“Impunity crooks who give usurious loans,” “ruthless criminals using human credulity” and “usury leading to suicide” – including such wording used minister Zbigniew Ziobro during yesterday press conference. I declared: In view of this pathology, the state can not remain indifferent . The problem is that the proposal to restore order has been so unfortunately drafted legislatively that can destroy all legally operating business loans to non-bank.
– With the draft regulation criminal presented by the ministry shows that imprisonment will be able to be imposed to all lending interest higher than 10 percent. per year – explains Dr. Mariusz Bidziński, a partner at the law firm Chmaj & Partners and a lecturer at the University of Social Psychology. In this group can be found even employees of loan companies that do not comply with this limit. 10 percent. per year and this – as argued by the president of Association of Loan Jaroslaw Fish – value taken from space. – indicated 10 percent. the percentage of the annual value below cost to provide loan . Firms not so much little to earn, how many actually lose on each trade – he says.
At present, all Company provide loans for much worse conditions . Moreover, a strict limit indicated by the Minister Ziobro not properly performing today … a large part of the banks.
Numerous objections to the idea of against usury has also Krystyna Skowrońska the PO, vice-president of the parliamentary commission of public finances. – We need to talk about how to fight the pathologies, but action can not seek to liquidate the loan companies – suggests MP. And he notes that the disappearance from the market of these institutions is by no means will mean that people will stop to lend. – They will go to places where there are no limits and no rules. A long recovers differently than in a court or a collection agency – believes Skowrońska.
Ministry of Justice when asked by us, whether the purpose of the regulation is to reduce the possibility of borrowing by legally operating company, says: of course not. But the question of whether any criminal proceedings shall not apply to employees loan companies, the resort is no longer able to answer. At least for now. Like it or limits on administrative enacted Act antylichwiarską (frequently more liberal for entrepreneurs) will stop in practice to apply.
– Recipes for effective prosecution moneylenders and make their victims will no longer be left alone, but will be under the protection of justice – declares MS. – It is a pity that our expense and hitting the people who really need from time to time, borrow a few hundred dollars – retorts vice president of one of the greatest loan companies on the Polish market.
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