{"id":1872,"date":"2025-08-17T14:50:07","date_gmt":"2025-08-17T12:50:07","guid":{"rendered":"https:\/\/fpna.pl\/cr\/finances-at-a-new-address\/ls\/consumer-rights-in-the-financial-market\/"},"modified":"2025-09-09T21:29:55","modified_gmt":"2025-09-09T19:29:55","slug":"consumer-rights-in-the-financial-market","status":"publish","type":"lesson","link":"https:\/\/fpna.pl\/en\/cr\/finances-at-a-new-address\/ls\/consumer-rights-in-the-financial-market\/","title":{"rendered":"Consumer rights in the financial market"},"content":{"rendered":"\n<div class=\"wp-block-cover is-light\" style=\"border-radius:40px;margin-top:0;margin-bottom:var(--wp--preset--spacing--60);padding-bottom:0;min-height:150px;aspect-ratio:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"338\" class=\"wp-block-cover__image-background wp-image-1046 size-large\" alt=\"\" src=\"http:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/banki-finanse-fpna-1200x338.webp\" data-object-fit=\"cover\" srcset=\"https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/banki-finanse-fpna-1200x338.webp 1200w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/banki-finanse-fpna-640x180.webp 640w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/banki-finanse-fpna-768x216.webp 768w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/banki-finanse-fpna.webp 1280w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-60 has-background-dim\" style=\"background-color:#e2f0ee\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-text-align-center has-large-font-size\" id=\"prawa-konsumenta-na-rynku-finansowym\"><strong><strong>Consumer rights in the financial market<\/strong><\/strong><\/h1>\n<\/div><\/div>\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-285f7f1ae2cacb7b0478178be7449343 wp-block-paragraph\">Your consumer rights are protected by Polish law, giving you certainty and security in your daily financial life. Knowledge of these rights is crucial to be able to defend your interests and avoid unfair practices. <\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-bottom:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-f3b0c215 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1707\" height=\"2560\" src=\"https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-sora-shimazaki-5669619-scaled.jpg\" alt=\"\" class=\"wp-image-1225\" style=\"border-radius:20px;aspect-ratio:3\/4;object-fit:cover\" srcset=\"https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-sora-shimazaki-5669619-scaled.jpg 1707w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-sora-shimazaki-5669619-427x640.jpg 427w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-sora-shimazaki-5669619-800x1200.jpg 800w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-sora-shimazaki-5669619-768x1152.jpg 768w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-sora-shimazaki-5669619-1024x1536.jpg 1024w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-sora-shimazaki-5669619-1365x2048.jpg 1365w\" sizes=\"auto, (max-width: 1707px) 100vw, 1707px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-3058d84ad6a080a864a02d758e809907\" id=\"kiedy-i-dlaczego-ostroznie-rozwazac-pozyczanie\" style=\"margin-bottom:20px;font-style:normal;font-weight:800;line-height:1.2\"><strong>Who is the consumer?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">According to the Civil Code, a consumer is an individual who performs a legal act (e.g., buys a product, signs a contract) with an entrepreneur for a purpose not directly related to his\/her business or professional activity. Put simply, a consumer is you when you buy shoes, order telecommunications service or open a bank account for your own private use. <\/p>\n\n\n\n<ul class=\"wp-block-list has-palette-color-4-color has-text-color has-link-color