{"id":8,"date":"2026-11-08T14:00:13","date_gmt":"2026-11-08T14:00:13","guid":{"rendered":"https:\/\/skd.idunkancelaria.pl\/?page_id=8"},"modified":"2026-11-08T14:15:42","modified_gmt":"2026-11-08T14:15:42","slug":"landing","status":"publish","type":"page","link":"https:\/\/skd.idunkancelaria.pl\/","title":{"rendered":"Landing"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull hero\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns hero__inner wrap is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"tk-badge wp-block-paragraph\">\u2696\ufe0f Wyrok TSUE z 13.02.2025 \u2014 <strong>korzystny dla kredytobiorc\u00f3w<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading hero__title\">Sp\u0142a\u0107 kredyt <span>tylko do kapita\u0142u<\/span> \u2014 bez odsetek i koszt\u00f3w.<\/h1>\n\n\n\n<p class=\"hero__sub wp-block-paragraph\">Je\u015bli bank naruszy\u0142 obowi\u0105zki informacyjne, dzi\u0119ki sankcji kredytu darmowego oddajesz wy\u0142\u0105cznie po\u017cyczony kapita\u0142. Sprawd\u017a w 2 minuty, ile mo\u017cesz zyska\u0107. Bezp\u0142atna analiza umowy.<\/p>\n\n\n\n<div class=\"wp-block-buttons hero__cta is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button btn btn--primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"#kalkulator\">Policz swoj\u0105 korzy\u015b\u0107 \u2192<\/a><\/div>\n\n\n\n<div class=\"wp-block-button btn btn--ghost\"><a class=\"wp-block-button__link wp-element-button\" href=\"#kontakt\">Zam\u00f3w bezp\u0142atn\u0105 analiz\u0119<\/a><\/div>\n<\/div>\n\n\n\n<ul class=\"wp-block-list trust-row\">\n<li><i class=\"tick\">\u2713<\/i> Oddajesz tylko kapita\u0142<\/li>\n\n\n\n<li><i class=\"tick\">\u2713<\/i> Bez op\u0142at na starcie<\/li>\n\n\n\n<li><i class=\"tick\">\u2713<\/i> 20 lat do\u015bwiadczenia<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" id=\"kalkulator\"><div id=\"idunFpCalculator\"><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group section section--sm\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns stats wrap is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column stat is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><b>20<\/b><span>lat do\u015bwiadczenia kancelarii<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column stat is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><b>tylko kapita\u0142<\/b><span>oddajesz bez odsetek i koszt\u00f3w<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column stat is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><b>0 z\u0142<\/b><span>op\u0142at na starcie \u2014 rozliczenie po sukcesie<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column stat is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><b>ca\u0142a PL<\/b><span>prowadzimy sprawy w ca\u0142ym kraju<\/span><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group section section--alt\" id=\"korzysci\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group wrap\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"eyebrow wp-block-paragraph\">Co mo\u017cesz zyska\u0107<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Korzy\u015bci z <span class=\"accent\">sankcji kredytu darmowego<\/span><\/h2>\n\n\n\n<div class=\"wp-block-columns grid-3 is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column card is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"card__ic wp-block-paragraph\">\u2713<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Oddajesz tylko kapita\u0142<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bez odsetek, prowizji i innych koszt\u00f3w kredytu.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column card is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"card__ic wp-block-paragraph\">\u2193<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ni\u017csza rata<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sp\u0142acasz wy\u0142\u0105cznie cz\u0119\u015b\u0107 kapita\u0142ow\u0105 \u2014 miesi\u0119czne obci\u0105\u017cenie spada.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column card is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"card__ic wp-block-paragraph\">\u21ba<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Zwrot zap\u0142aconych koszt\u00f3w<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Odzyskujesz ju\u017c uiszczone odsetki, prowizje i op\u0142aty.