The District Court in Warsaw determined that the contract concluded with the EFG Eurobank Ergasias S.A. (currently Raiffeisen Bank International AG) 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 Raiffeisen Bank International AG, in the judgment of 26^th September 2022 case no. XXVIII C 17933/21, 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 the amount of 87.281,63 PLN and 49.000,01 CHF as a return of undue payments (plus the interest for the delay and court fees).

It may be considered a curiosity that the presiding judge, Mr. Piotr Bednarczyk has consolidated our case with another 4 court cases of other borrowers. As a result, the Court has managed to avoid multiplication of the evidentiary proceeding, which significantly shortened the waiting time for the judgment. 9 and half months passed between the filing of the claim and the issuance of the ruling. The judgment is not final.