The Polish Supreme Court has overturned a lower court ruling in a landmark case concerning Swiss franc mortgage overcharges, siding with the Financial Ombudsman.
The court annulled the first-instance judgment, which had been unfavorable to consumers, and ordered the case to be remitted for a new hearing.
The Supreme Court’s intervention suggests that the lower court’s assessment of the fees—reported to be approximately 40,000 PLN in excess charges—was legally flawed.
The dispute centers on a couple who took out a mortgage denominated in Swiss francs in 2008.
The Supreme Court’s intervention suggests that the lower court’s assessment of the fees—reported to be approximately 40,000 PLN in excess charges—was legally flawed.
This development reinforces the regulatory stance that banks must adhere strictly to consumer protection standards in legacy foreign-currency loans.
The ruling adds to the long-tail litigation risks facing Polish banks, which have spent years resolving disputes over CHF mortgages.