{"id":201,"date":"2026-01-29T11:18:32","date_gmt":"2026-01-29T11:18:32","guid":{"rendered":"https:\/\/kredyty-odzyskiwanie.pl\/?p=201"},"modified":"2026-05-15T07:50:02","modified_gmt":"2026-05-15T07:50:02","slug":"kredyt-frankowy-przedsiebiorcy-przelomowy-wyrok-sadu-najwyzszego-otwiera-droge-do-uniewaznienia-umow","status":"publish","type":"post","link":"https:\/\/kredyty-odzyskiwanie.pl\/index.php\/2026\/01\/29\/kredyt-frankowy-przedsiebiorcy-przelomowy-wyrok-sadu-najwyzszego-otwiera-droge-do-uniewaznienia-umow\/","title":{"rendered":"Kredyt frankowy przedsi\u0119biorcy \u2013 prze\u0142omowy wyrok S\u0105du Najwy\u017cszego otwiera drog\u0119 do uniewa\u017cnienia um\u00f3w"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"201\" class=\"elementor elementor-201\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3edb6932 e-flex e-con-boxed e-con e-parent\" data-id=\"3edb6932\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1eec86f elementor-widget elementor-widget-image\" data-id=\"1eec86f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/kredyty-odzyskiwanie.pl\/wp-content\/uploads\/2026\/01\/SN-3.jpeg\" class=\"attachment-large size-large wp-image-196\" alt=\"\" srcset=\"https:\/\/kredyty-odzyskiwanie.pl\/wp-content\/uploads\/2026\/01\/SN-3.jpeg 800w, https:\/\/kredyty-odzyskiwanie.pl\/wp-content\/uploads\/2026\/01\/SN-3-300x200.jpeg 300w, https:\/\/kredyty-odzyskiwanie.pl\/wp-content\/uploads\/2026\/01\/SN-3-768x512.jpeg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fd785a9 elementor-widget elementor-widget-text-editor\" data-id=\"4fd785a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Przedsi\u0119biorca mo\u017ce kwestionowa\u0107 umowy frankowe z bankami<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Wyrokiem z dnia <\/span><b>12 wrze\u015bnia 2025 r. (sygn. II CSKP 643\/25)<\/b><span style=\"font-weight: 400;\"> S\u0105d Najwy\u017cszy w spos\u00f3b jednoznaczny zmieni\u0142 dotychczasow\u0105 lini\u0119 orzecznicz\u0105 dotycz\u0105c\u0105 <\/span><b>kredyt\u00f3w frankowych zawieranych przez przedsi\u0119biorc\u00f3w<\/b><span style=\"font-weight: 400;\">. Orzeczenie to ma kluczowe znaczenie dla firm posiadaj\u0105cych kredyty indeksowane lub denominowane do CHF, poniewa\u017c potwierdza mo\u017cliwo\u015b\u0107 skutecznego kwestionowania takich um\u00f3w tak\u017ce poza re\u017cimem ochrony konsumenckiej.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dla przedsi\u0119biorc\u00f3w oznacza to realn\u0105 zmian\u0119 pozycji procesowej w sporach z bankami oraz nowe podstawy do dochodzenia roszcze\u0144 finansowych.<\/span><\/p>\n<p><b>Wyrok S\u0105du Najwy\u017cszego a umowy CHF zawarte przez przedsi\u0119biorc\u00f3w<\/b><\/p>\n<p><span style=\"font-weight: 400;\">S\u0105d Najwy\u017cszy potwierdzi\u0142, \u017ce <\/span><b>nieuczciwe mechanizmy stosowane w umowach kredyt\u00f3w frankowych<\/b><span style=\"font-weight: 400;\"> nie mog\u0105 pozostawa\u0107 poza kontrol\u0105 s\u0105dow\u0105 wy\u0142\u0105cznie z uwagi na fakt, \u017ce stron\u0105 umowy by\u0142 przedsi\u0119biorca. Tym samym zakwestionowano wieloletni\u0105 praktyk\u0119, w kt\u00f3rej banki skutecznie broni\u0142y si\u0119 argumentem \u201eprofesjonalnego charakteru\u201d kredytobiorcy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Stanowisko to jest sp\u00f3jne z kierunkiem argumentacji od lat prezentowanym przez <\/span><b>Kancelari\u0119 Frydrykiewicz i Wsp\u00f3lnicy<\/b><span style=\"font-weight: 400;\">, kt\u00f3ra wskazywa\u0142a, \u017ce konstrukcja wielu um\u00f3w CHF narusza fundamentalne zasady prawa cywilnego \u2013 niezale\u017cnie od statusu strony umowy.