Guides
Consumer Rights
Concrete information about your rights, without legal jargon.
UOKiK and Consumer Ombudsman Complaint: When and How to File (2026)
Store ignoring complaints or using abusive clauses? UOKiK can fine companies up to 10% of turnover. Consumer Ombudsman helps for free. Financial Ombudsman for banks and insurers.
Traffic Fine Appeal: Police, Speed Camera, GITD — How to Challenge (2026)
Criminal fine (police): refuse ON THE SPOT — once signed it is final (Art. 101 §1 CCP). Speed camera CANARD and GITD penalties are administrative decisions — 14 days to appeal under Art. 127 CAP.
Bought on Instalments via PayU: What Happens to the Loan When You Return the Goods (2026)
Bought on instalments via PayU and want to return? Art. 31 of the Consumer Credit Act: withdrawing from the sales contract automatically cancels the credit agreement. You cannot be left with instalments and no product.
Zalando Complaint: Consumer Rights and How to File (2026)
Zalando refused your complaint or isn't responding? Art. 43b Consumer Rights Act: 2 years to complain, return shipping covered by Zalando. No reply in 14 days = complaint accepted by law.
Telecom Complaint: Phone, Internet, TV — Rights and Letter Template (2026)
Wrong bill, service outage, cancellation penalty, slow internet? Operator has 30 days to respond (Art. 306 PKE). No reply = complaint accepted by law. How to write an effective letter.
Insurance Complaint: OC, AC, NNW — Your Rights and Letter Template (2026)
Insurer refused payout or underpaid? Art. 817 CC: 30 days to pay. No reply to complaint in 30 days = accepted by law. How to write an effective letter to a Polish insurance company.
Energy Company Complaint: Inflated Bill, Power Cut (2026)
Power cut without justification, inflated bill, meter error? Energy Law: 14 days to respond. How to file an effective complaint with your energy supplier.
Developer Complaint: Flat Defects and How to Enforce Your Rights (2026)
Developer didn't fix defects from the handover protocol? Art. 43 Developer Act: 30 days to fix. Civil Code warranty — 5 years for property defects. How to write an effective letter.
ZUS Appeal: How and Where to File — Step by Step (2026)
ZUS refused your benefit, pension or disability payment? You have 1 month to appeal to the labour court — not to ZUS. Art. 477⁹ CPC. Proceedings are free of court fees.
Payment Demand Letter: Template with Polish Civil Code (2026)
Someone owes you money? A formal demand under Art. 455 CC starts interest running. B2B: 10% interest + flat-rate recovery costs €40/70/100 under the Commercial Transactions Act.
Service Complaint: Renovation, Repair, Installation — Rights and Letter Template (2026)
Renovation company left defects? Plumber didn't fix the fault? Art. 636 CC: set a deadline and commission another contractor at the first one's cost. 5-year warranty for property work.
Flight Delay and Cancellation Compensation: €250–600 under EU Regulation (2026)
Flight delayed over 3 hours or cancelled? EU Regulation 261/2004: €250–600 compensation. Technical failure is NOT an exception (CJEU C-549/07). How to write a claim to the airline.
Reklamacja odrzucona — co zrobić dalej? [Poradnik 2026]
Sklep nie uznał reklamacji? Masz prawo do odwołania. Dowiedz się jak obalić odmowę z powołaniem na art. 43c ust. 1 UPK — domniemanie wady, ekspertyza na koszt sklepu, zwrot po nieskutecznej wymianie.
How to File an Effective Complaint to an Online Store (Template 2026)
Step-by-step: how to write a complaint to an online store citing Art. 43b of the Consumer Rights Act. The store has 14 days to respond; silence means the complaint is accepted.
Complaint on Allegro: What to Do When the Seller Refuses (2026)
Did an Allegro seller reject your complaint? Find out your rights as a consumer and how to write a letter that forces a response within 14 days.
Bank Refuses Refund: Your Rights and How to Enforce Them
Unauthorised transaction, incorrect charge or refused refund? The bank must return the money by end of next business day (Art. 46 of the Payment Services Act). How to write an effective letter.
How to Cancel a Subscription Contract Without Penalty: Template 2026
Operator, gym, streaming platform refusing to cancel or threatening a penalty? You have the right to terminate any open-ended contract. Art. 365(1) CC and Art. 385(3) CC on your side.
Complaint at Media Expert: How to Enforce Your Rights (2026)
Equipment from Media Expert broke down? You have 2 years to claim non-conformity — regardless of the manufacturer's warranty. How to write a letter the store must process within 14 days.
Complaint at RTV Euro AGD: Consumer Rights and Letter Template (2026)
Home appliance or electronics from RTV Euro AGD not working properly? You have 2 years of statutory protection. Learn how to write an effective complaint and what you can demand from the store.
Phone Complaint: How to Get a Refund for a Faulty Smartphone (2026)
Smartphone broke, battery drains fast, or display has a defect? You have 2 years to complain to the store or operator. Step by step: how to write an effective letter and what to demand.
Damaged Parcel from the Courier: How to Get Compensation (2026)
InPost, DPD, DHL damaged your parcel? You are entitled to compensation under the Postal Law and Transport Law. How to draw up a damage report and file an effective complaint.
Gym Contract Cancellation: How to Leave Without a Penalty (2026)
The gym refuses to cancel your membership or threatens a penalty for early termination? Cancellation penalties for open-ended contracts are illegal. Art. 365¹ CC and Art. 385³ CC on your side.
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