wp-elements-fc585610a48dc7e87bf7fc17dd8fbbe2\"><\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-4a9a87e35bfe1787ad8a1c9d40162fd5\" id=\"kiedy-i-dlaczego-ostroznie-rozwazac-pozyczanie\" style=\"margin-bottom:20px;font-style:normal;font-weight:800;line-height:1.2\"><strong><strong>Key legislation<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Two key pieces of legislation regulate consumer rights in Poland:<\/p>\n\n\n\n<ul class=\"wp-block-list has-palette-color-4-color has-text-color has-link-color wp-elements-1ef073ff3414d4fdd25d3e67f84249a7\">\n<li><strong>Civil Code<\/strong><\/li>\n\n\n\n<li><strong>Law on Consumer Rights of May 30, 2014.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These documents define your basic rights, such as the right to information, the right to withdraw from the contract, or the right to complain.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group is-content-justification-center is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-bottom:var(--wp--preset--spacing--60);padding-top:0;padding-bottom:0\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-bc99cc53 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-palette-color-1-color has-text-color has-link-color wp-elements-c176be04116d37469507471f99b63cf6 is-nowrap is-layout-flex wp-container-core-group-is-layout-12eb9cac wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-b44e42a\" id=\"gspb_iconBox-id-gsbp-b44e42a\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"128pt\" style=\"width:5rem;height:5rem;margin:10px\" height=\"128pt\" viewbox=\"0 0 128 128\">\n <path d=\"m29.301 66.457-0.050781-0.050781\" fill=\"#16866a\"><\/path>\n <path d=\"m9.8906 39.336c1.0703-0.019532 0.9375-1.5742-0.058594-1.4766-6.2188 0.61328-8.3008 6.8359-6.1875 11.578-1.4961-4.5 0.6875-10.098 6.2461-10.102z\" fill=\"#16866a\"><\/path>\n <path d=\"m113.92 70.27c0.69141 0.83984 1.2344 1.7773 1.5742 2.7812 0.69141 2.0117 0.59375 4.1992 0.34375 6.3242v0.011719c-0.003906 0.027343-0.003906 0.054687-0.003906 0.082031-0.003907 0.41016 0.32812 0.74219 0.73437 0.74609 0.41016 0.003906 0.74219-0.32812 0.74609-0.73438 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class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-2c882a53 wp-block-group-is-layout-constrained\" style=\"padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-315b2075 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-b3afc6e\" id=\"gspb_iconBox-id-gsbp-b3afc6e\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-bb8586dd53579d839b694924e00549d9 wp-block-paragraph\"><strong><strong>Right to information:<\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-ce56e8773ce13c3002568d508caac462 wp-block-paragraph\" style=\"margin-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\">Before entering into any contract, the company has an obligation to provide you with clear and understandable information about the product or service. You need to know exactly how much you will pay (including fees, commissions and interest rates), what the terms of the contract are, and how you can opt out of it <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-2c882a53 wp-block-group-is-layout-constrained\" style=\"padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-315b2075 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-2a276b9\" id=\"gspb_iconBox-id-gsbp-2a276b9\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-016b976cb4b701ed72a2a113a2c84359 wp-block-paragraph\"><strong><strong>Right of withdrawal:<\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-4093cbd4fb5c30ec7099c57fee8b1e1c wp-block-paragraph\" style=\"margin-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\">For contracts concluded at a distance (e.g., online) or off-premises (e.g., at a representative&#8217;s home), you have the right to withdraw from the contract within 14 days without giving a reason. This is a very important right that protects you