<\/span><\/p>\n<p><b>Jednostronne ustalanie kursu CHF przez bank jest niedopuszczalne<\/b><\/p>\n<p><b>Kredyt frankowy a zasady wsp\u00f3\u0142\u017cycia spo\u0142ecznego<\/b><\/p>\n<p><span style=\"font-weight: 400;\">W uzasadnieniu wyroku S\u0105d Najwy\u017cszy jednoznacznie wskaza\u0142, \u017ce ju\u017c sama <\/span><b>mo\u017cliwo\u015b\u0107 jednostronnego kszta\u0142towania kursu waluty obcej przez bank<\/b><span style=\"font-weight: 400;\"> pozostaje w sprzeczno\u015bci z:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">zasadami wsp\u00f3\u0142\u017cycia spo\u0142ecznego,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">zasadami s\u0142uszno\u015bci kontraktowej,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">w\u0142a\u015bciwo\u015bci\u0105 stosunku prawnego,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">granicami swobody um\u00f3w.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Co istotne, S\u0105d podkre\u015bli\u0142, \u017ce ocena ta dotyczy <\/span><b>zar\u00f3wno um\u00f3w z konsumentami, jak i um\u00f3w zawieranych mi\u0119dzy bankami a przedsi\u0119biorcami<\/b><span style=\"font-weight: 400;\">. Oznacza to, \u017ce brak ochrony wynikaj\u0105cej z Dyrektywy 93\/13\/EWG nie wyklucza mo\u017cliwo\u015bci skutecznego podwa\u017cenia umowy CHF przez firm\u0119.<\/span><\/p>\n<p><b>Czy przedsi\u0119biorca mo\u017ce uniewa\u017cni\u0107 umow\u0119 kredytu frankowego?<\/b><\/p>\n<p><b>Nowa podstawa prawna dla spor\u00f3w z bankami<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Dotychczas s\u0105dy cz\u0119sto odmawia\u0142y przedsi\u0119biorcom prawa do kwestionowania wa\u017cno\u015bci um\u00f3w kredyt\u00f3w frankowych, wskazuj\u0105c na brak ochrony konsumenckiej. S\u0105d Najwy\u017cszy potwierdzi\u0142 r\u00f3\u017cnic\u0119 status\u00f3w prawnych, ale jednocze\u015bnie wskaza\u0142 <\/span><b>alternatywn\u0105 i skuteczn\u0105 podstaw\u0119 prawn\u0105<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Przedsi\u0119biorcy mog\u0105 obecnie dochodzi\u0107 swoich praw, powo\u0142uj\u0105c si\u0119 na:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">sprzeczno\u015b\u0107 umowy z zasadami wsp\u00f3\u0142\u017cycia spo\u0142ecznego,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">naruszenie w\u0142a\u015bciwo\u015bci stosunku prawnego,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">przekroczenie granic swobody um\u00f3w.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">W praktyce otwiera to drog\u0119 do <\/span><b>stwierdzenia niewa\u017cno\u015bci umowy kredytu CHF<\/b><span style=\"font-weight: 400;\">, rozliczenia z bankiem oraz odzyskania znacz\u0105cych \u015brodk\u00f3w finansowych.<\/span><\/p>\n<p><b>Kredyt frankowy w firmie \u2013 znaczenie do\u015bwiadczenia procesowego<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Spory dotycz\u0105ce kredyt\u00f3w frankowych przedsi\u0119biorc\u00f3w nale\u017c\u0105 do najbardziej wymagaj\u0105cych post\u0119powa\u0144 gospodarczych. Wysoka warto\u015b\u0107 przedmiotu sporu, skomplikowana konstrukcja um\u00f3w oraz profesjonalna reprezentacja bank\u00f3w wymagaj\u0105 precyzyjnej strategii procesowej.