The District Court in Warsaw determined that the contract concluded with the Kredyt Bank S.A. was invalid from the very beginning and order the bank to return the borrower all that he had paid to the bank.

The District Court in Warsaw in a case brought by a consumer against the Santander Bank Polska S.A. as a legal successor of the Kredyt Bank S.A., in the judgment of September 21^st, 2023 case no. XXVIII C 3364/21, determined that the contract concluded by the parties was invalid from the very beginning.

As a consequence, the Court awarded the client of Włodarczyk Ziomek & Wojciechowski the amount of 168.178,68 PLN and 11.675,41 CHF as a return of undue payments (plus the interest for the delay and court fees) with the restriction of the simultaneous refund by the consumer to the bank the capital of the credit in the amount of 313,320 PLN.

29 months passed between the filing of the claim and the issuance of the ruling. The judgment is not final.