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"compare\">\n<div class=\"col before\">\n<span class=\"tagpill\">Przed sankcj\u0105<\/span>\n<div class=\"row\"><span>Rata<\/span><b>kapita\u0142 + odsetki<\/b><\/div>\n<div class=\"row\"><span>Koszty kredytu<\/span><b>odsetki, prowizja, op\u0142aty<\/b><\/div>\n<div class=\"big\">ok. 495 000 z\u0142<\/div>\n<div class=\"row\" style=\"border:0\"><span>\u0142\u0105cznie do sp\u0142aty (przyk\u0142ad)<\/span><\/div>\n<\/div>\n<div class=\"col after\">\n<span class=\"tagpill\">Po sankcji<\/span>\n<div class=\"row\"><span>Rata<\/span><b>tylko kapita\u0142<\/b><\/div>\n<div class=\"row\"><span>Koszty kredytu<\/span><b>0 z\u0142<\/b><\/div>\n<div class=\"big\">255 000 z\u0142<\/div>\n<div class=\"row\" style=\"border:0\"><span>\u0142\u0105cznie do sp\u0142aty (przyk\u0142ad)<\/span><\/div>\n<\/div>\n<\/div>\n<div class=\"savings\"><span>Oszcz\u0119dno\u015b\u0107 dzi\u0119ki sankcji (przyk\u0142ad)<\/span><b>ok. 240 000 z\u0142<\/b><\/div>\n\n\n\n<p class=\"note wp-block-paragraph\">Przyk\u0142ad: kredyt 255 tys. z\u0142 na 10 lat. Ma charakter orientacyjny \u2014 wysoko\u015b\u0107 korzy\u015bci zale\u017cy od okoliczno\u015bci sprawy.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group section\" id=\"warunki\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group wrap\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"eyebrow wp-block-paragraph\">Kto mo\u017ce skorzysta\u0107<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sprawd\u017a, czy <span class=\"accent\">kwalifikujesz si\u0119 do SKD<\/span><\/h2>\n\n\n\n<div class=\"wp-block-columns checklist is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column check is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"ok wp-block-paragraph\">\u2713<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kwota kapita\u0142u kredytu nie przekracza <strong>255 550 z\u0142<\/strong> (lub r\u00f3wnowarto\u015bci w walucie).<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column check is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"ok wp-block-paragraph\">\u2713<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By\u0142e\u015b <strong>konsumentem<\/strong> \u2014 kredyt got\u00f3wkowy, konsolidacyjny, ratalny, po\u017cyczka bankowa lub pozabankowa.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column check is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"ok wp-block-paragraph\">\u2713<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Umowa zawarta <strong>po 18 grudnia 2011 r.<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column check is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"ok wp-block-paragraph\">\u2713<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kredyt jest <strong>nadal sp\u0142acany<\/strong> albo sp\u0142acony w <strong>ostatnich 12 miesi\u0105cach<\/strong>.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column check is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"ok wp-block-paragraph\">\u2713<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Raty sp\u0142acane terminowo (op\u00f3\u017anienia do 30 dni).<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column check is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"ok wp-block-paragraph\">\u2713<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kredyt <strong>niezabezpieczony hipotek\u0105<\/strong> (z wyj\u0105tkami okre\u015blonymi w ustawie).<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"note wp-block-paragraph\">To warunki orientacyjne. O uprawnieniu decyduje naruszenie przez kredytodawc\u0119 obowi\u0105zk\u00f3w z ustawy o kredycie konsumenckim (art. 45) \u2014 ocenimy to w bezp\u0142atnej analizie.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group section section--alt\" id=\"proces\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group wrap\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"eyebrow wp-block-paragraph\">Jak dzia\u0142amy<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Od bezp\u0142atnej analizy do <span class=\"accent\">rozliczenia \u2014 krok po kroku<\/span><\/h2>\n\n\n\n<div class=\"wp-block-columns steps is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column step is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"step__num wp-block-paragraph\">1<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bezp\u0142atna analiza umowy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Przesy\u0142asz umow\u0119. Sprawdzamy naruszenia i liczymy korzy\u015b\u0107 \u2014 bez koszt\u00f3w i zobowi\u0105za\u0144.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column step is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"step__num wp-block-paragraph\">2<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">O\u015bwiadczenie o SKD<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Po akceptacji sk\u0142adamy w Twoim imieniu o\u015bwiadczenie o skorzystaniu z sankcji.