<\/span><\/p>\n<p><b>Kancelaria Frydrykiewicz i Wsp\u00f3lnicy, adwokaci i radcowie prawni sp\u00f3\u0142ka partnerska<\/b><span style=\"font-weight: 400;\">, od lat prowadzi sprawy przeciwko bankom dotycz\u0105ce um\u00f3w kredytowych CHF. Do chwili obecnej kancelaria <\/span><b>wygra\u0142a 100% prowadzonych spraw frankowych<\/b><span style=\"font-weight: 400;\">, reprezentuj\u0105c klient\u00f3w na ka\u017cdym etapie post\u0119powania.<\/span><\/p>\n<p><b>Kredyt CHF a dzia\u0142alno\u015b\u0107 gospodarcza \u2013 najlepszy moment na analiz\u0119<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Prze\u0142omowy wyrok S\u0105du Najwy\u017cszego znacz\u0105co zmieni\u0142 uk\u0142ad si\u0142 pomi\u0119dzy przedsi\u0119biorcami a bankami. Dla firm posiadaj\u0105cych <\/span><b>kredyt frankowy w dzia\u0142alno\u015bci gospodarczej<\/b><span style=\"font-weight: 400;\"> jest to obecnie najbardziej korzystny moment na:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">analiz\u0119 umowy kredytowej,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ocen\u0119 ryzyk i potencjalnych korzy\u015bci finansowych,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">podj\u0119cie decyzji o wszcz\u0119ciu sporu z bankiem.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Odpowiednio zaplanowane dzia\u0142ania prawne mog\u0105 dzi\u015b stanowi\u0107 realne narz\u0119dzie <\/span><b>odzyskania \u015brodk\u00f3w i wzmocnienia stabilno\u015bci finansowej przedsi\u0119biorstwa<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><br \/><br style=\"font-weight: 400;\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13c677a e-flex e-con-boxed e-con e-parent\" data-id=\"13c677a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5621ab1 e-con-full e-flex e-con e-child\" data-id=\"5621ab1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6da5b75 elementor-widget elementor-widget-heading\" data-id=\"6da5b75\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CO DLA CIEBIE ZROBI NASZA KANCELARIA?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed6fbbb elementor-widget elementor-widget-text-editor\" data-id=\"ed6fbbb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Bezp\u0142atna analiza um\u00f3w kredytowych<\/strong>: sprawdzamy warunki Twojej umowy i<br \/>wskazujemy potencjalne nieprawid\u0142owo\u015bci.<\/li><li><strong>Reprezentacja w s\u0105dzie:<\/strong> skutecznie dochodzimy Twoich praw w post\u0119powaniach s\u0105dowych, zmuszaj\u0105c banki do eliminacji nieuczciwych warunk\u00f3w<\/li><li><strong>Doradztwo prawne:<\/strong>indywidualne podej\u015bcie \u2013 rozwi\u0105zania optymalnie<br \/>dopasowane do Pa\u0144stwa umowy, ci\u0105g\u0142e wsparcie na ka\u017cdym etapie procesu<\/li><li><strong>Odzyskujemy dla Ciebie nadp\u0142aty, koszty, obni\u017camy rat\u0119 i kapita\u0142<\/strong>, pomagamy unikn\u0105\u0107 niekorzystnych zapis\u00f3w<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37fd835 e-con-full e-flex e-con e-child\" data-id=\"37fd835\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64d9c02 elementor-widget elementor-widget-heading\" data-id=\"64d9c02\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">WY\u015aLIJ FORMULARZ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40f0853 elementor-widget elementor-widget-shortcode\" data-id=\"40f0853\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"forminator-ui forminator-custom-form forminator-custom-form-58 forminator-design--basic  forminator_ajax\" data-forminator-render=\"0\" data-form=\"forminator-module-58\" data-uid=\"6a2a62c61d287\"><br\/><\/div><form\n\t\t\t\tid=\"forminator-module-58\"\n\t\t\t\tclass=\"forminator-ui forminator-custom-form