The District Court in Warsaw determined that the contract concluded with the mBank 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 mBank S.A., in the judgment of June 19^th, 2023 case no. XXVIII C 5621/23, 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 83.008,44 PLN and 38.822,38 CHF as a return of undue payments (plus the interest for the delay and court fees).

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