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column step is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"step__num wp-block-paragraph\">3<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Reklamacja \/ wezwanie<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u015bli bank nie uzna sankcji \u2014 sk\u0142adamy reklamacj\u0119 i wzywamy do zap\u0142aty.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column step is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"step__num wp-block-paragraph\">4<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pozew i rozliczenie<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">W razie potrzeby kierujemy spraw\u0119 do s\u0105du (I i II instancja) a\u017c do rozliczenia.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"note wp-block-paragraph\">Model bez ryzyka: nie pobieramy op\u0142at na starcie, a je\u015bli zrezygnujesz \u2014 nie masz wobec nas \u017cadnych zobowi\u0105za\u0144.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group section\" id=\"dowody\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group wrap\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"eyebrow wp-block-paragraph\">Dlaczego IDUN<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do\u015bwiadczenie w sporach <span class=\"accent\">z bankami<\/span><\/h2>\n\n\n\n<div class=\"wp-block-columns grid-3 is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column card is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"card__ic wp-block-paragraph\">\u23f1<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Oszcz\u0119dzasz czas i nerwy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Przejmujemy wszystkie formalno\u015bci i prowadzimy spraw\u0119 od pocz\u0105tku do ko\u0144ca.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column card is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"card__ic wp-block-paragraph\">\ud83d\udee1<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bezpiecze\u0144stwo<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Twoj\u0105 spraw\u0105 zajmuj\u0105 si\u0119 do\u015bwiadczeni prawnicy \u2014 pilnujemy termin\u00f3w i pism.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column card is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"card__ic wp-block-paragraph\">\u2696<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Wyr\u00f3wnujesz szanse z bankiem<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bank ma zaplecze prawne \u2014 Ty te\u017c. Znamy argumenty drugiej strony.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns grid-2 is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\" style=\"margin-top:22px\">\n<div class=\"wp-block-column quote is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201eBank naliczy\u0142 wysokie koszty, o kt\u00f3rych nie mia\u0142em poj\u0119cia. Kancelaria wyja\u015bni\u0142a wszystko prostym j\u0119zykiem i zaj\u0119\u0142a si\u0119 spraw\u0105.\u201d<\/p>\n\n\n\n<p class=\"quote__who wp-block-paragraph\"><strong>Klient<\/strong> \u00b7 kredyt got\u00f3wkowy \u00b7 przyk\u0142ad pogl\u0105dowy<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column quote is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201eRata spad\u0142a, a cz\u0119\u015b\u0107 zap\u0142aconych koszt\u00f3w wr\u00f3ci\u0142a. Ca\u0142y proces poprowadzili za mnie.\u201d<\/p>\n\n\n\n<p class=\"quote__who wp-block-paragraph\"><strong>Klientka<\/strong> \u00b7 kredyt konsolidacyjny \u00b7 przyk\u0142ad pogl\u0105dowy<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"note wp-block-paragraph\">Cytaty pogl\u0105dowe. Wynik zale\u017cy od narusze\u0144 w konkretnej umowie i indywidualnej analizy.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group section section--alt\" id=\"cennik\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group wrap\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"eyebrow wp-block-paragraph\">Przejrzyste zasady<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Zaczynasz <span class=\"accent\">bez ryzyka<\/span><\/h2>\n\n\n\n<div class=\"wp-block-columns price is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column pcard is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center pcard__big\">0 z\u0142<\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">za analiz\u0119 umowy i wyliczenie korzy\u015bci<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column pcard is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center pcard__big\">Success fee<\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">istotna cz\u0119\u015b\u0107 wynagrodzenia rozliczana po sukcesie<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column