The District Court in Łódź determined that the contract concluded with the Bank Millennium 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 Łódź in a case brought by a consumers against Bank Millennium S.A., in the judgment of July 6^th, 2023 case no. I C 697/22, 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 391.169,21 PLN and 15.216,36 CHF as a return of undue payments (plus the interest for the delay and court fees).

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