from rash decisions <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-2c882a53 wp-block-group-is-layout-constrained\" style=\"padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-315b2075 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-b586dbf\" id=\"gspb_iconBox-id-gsbp-b586dbf\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-9c2a26241471065ff4eef5eef85be6a3 wp-block-paragraph\"><strong><strong>Right to Complaint:  <\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-9f5d812870b47df593cf4a723abfeb34 wp-block-paragraph\" style=\"margin-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\">If a product or service is defective or not in accordance with the contract, you have the right to file a complaint. The company is obliged to accept your complaint and process it within the statutory period. For financial complaints, the deadline is usually 30 days  <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-2c882a53 wp-block-group-is-layout-constrained\" style=\"padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-315b2075 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-098dba2\" id=\"gspb_iconBox-id-gsbp-098dba2\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-37e1eb3c09bc65ace5dc7ef5506b5199 wp-block-paragraph\"><strong><strong>The right to protection of personal data:<\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-df0fd65f5a9069ec40098388f033ebbe wp-block-paragraph\" style=\"margin-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\">Your personal data is protected. The company can only process them if it has a legal basis to do so, and it must keep them safe. You have the right to know what data it holds about you, and you have the right to correct or delete it  <\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">By knowing these laws, you are able to make more informed decisions and effectively protect yourself from potential problems.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-7740e9ca wp-block-group-is-layout-constrained\" style=\"margin-bottom:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-995f960e wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-995f960e wp-block-group-is-layout-flex\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-5d0a0f3\" id=\"gspb_iconBox-id-gsbp-5d0a0f3\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M298.212 1024c-66.152 0-132.306-25.18-182.666-75.542-100.728-100.722-100.728-264.61-0.004-365.33l524.142-524.132c78.662-78.662 206.656-78.662 285.32 0 78.662 78.664 78.662 206.654 0 285.314l-445.26 445.252c-56.594 56.602-148.694 56.606-205.3 0-56.6-56.602-56.6-148.698 0-205.298l340.602-340.596c9.372-9.372 24.568-9.372 33.94 0l11.322 11.322c9.372 9.372 9.372 24.568 0 33.942l-340.6 340.594c-31.642 31.642-31.642 83.126 0.002 114.77 31.642 31.64 83.128 31.64 114.77 0l445.26-445.252c53.702-53.702 53.702-141.082 0-194.788-53.71-53.702-141.088-53.698-194.79 0l-524.142 524.136c-75.764 75.764-75.764 199.038 0 274.802 75.768 75.762 199.046 75.764 274.808 0.002l435.486-435.478c9.372-9.372 24.568-9.372 33.94 0l11.322 11.322c9.372 9.372 9.372 24.568 0 33.942l-435.484 435.476c-50.36 50.362-116.514 75.542-182.668 75.542z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Sample complaint letter<\/strong> &#8211; PDF file<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-580524b\" id=\"gspb_button-id-gsbp-580524b\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"#\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M864 0h-704c-70.688 0-128 57.312-128 128v768c0 70.688 57.312 128 128 128h704c70.688 0 128-57.312 128-128v-768c0-70.688-57.312-128-128-128zM928 896c0 35.328-28.672 64-64 64h-704c-35.328 0-64-28.672-64-64v-64h832v64zM928 768h-832v-640c0-35.328 28.672-64 64-64h704c35.328 0 64 28.672 64 64v640zM648.576 425.024l-104.576 126.496v-391.52c0-17.664-14.304-32-32-32s-32 14.336-32 