forminator-custom-form-58 forminator-design--basic  forminator_ajax\"\n\t\t\t\tmethod=\"post\"\n\t\t\t\tdata-forminator-render=\"0\"\n\t\t\t\tdata-form-id=\"58\"\n\t\t\t\t data-color-option=\"theme\" data-design=\"basic\" data-grid=\"open\" style=\"display: none;\"\n\t\t\t\tdata-uid=\"6a2a62c61d287\"\n\t\t\t><div role=\"alert\" aria-live=\"polite\" class=\"forminator-response-message forminator-error\" aria-hidden=\"true\"><\/div><div class=\"forminator-row\"><div id=\"name-1\" class=\"forminator-field-name forminator-col forminator-col-12 \"><div class=\"forminator-field\"><label for=\"forminator-field-name-1_6a2a62c61d287\" id=\"forminator-field-name-1_6a2a62c61d287-label\" class=\"forminator-label\">Imi\u0119 i Nazwisko <span class=\"forminator-required\">*<\/span><\/label><input type=\"text\" name=\"name-1\" value=\"\" placeholder=\"\" id=\"forminator-field-name-1_6a2a62c61d287\" class=\"forminator-input forminator-name--field\" aria-required=\"true\" autocomplete=\"name\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"select-1\" class=\"forminator-field-select forminator-col forminator-col-6 \"><div class=\"forminator-field\"><label for=\"forminator-form-58__field--select-1_6a2a62c61d287\" id=\"forminator-form-58__field--select-1_6a2a62c61d287-label\" class=\"forminator-label\">Typ umowy<\/label><select  id=\"forminator-form-58__field--select-1_6a2a62c61d287\" class=\"forminator-select--field forminator-select2 forminator-select2-multiple\" data-required=\"\" name=\"select-1\" data-default-value=\"\" data-hidden-behavior=\"zero\" data-placeholder=\"\" data-search=\"false\" data-search-placeholder=\"\" data-checkbox=\"false\" data-allow-clear=\"false\" aria-labelledby=\"forminator-form-58__field--select-1_6a2a62c61d287-label\"><option value=\"one\"  data-calculation=\"0\">Kredyt Frankowy\/w obcej walucie<\/option><option value=\"two\"  data-calculation=\"0\">Kredyt Z\u0142otowy (WIBOR)<\/option><\/select><\/div><\/div><div id=\"select-2\" class=\"forminator-field-select forminator-col forminator-col-6 \"><div class=\"forminator-field\"><label for=\"forminator-form-58__field--select-2_6a2a62c61d287\" id=\"forminator-form-58__field--select-2_6a2a62c61d287-label\" class=\"forminator-label\">Status umowy<\/label><select  id=\"forminator-form-58__field--select-2_6a2a62c61d287\" class=\"forminator-select--field forminator-select2 forminator-select2-multiple\" data-required=\"\" name=\"select-2\" data-default-value=\"\" data-hidden-behavior=\"zero\" data-placeholder=\"\" data-search=\"false\" data-search-placeholder=\"\" data-checkbox=\"false\" data-allow-clear=\"false\" aria-labelledby=\"forminator-form-58__field--select-2_6a2a62c61d287-label\"><option value=\"one\"  data-calculation=\"0\">Kredyt sp\u0142acony<\/option><option value=\"two\"  data-calculation=\"0\">Kredyt niesp\u0142acony<\/option><\/select><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"email-1\" class=\"forminator-field-email forminator-col forminator-col-12 \"><div class=\"forminator-field\"><label for=\"forminator-field-email-1_6a2a62c61d287\" id=\"forminator-field-email-1_6a2a62c61d287-label\" class=\"forminator-label\">Adres E-mail <span class=\"forminator-required\">*<\/span><\/label><input type=\"email\" name=\"email-1\" value=\"\" placeholder=\"\" id=\"forminator-field-email-1_6a2a62c61d287\" class=\"forminator-input forminator-email--field\" data-required=\"1\" aria-required=\"true\" autocomplete=\"email\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"phone-1\" class=\"forminator-field-phone