pcard is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center pcard__big\">Kancelaria<\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">spraw\u0119 prowadz\u0105 prawnicy IDUN \u2014 nie po\u015brednik<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group section\" id=\"faq\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group wrap\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"eyebrow wp-block-paragraph\">Pytania kredytobiorc\u00f3w<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Najcz\u0119\u015bciej zadawane <span class=\"accent\">pytania<\/span><\/h2>\n\n\n\t\t<div class=\"faq\" data-lxd-faq=\"27\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"qa is-open\">\n\t\t\t\t\t<button type=\"button\" class=\"qa__toggle\" aria-expanded=\"true\">\n\t\t\t\t\t\tCzym jest sankcja kredytu darmowego?\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"qa__a\"><p>To uprawnienie z art. 45 ustawy o kredycie konsumenckim. Je\u015bli kredytodawca naruszy\u0142 obowi\u0105zki (np. informacyjne lub co do tre\u015bci umowy), konsument mo\u017ce sp\u0142aca\u0107 kredyt bez odsetek i koszt\u00f3w \u2014 oddaje wy\u0142\u0105cznie kapita\u0142.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"qa\">\n\t\t\t\t\t<button type=\"button\" class=\"qa__toggle\" aria-expanded=\"false\">\n\t\t\t\t\t\tJaki jest termin na skorzystanie z SKD?\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"qa__a\"><p>O\u015bwiadczenie mo\u017cna z\u0142o\u017cy\u0107 do 12 miesi\u0119cy po wykonaniu umowy (zwykle po sp\u0142acie ostatniej raty). Po tym terminie uprawnienie wygasa \u2014 dlatego warto dzia\u0142a\u0107 szybko.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"qa\">\n\t\t\t\t\t<button type=\"button\" class=\"qa__toggle\" aria-expanded=\"false\">\n\t\t\t\t\t\tJakie kredyty si\u0119 kwalifikuj\u0105?\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"qa__a\"><p>Kredyty konsumenckie (got\u00f3wkowe, konsolidacyjne, ratalne), po\u017cyczki bankowe i pozabankowe, do kwoty 255 550 z\u0142, zawarte po 18.12.2011 r., niezabezpieczone hipotek\u0105 (z wyj\u0105tkami z ustawy).<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"qa\">\n\t\t\t\t\t<button type=\"button\" class=\"qa__toggle\" aria-expanded=\"false\">\n\t\t\t\t\t\tCzy mog\u0119 przesta\u0107 sp\u0142aca\u0107 kredyt po z\u0142o\u017ceniu o\u015bwiadczenia?\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"qa__a\"><p>Nie. SKD ogranicza sp\u0142at\u0119 do cz\u0119\u015bci kapita\u0142owej, ale nie zwalnia z rat kapita\u0142u. Zaprzestanie sp\u0142aty grozi wypowiedzeniem umowy. Nadal sp\u0142acasz kapita\u0142 zgodnie z harmonogramem.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"qa\">\n\t\t\t\t\t<button type=\"button\" class=\"qa__toggle\" aria-expanded=\"false\">\n\t\t\t\t\t\tIle to kosztuje?\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"qa__a\"><p>Analiza umowy jest bezp\u0142atna. Pracujemy w modelu success fee \u2014 istotn\u0105 cz\u0119\u015b\u0107 wynagrodzenia rozliczamy po sukcesie. Je\u015bli zrezygnujesz \u2014 nie masz wobec nas zobowi\u0105za\u0144.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"qa\">\n\t\t\t\t\t<button type=\"button\" class=\"qa__toggle\" aria-expanded=\"false\">\n\t\t\t\t\t\tCzy prowadzicie sprawy w ca\u0142ej Polsce?\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"qa__a\"><p>Tak. Reprezentujemy konsument\u00f3w w sprawach o sankcj\u0119 kredytu darmowego na terenie ca\u0142ego kraju.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group section cta-final\" id=\"kontakt\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns cta-grid wrap is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"eyebrow wp-block-paragraph\">Bezp\u0142atna analiza umowy<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sprawd\u017a, ile mo\u017cesz odzyska\u0107 \u2014 bez ryzyka<\/h2>\n\n\n\n<p class=\"cta-final__lead wp-block-paragraph\">Wy\u015blij podstawowe dane, a prawnik IDUN bezp\u0142atnie oceni Twoj\u0105 umow\u0119 i policzy korzy\u015b\u0107 z sankcji. Bez zobowi\u0105za\u0144 i op\u0142at na starcie.