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Office of Competition and Consumer Protection

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Bank Pocztowy changes its practices

< previous | next > 04.09.2017

Bank Pocztowy changes its practices
  • Bank Pocztowy has undertaken to reimburse its customers for the fees charged for the provision of account statements in paper form.
  • It is a direct consequence of the decision adopted by the President of the UOKiK.
  • Bank Pocztowy has committed itself to changing its current practices.

The Office of Competition and Consumer Protection is in the process of verifying the manner in which banks conclude contracts with consumers. The proceedings against Bank Pocztowy were initiated in December 2015 due to two sets of dubious practices applied by the said bank:

1.    Consumers would receive letters informing them of changes in the table of fees and charges; however, the bank has failed to specify the legal basis or factors which influenced the proposed changes. As a result, the customers of Bank Pocztowy were unable to verify whether the change in the terms and conditions of the contract was in fact permissible. The bank has later discontinued the practices in question.

What is problematic is that the consumer has no opportunity to verify whether the changes were introduced in an appropriate manner – says Marek Niechciał, President of the Office of Competition and Consumer Protection. – If a bank changes the terms and conditions of the contract, it must notify the consumer of the factual and legal basis which entitles the bank to introduce such changes – Marek Niechciał adds.

2.    The bank has introduced new fees for the preparation and provision of account statements in paper form. Those customers who had hitherto received such account statements free of charge were now forced to pay a fee. Those who had paid a lower fee now had to accept a higher amount thereof. The bank has voluntarily undertaken to compensate its customers for the losses incurred as a result of the practices in question.

If the bank intended to impose charges on those customers who had previously been receiving their account statements for free, it should have sought their written consent for another manner for such information to be provided, e.g. by e-mail. The consumer must be able to choose and to make an informed decision as to the manner in which account information shall be provided; this applies both to the conclusion of the contract and to the subsequent performance thereof – Marek Niechciał adds.

Bank Pocztowy shall compensate its customers for their losses: the customers of Bank Pocztowy who had been receiving their account statements free of charge prior to the introduction of the fees shall be reimbursed for all their expenses. Those consumers who were forced to pay more than they had previously shall be reimbursed for the difference in the amount of fees before and after such fees were increased. If you are a customer of Bank Pocztowy, you should file an application for the reimbursement of the relevant fees. Detailed information on the compensation scheme can be found in the decision of the UOKiK.

Additional information for the media:

UOKiK Press Office
pl. Powstańców Warszawy 1, 00-950 Warszawa

Phone: 695 902 088
Email: [SCODE]Yml1cm9wcmFzb3dlQHVva2lrLmdvdi5wbA==[ECODE]

Twitter: @UOKiKgovPL

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