It is not easy to recover a commission with early total repayment , although it would seem that banks or loan companies should comply with judgments and orders. Banks still do not respect the interpretation of the provisions of the Consumer Credit Act issued by the Financial Ombudsman and the President of the Office of Competition Protection.
Repayment of which liability allowed?
The loan agreement to which the history relates was concluded in 2017. In 2019, i.e. after a loan period of 1.5 years, I decided to make a total repayment of 7 years.
It turned out that I was charged a preparation fee of over 25% of the amount I received by bank transfer, i.e. the fee was PLN 15,000.00. The refund amount was calculated in accordance with the position of the Financial Ombudsman and the President of UOKiK, i.e. I recovered over PLN 14,000.
How is the way to recover the commission?
First, I tried to contact the bank by sending a letter asking for a position on the return of part of the fee charged. Then I visited the bank branch several times and contacted by phone. After several weeks of correspondence, which in principle did not bring any effect, I collected all the material that I had and go to a professional representative recommended in this forum. The proxy acted immediately. He prepared the documents and sent them to the bank. Then it went quickly.
Because I became a client of a specialist recommended to me, I didn’t pay anything for the help. Help was free. I was surprised at the beginning, but I actually got confirmation that I wouldn’t pay anything.
What were the effects of the specialist’s actions?
First, after 30 days, our letter was answered, of course, the amount to be refunded was incorrectly calculated and they wanted to give me only PLN 9,000 at this stage. We went further to the court. The court, apart from adding the amount due, ordered the reimbursement of all costs incurred by me, including fees for a lawyer. I lost nothing and the bank had to cover all the costs. The case at the amicable stage lasted almost 6 months. I got my first money after 44 days.
Of course. First of all, I received a refund without incurring any costs. Earlier I was familiar with the offers of companies that deal with these returns. Most often they were able to pay me straight amounts, e.g. 3000 PLN or 2500 PLN. However, I would sign a power of attorney with the transfer of the contract to these offices. then they would get 14,000 and I only get 3,000. Of course it doesn’t make sense. I do not recommend such a solution.
Of course, you must know that the bank always writes that you should be aware of the cost of the loan contract and that the fees are charged correctly. Banks’ confidence that they will win in such cases is almost 100%. But you should always fight for your money.
I will say that this is the most popular debt relief company in Poland. I also ordered them to handle my other matters. Remember that if you recommend a refund of a commission for a previously paid loan – you will not pay for such a service. I wish you everything to go well in your case.