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><i class=\"tick\">\u2713<\/i> Odpowiadamy zwykle w 24 h roboczych<\/li>\n\n\n\n<li><i class=\"tick\">\u2713<\/i> Dane chronione zgodnie z RODO (SSL)<\/li>\n\n\n\n<li><i class=\"tick\">\u2713<\/i> Spraw\u0119 prowadzi kancelaria z 20-letnim sta\u017cem<\/li>\n<\/ul>\n\n\n\n<p class=\"cta-final__call wp-block-paragraph\">lub zadzwo\u0144: <a href=\"tel:+48534099996\">534 099 996<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f14-o1\" lang=\"pl-PL\" dir=\"ltr\" data-wpcf7-id=\"14\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/index.php\/wp-json\/wp\/v2\/pages\/8#wpcf7-f14-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Formularz kontaktowy\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"14\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.2.4.1\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"pl_PL\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f14-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<div class=\"form-card\">\n\t<div class=\"field\">\n\t\t<p><label for=\"cf-name\">Imi\u0119 i nazwisko<\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" id=\"cf-name\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Jan Kowalski\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"field-2\">\n\t\t<div class=\"field\">\n\t\t\t<p><label for=\"cf-phone\">Telefon<\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel form-control\" id=\"cf-phone\" autocomplete=\"tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"600 100 200\" value=\"\" type=\"tel\" name=\"your-phone\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"field\">\n\t\t\t<p><label for=\"cf-email\">E-mail<\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-control\" id=\"cf-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"jan@przyklad.pl\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"field-2\">\n\t\t<div class=\"field\">\n\t\t\t<p><label for=\"cf-amount\">Kwota kredytu (z\u0142)<\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"amount\"><input class=\"wpcf7-form-control wpcf7-number wpcf7-validates-as-number form-control\" id=\"cf-amount\" min=\"1000\" aria-invalid=\"false\" placeholder=\"np. 80000\" value=\"\" type=\"number\" name=\"amount\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"field\">\n\t\t\t<p><label for=\"cf-date\">Data zawarcia umowy<\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"date\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text form-control\" id=\"cf-date\" aria-invalid=\"false\" placeholder=\"np. 2020\" value=\"\" type=\"text\" name=\"date\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"field\">\n\t\t<p><label for=\"cf-status\">Czy nadal sp\u0142acasz kredyt?<\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"status\"><select class=\"wpcf7-form-control wpcf7-select form-select\" id=\"cf-status\" aria-invalid=\"false\" name=\"status\"><option value=\"Tak\">Tak<\/option><option value=\"Sp\u0142acony (do 12 mies.)\">Sp\u0142acony (do 12 mies.)<\/option><option value=\"Nie wiem\">Nie wiem<\/option><\/select><\/span>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"from-check-consent\">\n\t\t<p><input class=\"js-from-check-consent\" type=\"checkbox\" id=\"contactConsentMain\" \/><label class=\"mini\" for=\"contactConsentMain\"><span>Wyra\u017cam zgod\u0119 na przetwarzanie moich danych osobowych w celu kontaktu i odpowiedzi na przes\u0142ane zapytanie.<\/span><\/label>\n\t\t<\/p>\n\t<\/div>\n\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn--primary btn--block js-form-submit\" type=\"submit\" value=\"Zam\u00f3w bezp\u0142atn\u0105 analiz\u0119 \u2192\" \/>\n\t<\/p>\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>\u2696\ufe0f Wyrok TSUE z 13.02.2025 \u2014 korzystny dla kredytobiorc\u00f3w Sp\u0142a\u0107 kredyt tylko do kapita\u0142u \u2014 bez odsetek i koszt\u00f3w. Je\u015bli bank naruszy\u0142 obowi\u0105zki informacyjne, dzi\u0119ki sankcji kredytu darmowego oddajesz wy\u0142\u0105cznie po\u017cyczony kapita\u0142. Sprawd\u017a w 2 minuty, ile mo\u017cesz zyska\u0107. Bezp\u0142atna analiza umowy. 20lat do\u015bwiadczenia kancelarii tylko kapita\u0142oddajesz bez odsetek i koszt\u00f3w 0 z\u0142op\u0142at na starcie [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/page-landing-editable.php","meta":{"footnotes":""},"class_list":["post-8","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/skd.idunkancelaria.pl\/index.php\/wp-json\/wp\/v2\/pages\/8","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/skd.idunkancelaria.pl\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/skd.idunkancelaria.pl\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/skd.idunkancelaria.pl\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/skd.idunkancelaria.pl\/index.php\/wp-json\/wp\/v2\/comments?post=8"}],"version-history":[{"count":1,"href":"https:\/\/skd.idunkancelaria.pl\/index.php\/wp-json\/wp\/v2\/pages\/8\/revisions"}],"predecessor-version":[{"id":10,"href":"https:\/\/skd.idunkancelaria.pl\/index.php\/wp-json\/wp\/v2\/pages\/8\/revisions\/10"}],"wp:attachment":[{"href":"https:\/\/skd.idunkancelaria.pl\/index.php\/wp-json\/wp\/v2\/media?parent=8"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}