Refinancing the loan, delay in repayment of the loan, request for repayment
The borrower has the option of using a refinancing loan. Refinancing takes place after the Borrower has paid the appropriate amount for using the service depending on the amount of the refinanced loan and the period for which the refinancing is to be made. The full cost of refinancing is available after logging into the Customer Area.
Interest for untimely payment of the loan is calculated in double the amount of statutory interest for delay specified in art. 481 § 2 (1) of the Civil Code, ie twice the sum of the reference rate of the National Bank of Poland and 5.5 percentage points. In the event of a change resulting from a change in the amount of interest referred to in art. 481 of the Civil Code, the Borrower will inform the Borrower of this change immediately after its occurrence.
The borrower will be requested to pay the overdue amounts by contacting by phone, sending an SMS, e-mail or a written request for payment. The costs related to the delay are compliant with the Framework Agreement concluded with the Lender via Lenderspo. The Borrower will be charged for the costs of the recovery of the Loan in court proceedings.
In the case of joint fulfillment of the conditions set out in Article 14 or 16 or 17 of the Act of 9 April 2010 on sharing business information and exchange of economic data (Journal of Laws No. 81, item 530, as amended) in the event of failure to repay a loan or delays in repayment The lender may provide information about the Borrower’s obligations to the Economic Information Bureaus, which may affect the Borrower’s creditworthiness. The Borrower’s data are forwarded to the Economic Information Bureaus on the basis of a written agreement on access to economic information concluded by the Lender with the Economic Information Bureau and based on the provisions of Chapter 3 of the Act on disclosure of economic information and exchange of economic data.
The entity competent for out-of-court settlement of a dispute arising from the contract concluded between the consumer and the Lender is the Financial Ombudsman. Contact to the Financial Ombudsman and detailed information about the proceedings are available on the website www.rf.gov.pl.
In order to resolve the dispute, there is also the possibility of using the ODR internet platform, available HERE. The ODR platform facilitates independent, impartial, transparent, effective, quick and fair out-of-court resolution of disputes between consumers and businesses online.
The administrator of personal data processed for granting the loan and performing the loan agreement is the Lender: Depending on the voluntary consent for marketing activities and also in connection with the loan agreement, the Borrower’s data will be disclosed to the Lender’s business partners authorized to process them.