Monitor Prawniczy

no. 12/2023

The problem of changes concerning statements on submission to execution in connection with the Anti-Usury Act

Krzysztof Schulz
LL.M. Autor jest adwokatem w kancelarii CMS Cameron McKenna, specjalizującym się w transakcjach finansowania oraz prawie bankowym i finansowym, absolwentem prawa na University of London, wykładowcą w Wyższej Szkole Bankowej w Toruniu
Abstract

The article describes the problems of amendments to the regulations governing statements on submission to execution issued by debtors in separate notarial deeds. The changes were introduced by the so-called Anti-Usury Act and give rise to many interpretational problems. The author analyses these changes from the viewpoint of the legislator’s intended purpose. The impact of these changes on the practice related to issuing statements on submission to execution has been also described. In the conclusion, the author indicates whether the changes contribute to enhancing the security of borrowers in the loan market.

Keywords
statement on submission to execution, loan, borrower, debtor