The District Court in Kalisz determined that the contract concluded with the GE Money Bank S.A. (currently Bank BPH S.A.) was invalid from the very beginning and order the bank to return the borrower all that she had paid to the bank.

The District Court in Kalisz in a case brought by a consumer against Bank BPH S.A., in the judgment of 24^th February 2022 case no. I C 222/21, 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 s.c. return of the benefit not due to the bank in the amount of 173.122,84 PLN and 12.578,10 CHF with the interest for delay and court fees.

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