32v392.736l-105.568-127.712c-12.544-12.576-32.864-12.576-45.408 0-12.576 12.608-12.576 32.96 0 45.568l158.112 191.36c6.72 6.688 15.584 9.568 24.352 9.088 8.736 0.48 17.632-2.4 24.352-9.088l158.112-191.36c12.576-12.608 12.576-32.96 0-45.568-12.512-12.544-32.864-12.544-45.376 0z\"><\/path><\/svg><\/span><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\">Download<\/span><\/span><\/span><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-995f960e wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-995f960e wp-block-group-is-layout-flex\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-bb143c4\" id=\"gspb_iconBox-id-gsbp-bb143c4\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M298.212 1024c-66.152 0-132.306-25.18-182.666-75.542-100.728-100.722-100.728-264.61-0.004-365.33l524.142-524.132c78.662-78.662 206.656-78.662 285.32 0 78.662 78.664 78.662 206.654 0 285.314l-445.26 445.252c-56.594 56.602-148.694 56.606-205.3 0-56.6-56.602-56.6-148.698 0-205.298l340.602-340.596c9.372-9.372 24.568-9.372 33.94 0l11.322 11.322c9.372 9.372 9.372 24.568 0 33.942l-340.6 340.594c-31.642 31.642-31.642 83.126 0.002 114.77 31.642 31.64 83.128 31.64 114.77 0l445.26-445.252c53.702-53.702 53.702-141.082 0-194.788-53.71-53.702-141.088-53.698-194.79 0l-524.142 524.136c-75.764 75.764-75.764 199.038 0 274.802 75.768 75.762 199.046 75.764 274.808 0.002l435.486-435.478c9.372-9.372 24.568-9.372 33.94 0l11.322 11.322c9.372 9.372 9.372 24.568 0 33.942l-435.484 435.476c-50.36 50.362-116.514 75.542-182.668 75.542z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><strong>Model letter of complaint of goods<\/strong><\/strong> &#8211; PDF file<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-b86850c\" id=\"gspb_button-id-gsbp-b86850c\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"#\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M864 0h-704c-70.688 0-128 57.312-128 128v768c0 70.688 57.312 128 128 128h704c70.688 0 128-57.312 128-128v-768c0-70.688-57.312-128-128-128zM928 896c0 35.328-28.672 64-64 64h-704c-35.328 0-64-28.672-64-64v-64h832v64zM928 768h-832v-640c0-35.328 28.672-64 64-64h704c35.328 0 64 28.672 64 64v640zM648.576 425.024l-104.576 126.496v-391.52c0-17.664-14.304-32-32-32s-32 14.336-32 32v392.736l-105.568-127.712c-12.544-12.576-32.864-12.576-45.408 0-12.576 12.608-12.576 32.96 0 45.568l158.112 191.36c6.72 6.688 15.584 9.568 24.352 9.088 8.736 0.48 17.632-2.4 24.352-9.088l158.112-191.36c12.576-12.608 12.576-32.96 0-45.568-12.512-12.544-32.864-12.544-45.376 0z\"><\/path><\/svg><\/span><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\">Download<\/span><\/span><\/span><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-2351ae2a wp-block-group-is-layout-constrained\" style=\"border-radius:40px;margin-bottom:var(--wp--preset--spacing--60);padding-top:var(--wp--preset--spacing--60);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-f3b0c215 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-palette-color-1-color has-text-color has-link-color wp-elements-43d5a5d0023142ff786861bebb39e8d7 is-nowrap is-layout-flex wp-container-core-group-is-layout-ef6b195a wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-af02164\" id=\"gspb_iconBox-id-gsbp-af02164\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"128pt\" style=\"width:5rem;height:5rem;margin:10px\" height=\"128pt\" viewbox=\"0 0 128 128\">\n <path d=\"m38.121 62.422c-1.4102 0-2.5586-1.2656-2.5586-2.8203v-0.58594c-4.6289-0.75781-11.094-5.2148-8.0742-8.7891 0.53516-0.63281 1.2148-0.96875 1.9688-0.96875 2.0859 0 2.4414 2.5586 6.1055 3.6562v-9.793c-5.2891-1.6719-8.0781-4.832-8.0781-10.117 0-5.125 3.1406-8.8984 8.0781-9.957v-0.66797c0-1.5547 1.1484-2.8203 2.5586-2.8203s2.5586 1.2656 2.5586 2.8203v0.51953c2.6445 0.41016 5.3516 1.6602 7.1211 3.625 3.1562 3.1367-0.79688 7.2383-3.0352 4.9531-0.69141-0.78906-1.6406-1.4453-2.8398-1.9844-0.41016-0.18359-0.82812-0.33594-1.2461-0.46094v9.2812c3.293 