cy\u0107 dochodzenie swoich praw na drodze s\u0105dowej ju\u017c teraz. To oczywi\u015bcie r\u00f3wnie\u017c wp\u0142ynie na statystyki s\u0105du.<\/p>\n\n\n\n<p>Natomiast ka\u017cdy rozpocz\u0119ty sp\u00f3r s\u0105dowy dzia\u0142a na niekorzy\u015b\u0107 bank\u00f3w, kt\u00f3re s\u0105 zmuszone do ponoszenia dodatkowych koszt\u00f3w prawnych i zak\u0142adania kolejnych rezerw. Banki rzadko sk\u0142adaj\u0105 atrakcyjne propozycje ug\u00f3d przed rozpocz\u0119ciem procesu s\u0105dowego. Najkorzystniejsze oferty ugodowe pojawiaj\u0105 si\u0119 zazwyczaj dopiero po zainicjowaniu dzia\u0142a\u0144 prawnych i uzyskaniu pozytywnego wyroku w pierwszej instancji.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Prognozy i istotne zalecenia<\/strong><\/h2>\n\n\n\n<p>Z perspektywy s\u0105d\u00f3w, warto kontynuowa\u0107 monitorowanie wp\u0142ywu zmiany przepis\u00f3w na praktyk\u0119 s\u0105dow\u0105 i ocenia\u0107 je na podstawie d\u0142ugoterminowych danych i obserwacji. Mo\u017cna przypuszcza\u0107, \u017ce pierwsze pozytywne efekty b\u0119d\u0105 widoczne po okresie przej\u015bciowym, kiedy to s\u0105dy dostosuj\u0105 swoje procedury operacyjne do nowych reali\u00f3w. Dopiero wtedy b\u0119dzie mo\u017cna oceni\u0107, czy i w jakim stopniu zmiany przynios\u0142y oczekiwane ulepszenia w funkcjonowaniu wymiaru sprawiedliwo\u015bci.<\/p>\n\n\n\n<p>Mo\u017cna r\u00f3wnie\u017c zak\u0142ada\u0107, \u017ce liczba spraw w S\u0105dzie Okr\u0119gowym w Warszawie w dalszym ci\u0105gu b\u0119dzie spada\u0107, a w pozosta\u0142ych plac\u00f3wkach w kraju sytuacja si\u0119 ustabilizuje w ci\u0105gu najbli\u017cszych kilku lat. Oczywi\u015bcie w ka\u017cdym s\u0105dzie mo\u017ce to nast\u0105pi\u0107 w innym czasie, bo wiele zale\u017cy od indywidualnej sytuacji, w tym sposobu zarz\u0105dzania. Natomiast og\u00f3lnie nale\u017cy oczekiwa\u0107 dalszego wzrostu liczby pozw\u00f3w przeciwko bankom w sprawach kredyt\u00f3w frankowych w nadchodz\u0105cych miesi\u0105cach i w ci\u0105gu przysz\u0142ego roku. Z uwagi na to, \u017ce wiele os\u00f3b ju\u017c podj\u0119\u0142o s\u0105dow\u0105 walk\u0119, kolejne skoki mog\u0105 by\u0107 nieco mniej wyra\u017ane, ale wi\u0105\u017c jeszcze istotne.<\/p>\n\n\n\n<p>Tendencja wzrostowa jest nie do powstrzymania. Nap\u0119dzana jest rosn\u0105c\u0105 \u015bwiadomo\u015bci\u0105 kredytobiorc\u00f3w o swoich prawach, co sk\u0142ania ich do aktywnego dochodzenia roszcze\u0144 na drodze s\u0105dowej. Dodatkowo obserwuje si\u0119 coraz wi\u0119cej korzystnych wyrok\u00f3w, kt\u00f3re zach\u0119caj\u0105 kolejne osoby do podejmowania podobnych krok\u00f3w. Banki musia\u0142yby przygotowa\u0107 naprawd\u0119 dobre propozycje ug\u00f3d, \u017ceby wyhamowa\u0107 ten trend. Inaczej pozw\u00f3w w s\u0105dach b\u0119dzie dalej przybywa\u0107.