{"id":326,"date":"2019-06-12T14:13:46","date_gmt":"2019-06-12T12:13:46","guid":{"rendered":"https:\/\/firmaprawnicza.pl\/en\/?page_id=326"},"modified":"2019-06-12T14:13:46","modified_gmt":"2019-06-12T12:13:46","slug":"banking-law","status":"publish","type":"page","link":"https:\/\/firmaprawnicza.pl\/en\/individual-clients\/banking-law\/","title":{"rendered":"Banking law"},"content":{"rendered":"<p>Unauthorised transactions<br \/>\nOn behalf of our clients Ceret Grzywaczewska Legal Counsel&#8217;s Office pursues all\u00a0claims under banking law, the Act on Payment Services, bank account agreements,\u00a0loan agreements, rules and regulations accompanying them, as well as all claim\u00a0resulting from occurrences such as credit card or payment card theft, identity theft,\u00a0theft of funds from a bank account, personal data leakage, banking secrecy\u00a0disclosure, hacker attacks on bank accounts, unauthorised third party withdrawals of\u00a0funds from bank accounts e. g. through phishing, breaching security of computers,\u00a0phones, routers belonging to electronic banking services users or breaching security\u00a0of bank infrastructure and software, as well as abusive clauses applied by banks.<\/p>\n<p>Theft of funds from electronic bank accounts as well as from credit, debit cards and\u00a0other payment instruments becomes more and more frequent. If a bank client notices\u00a0on their account a transaction which they have not made, ordered, or accepted, such\u00a0a transaction is unauthorised. Technological development, the introduction into the\u00a0market of novel and simpler payment methods and the access to electronic banking\u00a0and personal data processing, have increased the number of unauthorised third party\u00a0withdrawals of funds from bank accounts, as well as of leakage and unauthorised<br \/>\nusage of personal data. Other occurrences which become more and more frequent\u00a0are identity thefts and unauthorised bank loans which are taken out by third parties\u00a0pretending to be bank clients. In such cases it is very often necessary to take steps\u00a0also as part of pending enforcement proceedings. Progress makes financial\u00a0institutions and banks create new banking instruments and products which lead to\u00a0contentious situations.<\/p>\n<p>Many years of experience that our lawyers have, numerous court cases they have\u00a0won and favourable settlements they have negotiated for their clients, as well as\u00a0familiarity with the specificity of the banking market, payment services, unauthorised\u00a0transactions, new technology, personal data protection and issues connected with\u00a0consumer rights protection, allow us to provide the following services:<\/p>\n<ul>\n<li>legal assessment of the facts and advice on how to proceed with a case;<\/li>\n<li>drafting of legal opinions on contracts, rules and regulations, as well as\u00a0general terms and conditions;<\/li>\n<li>legal assessment of the claims made;<\/li>\n<li>representing clients in complaint\/review procedure before banks \/ financial\u00a0institutions<\/li>\n<li>conducting negotiations with banks;<\/li>\n<li>advice and representation in proceedings before Financial Ombudsman, KNF\u00a0(Polish Financial Supervision Authority), UOKiK (Office for Competition and\u00a0Consumer Protection and ZBP (The Polish Bank Association);<\/li>\n<li>advice and representation in conciliation, mediation and arbitration\u00a0procedures;<\/li>\n<li>pleading cases before common courts of law both civil and criminal;<\/li>\n<li>representing clients in enforcement proceedings and handling anti-enforcement suits;<\/li>\n<li>training in electronic banking security and data processing.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Unauthorised transactions On behalf of our clients Ceret Grzywaczewska Legal Counsel&#8217;s Office pursues all\u00a0claims under banking law, the Act on Payment Services, bank account agreements,\u00a0loan agreements, rules and regulations accompanying them, as well as all claim\u00a0resulting from occurrences such as credit card or payment card theft, identity theft,\u00a0theft of funds from a bank account, personal [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":0,"parent":24,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-klienci-indywidualni.php","meta":{"footnotes":""},"class_list":["post-326","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/firmaprawnicza.pl\/en\/wp-json\/wp\/v2\/pages\/326"}],"collection":[{"href":"https:\/\/firmaprawnicza.pl\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/firmaprawnicza.pl\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/firmaprawnicza.pl\/en\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/firmaprawnicza.pl\/en\/wp-json\/wp\/v2\/comments?post=326"}],"version-history":[{"count":1,"href":"https:\/\/firmaprawnicza.pl\/en\/wp-json\/wp\/v2\/pages\/326\/revisions"}],"predecessor-version":[{"id":327,"href":"https:\/\/firmaprawnicza.pl\/en\/wp-json\/wp\/v2\/pages\/326\/revisions\/327"}],"up":[{"embeddable":true,"href":"https:\/\/firmaprawnicza.pl\/en\/wp-json\/wp\/v2\/pages\/24"}],"wp:attachment":[{"href":"https:\/\/firmaprawnicza.pl\/en\/wp-json\/wp\/v2\/media?parent=326"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}