0.97656 5.9766 2.1758 7.5977 4.9883 3.2734 5.6875 0.59766 14.305-7.5977 15.75v0.55078c0 1.5547-1.1484 2.8203-2.5586 2.8203zm-9.2539-8.668c4.875 5.0273 8.1719 3.0117 8.1719 4.6211 0.046876 0.24219-0.33984 2.5664 1.082 2.5664 2.0039 0 0.25-3.082 1.7305-3.2617 2.8125-0.34766 5.3906-1.75 6.9258-4.1875 1.7891-2.832 1.5312-7.1758 0.21875-9.4609-2.3789-4.1328-7.793-3.9023-7.793-5.168 0.097656-11-0.23828-10.922 0.26562-11.34 0.52344-0.43359 2.457 0.34766 3.0586 0.61719 3.1758 1.4219 2.9258 2.4688 3.7422 2.4688 0.69531 0 1.2188-0.77344 1.2188-1.5 0-1.582-2.6328-3.293-4.3125-3.9922-2.7695-1.1523-3.9766-0.46484-3.9766-1.5703-0.042969-0.21484 0.33594-2.5117-1.082-2.5117-0.59766 0-1.082 0.60156-1.082 1.3438v1.2812c0 1.2852-4.2383 0.37891-6.8672 4.6914-1.8047 2.9609-1.7109 7.9922 0.93359 10.605 3.043 3.0078 5.9336 2.3125 5.9336 3.6172-0.097656 11.543 0.23828 11.43-0.26562 11.844-0.51172 0.42969-2.3203-0.30078-2.8828-0.5625-1.2852-0.60547-2.543-1.5508-3.7344-2.8125-1.0664-1.1211-2.9844 1.0469-1.2852 2.7109zm10.336 0.13281c0.11719-10.492-0.26953-10.449 0.31641-10.859 0.19922-0.13672 0.45312-0.16797 0.67969-0.085938 7.8516 2.9336 6.1992 10.488-0.12109 11.668-0.45312 0.089844-0.875-0.25781-0.875-0.72266zm1.4766-9.1484v8.1992c0.63281-0.21094 1.207-0.51172 1.7188-0.89844 1.0508-0.80078 1.5625-1.7695 1.5625-2.9648-0.042969-2.2969-1.2266-3.3945-3.2812-4.3359zm-4.6602-6.3203c-2.7773-1.1289-4.4922-2.5742-4.4922-5.6094 0-2.8516 1.9648-4.7188 4.6016-5.3477 0.47266-0.10938 0.91016 0.24609 0.91016 0.71875-0.11719 9.6953 0.27734 9.7617-0.32812 10.164-0.19922 0.14062-0.45703 0.17188-0.69141 0.074219zm-0.45703-9.2266c-3.2656 1.3438-3.1719 5.1719-1.168 6.6797 0.32812 0.24609 0.71875 0.48828 1.168 0.71875z\" fill=\"#16866a\"><\/path>\n <path d=\"m63.277 68.324h-41.711c-2.207 0-4.0078 1.8008-4.0078 4.0078v2.4141c0 2.2148 1.8008 4.0078 4.0078 4.0078h41.707c2.207 0 4.0078-1.793 4.0078-4.0078v-2.4141c0.003906-2.207-1.8008-4.0078-4.0039-4.0078zm2.5312 6.418c0 1.3984-1.1328 2.5312-2.5312 2.5312h-41.711c-1.3984 0-2.5312-1.1328-2.5312-2.5312v-2.4141c0-1.3867 1.1328-2.5312 2.5312-2.5312h41.707c1.3984 0 2.5312 1.1406 2.5312 2.5312z\" fill=\"#16866a\"><\/path>\n <path d=\"m63.277 85.18h-41.711c-2.207 0-4.0078 1.793-4.0078 4.0078v2.4023c0 2.2148 1.8008 4.0078 4.0078 4.0078h41.707c2.207 0 4.0078-1.793 4.0078-4.0078l0.003906-2.4023c0-2.2148-1.8047-4.0078-4.0078-4.0078zm2.5312 6.4102c0 1.3984-1.1328 2.5312-2.5312 2.5312h-41.711c-1.3984 0-2.5312-1.1328-2.5312-2.5312l0.003906-2.4023c0-1.3984 1.1328-2.5312 2.5312-2.5312h41.707c1.3984 0 2.5312 1.1328 2.5312 2.5312z\" fill=\"#16866a\"><\/path>\n <path d=\"m123.75 48.301c-0.50781-2.2305-1.8398-4.3906-4.0117-5.6211-0.023437-0.011719-0.054687-0.027344-0.078125-0.039063-0.37891-0.15625-0.80859 0.019531-0.96875 0.39844-0.15625 0.37891 0.019532 0.80859 0.39844 0.96875 1.8125 0.75781 3.2656 2.5039 3.9531 4.4961 0.70312 2.0234 0.6875 4.2812 0.66797 6.4844 0.25391-2.1875 0.54297-4.4297 0.039062-6.6875z\" fill=\"#16866a\"><\/path>\n <path d=\"m111.32 42.75c-2.3047-0.49219-4.8555 0.058594-6.6641 1.3203-0.33594-43.137 0.70703-43.086-0.73828-43.086h-75.777c-13.332 0-24.172 10.852-24.172 24.172v77.695c0 13.324 10.84 24.164 24.172 24.164h52.344c13.332 0 24.172-10.84 24.172-24.164v-23.266c6.0234-8.6055 14.652-21.93 15.043-22.617 1.5156-2.7461 0.86719-6.6367-0.54297-9.0469-1.6133-2.7461-5.1875-4.6094-7.8359-5.1719zm-0.30469 1.4492c2.4141 0.51172 5.543 2.2148 6.8633 4.4688 2.4141 4.1289 0.51563 7.5312 0.50391 7.6289-3.6641 4.6094-1.5078 4.1055-13.727-4.4219v-0.011719c-1.2617-0.92188-1.2539-0.87891-1.4766-1.1016v-0.011719c-0.6875-0.71094-0.94531-1.8594 0-2.7773 1.1797-1.6562 1.2148-1.6641 1.2305-1.6953 1.8398-1.9805 4.4531-2.5312 6.6055-2.0781zm-7.8477 1.2695c-0.41406 0.51562-2.9531 4.1445-3.1523 4.4297l-23.461-21.484 26.555-24.91zm0.011719 57.383c0 12.504-10.18 22.688-22.695 22.688h-52.344c-12.516 