<\/p>\n","author":{"@type":"Person","name":"Mariusz Marsza\u0142kowski","url":"https:\/\/www.polon.pl\/author\/marszalkowskimariusz-2\/","sameAs":["https:\/\/twitter.com\/MJMarszalkowski"]},"articleSection":["Finanse"],"image":{"@type":"ImageObject","url":"https:\/\/www.polon.pl\/wp-content\/uploads\/2023\/10\/frankowicze_w_sadzie_c_mondaynews.pl_.jpg","width":1163,"height":654},"publisher":{"@type":"Organization","name":"","url":"https:\/\/www.polon.pl","logo":{"@type":"ImageObject","url":""},"sameAs":["https:\/\/www.facebook.com\/P0L0Npl\/","https:\/\/twitter.com\/polonpl_","https:\/\/www.linkedin.com\/company\/polonpl\/"]}}</script> <script type='application/ld+json'>{"@context":"http:\/\/schema.org","@type":"hentry","entry-title":"Pozwy frankowe przyt\u0142aczaj\u0105 polskie s\u0105dy","published":"2023-12-07 07:00:00","updated":"2023-12-06 21:16:21"}</script> <script type="text/javascript">;!function(){"use strict";window.jnews=window.jnews||{},window.jnews.first_load=window.jnews.first_load||{},window.jnews.first_load=function(){var e=this,t=jnews.library,n="object"==typeof jnews&&"object"==typeof jnews.library;e.data=null,e.run_ajax=!0,e.run_loginregister=!0,e.clear=function(){e.run_ajax=!0,e.run_loginregister=!0,e.data=null},e.init=function(){n&&(t.globalBody.querySelectorAll(".jeg_popup_account").length&&jnews.loginregister&&e.run_loginregister&&(e.run_loginregister=!1,jnews.loginregister.init(),jnews.loginregister.hook_form()),jfla.length&&e.run_ajax&&(e.run_ajax=!1,e.do_ajax({action:"jnews_first_load_action",jnews_id:jnewsoption.postid,load_action:jfla})))},e.update_counter=function(){if(n){var o={total_view:t.globalBody.querySelectorAll(".jeg_share_stats .jeg_views_count .counts"),total_share:t.globalBody.querySelectorAll(".jeg_share_stats .jeg_share_count .counts"),total_comment:t.globalBody.querySelectorAll(".jeg_meta_comment a span")};t.forEach(Object.entries(e.data.counter),(function([e,n]){o[e].length&&t.forEach(o[e],(function(e,o){t.setText(e,n)}))}))}},e.do_ajax=function(o){if(n){var a=new XMLHttpRequest;a.onreadystatechange=function(){XMLHttpRequest.DONE===a.readyState&&200==a.status&&(e.data=JSON.parse(a.responseText),e.data.counter&&"object"==typeof e.data.counter&&e.update_counter())},a.open("POST",jnews_ajax_url,!0),a.setRequestHeader("Content-Type","application/x-www-form-urlencoded; charset=UTF-8"),a.send(t.httpBuildQuery(o))}}},window.jnews.first_load=new window.jnews.first_load,jnews.first_load.init()}();</script>  <div id="cookie-notice" role="dialog" class="cookie-notice-hidden cookie-revoke-hidden cn-position-bottom" aria-label="Cookie Notice" style="background-color: rgba(50,50,58,1);"><div class="cookie-notice-container" style="color: #fff"><span id="cn-notice-text" class="cn-text-container">Ta strona korzysta z ciasteczek aby świadczyć usługi na najwyższym poziomie. 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Pozwy frankowe przytłaczają polskie sądy - Polon.pl