Consumer law

The office has long and very successfully advised and represented consumers in disputes arising from consumer contracts, in particular in court proceedings to enforce and protect consumers' rights under credit agreements, revolving credit agreements and similar contracts concluded with non-bank lenders.

Credit agreements concluded with non-bank lenders, and also with banks (e.g. Prima banka Slovensko, a.s. or Poštová banka, a.s.), are very often interest-free and free of charges because they lack several requirements set by law. Under such an agreement, the consumer only has to repay the amount actually borrowed, and the lender has no right to charge any interest or fees. In practice, consumers often overpay their loans without realising it: the bank or non-bank lender is unjustly enriched, and the consumer is entitled to a refund of everything paid beyond the amount actually lent.

Do you have, or have you had, a credit agreement with a non-bank lender or a bank? Contact us to have it reviewed. We will give you a free consultation and suggest how to recover the money the lender received from you unlawfully.