0-22.695-10.18-22.695-22.688v-77.695c0-12.516 10.18-22.695 22.695-22.695h73.914c-27.93 26.344-28.004 25.645-27.086 26.508l24.191 22.152c-3.4258 4.9219-8.4102 12.121-12.918 18.641-4.9609 7.168-9.2461 13.359-9.9531 14.328-3.1484 4.3125-5.3203 17.449-5.2969 17.348-1.2617 5.1523-2.0312 7.1367-0.73828 7.1367 0.48047 0 7.793-3.7695 8.0625-3.9102 11.602-5.9961 13.129-6.4414 24.863-22.992zm-17.25-4.0938c-2.5312 1.5078-4.9727 2.8555-7.3047 4.0859-0.59766-2.8516-3.543-4.707-5.4648-4.1641 1.4492-6.1953 1.0977-6.7109 2.1758-9.6289 1.1133 5.3086 5.4805 9.6211 10.594 9.707zm-14.602 7.7188c0.023438-0.10156 1.2734-5.418 1.25-5.3164 0.011719-0.019531 0.011719-0.039062 0.019531-0.058594 0.75781-2.4492 4.3945-0.16797 4.6484 2.4531zm15.762-8.4102c-0.011719-0.011718-0.011719 0-0.011719 0-2.0547-0.22656-4.3164-1.1602-6.1445-2.5977l21.031-31.785-22.133 30.84c-2.1328-2.0312-3.3398-4.2461-4.3125-5.9961 0.52344-1.3008 1.1797-2.5 1.9609-3.5625 0.71875-0.98438 5.0117-7.1875 9.9844-14.367 4.3984-6.3633 9.4258-13.629 13.875-19.988 0.54688 1.3555 1.6758 1.8242 2.2148 2.2852-28.934 44.145-19.035 29.043-21.16 32.285 4.4531-6.2656-11.516 16.203 22.34-31.43l6.418 4.668c-15.098 22.496-10.555 15.734-22.32 33.27 15.941-21.969 4.5273-6.2422 23.512-32.402 0.24219 0.10156 1.6836 1.582 3.25 1.3203-5.207 8.0469-21.449 33.223-28.504 37.461z\" fill=\"#16866a\"><\/path>\n<\/svg><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-palette-color-3-color has-text-color has-link-color has-medium-font-size wp-elements-fb24fa37806fa599794d5b804151ab9f\" id=\"dlaczego-warto-wziac-gleboki-oddech-i-dac-sobie-czas\"><strong><strong>Sample complaint letter<\/strong><\/strong><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-995f960e wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">[Customer&#8217;s name]<br\/>[Residential address]<br\/>[Telephone number]<br\/>[Email address]<br\/>[Bank account number]<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-right wp-block-paragraph\">[City], on [date]<br\/><br\/><br\/><strong>[Name of Bank\/Financial Institution<\/strong>]<br\/> [Address of Bank\/Financial Institution] <br\/>[Branch number, if applicable]<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Complaint number:<\/strong> [If you have one, enter the number of the complaint reported, e.g. by telephone].<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Regarding: Complaint regarding [type of product\/service, e.g., erroneous transfer, charge, failure to carry out instructions].<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dear Sirs,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I hereby make a complaint regarding [type of product\/service, e.g., personal account number  <strong>_<\/strong><em>**<\/em><strong>_<\/strong><em>**<\/em><strong>_<\/strong><em>**<\/em><strong>_<\/strong><em>**<\/em><strong>_<\/strong><em>**<\/em><strong>_<\/strong><em>**<\/em><strong>_<\/strong><em>**<\/em><strong>_<\/strong><em>**<\/em><strong>_<\/strong><em>**<\/em>**] in connection with the situation that occurred on [date of event].<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Detailed description of the problem:<\/strong> [At this point, describe exactly what happened. Give dates, amounts, transaction numbers or other relevant details. The more detailed the description, the easier it will be to solve the problem. For example:     <em>On 15\/08\/2025, I noticed that my account was charged a fee of PLN 15 for account maintenance. According to the agreement I concluded, account maintenance should be free if I meet the conditions (e.g. monthly inflow of PLN 1,000). This condition was fulfilled by me, as confirmed by the transaction history.   <\/em>]<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Request\/Request:<\/strong> In connection with the above, I request [e.g., refund of the improperly charged fee to my account, cancellation of the transaction, clarification of the situation].