forminator-col forminator-col-12 \"><div class=\"forminator-field\"><label for=\"forminator-field-phone-1_6a2a62c61d287\" id=\"forminator-field-phone-1_6a2a62c61d287-label\" class=\"forminator-label\">Numer telefonu <span class=\"forminator-required\">*<\/span><\/label><input type=\"text\" name=\"phone-1\" value=\"\" placeholder=\"\" id=\"forminator-field-phone-1_6a2a62c61d287\" class=\"forminator-input forminator-field--phone\" data-required=\"1\" aria-required=\"true\" autocomplete=\"off\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"captcha-1\" class=\"forminator-field-captcha forminator-col forminator-col-12 \"><div class=\"forminator-captcha-left forminator-g-recaptcha recaptcha-invisible\" data-theme=\"light\" data-badge=\"inline\" data-sitekey=\"6LeiQsUrAAAAAF7UTZ2E3SSaOxmmv-ujq0PJ3mVg\" data-size=\"invisible\"><\/div> <\/div><\/div><div class=\"forminator-row\"><div id=\"consent-1\" class=\"forminator-field-consent forminator-col forminator-col-12 \"><div class=\"forminator-field\"><label for=\"forminator-field-consent-1_6a2a62c61d287\" id=\"forminator-field-consent-1_6a2a62c61d287-label\" class=\"forminator-label\">Zgoda na Polityk\u0119 Prywatno\u015bci i kontakt <span class=\"forminator-required\">*<\/span><\/label><div class=\"forminator-checkbox__wrapper\"><label id=\"forminator-field-consent-1_6a2a62c61d287__label\" class=\"forminator-checkbox forminator-consent\" aria-labelledby=\"forminator-field-consent-1_6a2a62c61d287-label\" aria-hidden=\"true\"><input type=\"checkbox\" name=\"consent-1\" id=\"forminator-field-consent-1_6a2a62c61d287\" value=\"checked\" aria-labelledby=\"forminator-field-consent-1_6a2a62c61d287-label\" aria-describedby=\"forminator-field-consent-1_6a2a62c61d287__description\" data-required=\"true\" aria-required=\"true\" \/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><\/label><div id=\"forminator-field-consent-1_6a2a62c61d287__description\" class=\"forminator-checkbox__label forminator-consent__label\"><p>O\u015bwiadczam, \u017ce zapozna\u0142am\/em si\u0119 i akceptuj\u0119 <a href=\"https:\/\/www.frydrykiewicz.com\/rodo\/\">Polityk\u0119 Prywatno\u015bci<\/a>, a tak\u017ce wyra\u017cam zgod\u0119 za kontakt poprzez adres e-mail i\/lub telefon.<\/p><\/div><\/div><\/div><\/div><\/div><input type=\"hidden\" name=\"referer_url\" value=\"\" \/><div class=\"forminator-row forminator-row-last\"><div class=\"forminator-col\"><div class=\"forminator-field\"><button class=\"forminator-button forminator-button-submit\">WY\u015aLIJ<\/button><\/div><\/div><\/div><input type=\"hidden\" id=\"forminator_nonce\" name=\"forminator_nonce\" value=\"05d0b9369e\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/index.php\/wp-json\/wp\/v2\/posts\/201\" \/><input type=\"hidden\" name=\"form_id\" value=\"58\"><input type=\"hidden\" name=\"page_id\" value=\"201\"><input type=\"hidden\" name=\"form_type\" value=\"default\"><input type=\"hidden\" name=\"current_url\" value=\"https:\/\/kredyty-odzyskiwanie.pl\/index.php\/2026\/01\/29\/kredyt-frankowy-przedsiebiorcy-przelomowy-wyrok-sadu-najwyzszego-otwiera-droge-do-uniewaznienia-umow\/\"><input type=\"hidden\" name=\"render_id\" value=\"0\"><input type=\"hidden\" name=\"action\" value=\"forminator_submit_form_custom-forms\"><\/form><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Przedsi\u0119biorca mo\u017ce kwestionowa\u0107 umowy frankowe z bankami Wyrokiem z dnia 12 wrze\u015bnia 2025 r. (sygn. 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