The District Court in Warsaw 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 borrowers all that they had paid to the bank.

The District Court in Warsaw in a case brought by a consumers against Bank BPH S.A., in the judgment of 26^th April 2022 case no. IV C 1610/19, determined that the contract concluded by the parties was invalid from the very beginning.

As a consequence the Court awarded the clients of Włodarczyk Ziomek & Wojciechowski s.c. return of the benefit not due to the bank in the amount of 247.253,21 PLN and 100.469,53 CHF with the interest for delay and court fees.

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