<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thank you in advance for your prompt consideration of my complaint. I expect a written response within the statutory period of 30 days from the date of receipt of this letter. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sincerely,<br\/>[Legible signature] [Name].<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-2351ae2a wp-block-group-is-layout-constrained\" style=\"border-radius:40px;margin-bottom:var(--wp--preset--spacing--60);padding-top:var(--wp--preset--spacing--60);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-f3b0c215 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-palette-color-1-color has-text-color has-link-color wp-elements-b796d848f6503e11b7928d85fdc3ce76 is-nowrap is-layout-flex wp-container-core-group-is-layout-ef6b195a wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-bcd3725\" id=\"gspb_iconBox-id-gsbp-bcd3725\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"128pt\" style=\"width:5rem;height:5rem;margin:10px\" height=\"128pt\" viewbox=\"0 0 128 128\">\n <path d=\"m38.121 62.422c-1.4102 0-2.5586-1.2656-2.5586-2.8203v-0.58594c-4.6289-0.75781-11.094-5.2148-8.0742-8.7891 0.53516-0.63281 1.2148-0.96875 1.9688-0.96875 2.0859 0 2.4414 2.5586 6.1055 3.6562v-9.793c-5.2891-1.6719-8.0781-4.832-8.0781-10.117 0-5.125 3.1406-8.8984 8.0781-9.957v-0.66797c0-1.5547 1.1484-2.8203 2.5586-2.8203s2.5586 1.2656 2.5586 2.8203v0.51953c2.6445 0.41016 5.3516 1.6602 7.1211 3.625 3.1562 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4.0078h41.707c2.207 0 4.0078-1.793 4.0078-4.0078v-2.4141c0.003906-2.207-1.8008-4.0078-4.0039-4.0078zm2.5312 6.418c0 1.3984-1.1328 2.5312-2.5312 2.5312h-41.711c-1.3984 0-2.5312-1.1328-2.5312-2.5312v-2.4141c0-1.3867 1.1328-2.5312 2.5312-2.5312h41.707c1.3984 0 2.5312 1.1406 2.5312 2.5312z\" fill=\"#16866a\"><\/path>\n <path d=\"m63.277 85.18h-41.711c-2.207 0-4.0078 1.793-4.0078 4.0078v2.4023c0 2.2148 1.8008 4.0078 4.0078 4.0078h41.707c2.207 0 4.0078-1.793 4.0078-4.0078l0.003906-2.4023c0-2.2148-1.8047-4.0078-4.0078-4.0078zm2.5312 6.4102c0 1.3984-1.1328 2.5312-2.5312 2.5312h-41.711c-1.3984 0-2.5312-1.1328-2.5312-2.5312l0.003906-2.4023c0-1.3984 1.1328-2.5312 2.5312-2.5312h41.707c1.3984 0 2.5312 1.1328 2.5312 2.5312z\" fill=\"#16866a\"><\/path>\n <path d=\"m123.75 48.301c-0.50781-2.2305-1.8398-4.3906-4.0117-5.6211-0.023437-0.011719-0.054687-0.027344-0.078125-0.039063-0.37891-0.15625-0.80859 0.019531-0.96875 0.39844-0.15625 0.37891 0.019532 0.80859 0.39844 0.96875 1.8125 0.75781 3.2656 2.5039 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22.688h-52.344c-12.516 0-22.695-10.18-22.695-22.688v-77.695c0-12.516 10.18-22.695 22.695-22.695h73.914c-27.93 26.344-28.004 25.645-27.086 26.508l24.191 22.152c-3.4258 4.9219-8.4102 12.121-12.918 18.641-4.9609 7.168-9.2461 13.359-9.9531 14.328-3.1484 4.3125-5.3203 17.449-5.2969 17.348-1.2617 5.1523-2.0312 7.1367-0.73828 7.1367 0.48047 0 7.793-3.7695 8.0625-3.9102 11.602-5.9961 13.129-6.4414 24.863-22.992zm-17.25-4.0938c-2.5312 1.5078-4.9727 2.8555-7.3047 4.0859-0.59766-2.8516-3.543-4.707-5.4648-4.1641 1.4492-6.1953 1.0977-6.7109 2.1758-9.6289 1.1133 5.3086 5.4805 9.6211 10.594 9.707zm-14.602 7.7188c0.023438-0.10156 1.2734-5.418 1.25-5.3164 0.011719-0.019531 0.011719-0.039062 0.019531-0.058594 0.75781-2.4492 4.3945-0.16797 4.6484 2.4531zm15.762-8.4102c-0.011719-0.011718-0.011719 0-0.011719 0-2.0547-0.22656-4.3164-1.1602-6.1445-2.5977l21.031-31.785-22.133 30.84c-2.1328-2.0312-3.3398-4.2461-4.3125-5.9961 0.52344-1.3008 1.1797-2.5 1.9609-3.5625 0.71875-0.98438 5.0117-7.1875 9.9844-14.367 4.3984-6.3633 9.4258-13.629 13.875-19.988 0.54688 1.3555 1.6758 1.8242 2.2148 2.2852-28.934 44.145-19.035 29.043-21.16 32.285 4.4531-6.2656-11.516 16.203 22.34-31.43l6.418 4.668c-15.098 22.496-10.555 15.734-22.32 33.27 15.941-21.969 4.5273-6.2422 23.512-32.402 0.24219 0.10156 1.6836 1.582 3.25 1.3203-5.207 8.0469-21.449 33.223-28.504 37.461z\" fill=\"#16866a\"><\/path>\n<\/svg><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-palette-color-3-color has-text-color has-link-color has-medium-font-size wp-elements-8e3a5e19343549af171f650f894fd7c3\" id=\"dlaczego-warto-wziac-gleboki-oddech-i-dac-sobie-czas\"><strong><strong><strong>Model letter of complaint of goods<\/strong><\/strong><\/strong><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-995f960e wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">[Customer&#8217;s name]<br\/>[Residential address]<br\/>[Telephone number]<br\/>[Email address]<br\/>[Bank account number]<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-right wp-block-paragraph\">[City], on [date]<br\/><br\/><br\/><br\/><strong>[Name of Vendor\/Store<\/strong> ] <br\/>[Address of Vendor\/Store] <br\/>[E-mail or phone number for contact].<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Complaint number:<\/strong> [If you have one, enter the number of the complaint reported, e.g. by telephone].<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Subject: Claim for goods purchased on [date of purchase] &#8211; [name of goods].<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dear Sirs,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I hereby make a complaint regarding the goods purchased from your store. The details of the purchase are: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Merchandise <strong>name:<\/strong> [e.g., Samsung Galaxy S23 smartphone].<\/li>\n\n\n\n<li><strong>Receipt\/invoice number:<\/strong> [purchase document number].<\/li>\n\n\n\n<li><strong>Purchase date:<\/strong> [date of purchase, e.g., 15\/08\/2025].<\/li>\n\n\n\n<li><strong>Purchase price:<\/strong> [amount, e.g., 3500 PLN].<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Detailed description of the defect:<\/strong> [Here describe exactly what the defect in the goods is and when you noticed it. The more detailed the description, the better. For example:    <em>The defect became apparent after two weeks of use. The phone does not charge properly, and the battery drains in a few hours, despite standard use. I tried using different chargers, but the problem persisted. The phone has not been exposed to a fall or flooding.   <\/em>]<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Demand under complaint:<\/strong> In accordance with the Consumer Rights Act, in connection with the above defect, I demand: <strong>(choose one of the following and cross out the others, or choose more and arrange according to your preference)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>repairs to<\/strong> goods;<\/li>\n\n\n\n<li><strong>Replacement of<\/strong> the goods with new, defect-free goods;<\/li>\n\n\n\n<li><strong>Reduce the price of<\/strong> the goods by the amount of [specify amount];<\/li>\n\n\n\n<li><strong>cash refund<\/strong> in exchange for goods.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Thank you in advance for your prompt consideration of my complaint. I expect a written response within the statutory period of 14 days from the date of receipt of this letter. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sincerely,<br\/>[Legible signature] [Name].<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","class_list":["post-1872","lesson","type-lesson","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/lesson\/1872","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/lesson"}],"about":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/types\/lesson"}],"replies":[{"embeddable":true,"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/comments?post=1872"}],"wp:attachment":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/media?parent=1872"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}