KupDlugi.pl – Online Liability Exchange

Terms of use

§ 1 General provisions

  1. The entity offering liability sale through the website www.kupdlugi.pl (hereinafter referred to as the Service) is Fast Finance S.A., a company based in Wroclaw, ul. Agrestowa 112 (correspondence address: ul. Wołowska 20, 51-116 Wroclaw), entered into the National Court Register maintained by the District Court for Wroclaw-Fabryczna VI Commercial Division of the National Court Register, under KRS number 0000299407, NIP number: (Tax Identification Number) 8992510954 (hereinafter referred to as: FAST FINANCE).
  2. The client, in the meaning of these terms of use (hereinafter referred to as Terms of Use), is an adult natural person, a legal entity or an organizational unit without legal personality, which in light of the applicable provisions holds legal capacity, who intends to acquire or acquires a liability through the Service.
  3. Only customers who are not debtors of FAST FINANCE on account of liabilities are entitled to buy liabilities through the Service.
  4. All correspondence connected with liability purchase through the Service shall be conducted only in the Republic of Poland.
  5. FAST FINANCE offers for sale, via debt exchange, liabilities appertaining to:
    1. FAST FINANCE SA
    2. other entities on behalf of whom FAST FINANCE S.A. provides debt collection services. 
  6. In the case of a client making an offer to purchase liability belonging to the entity referred to in § 1.5.2, FAST FINANCE shall within 7 working days provide the client with the contact details of the creditor, with whom he may carry out further negotiations. From the moment of transfer of data referred to in the preceding sentence, FAST FINANCE is not entitled to take any action in such a case and will not be liable for any actions of the creditor.
  7. FAST FINANCE is not liable for any irregularities in the operation of the server, on which the www.kupdlugi.pl website is placed, including, in particular, an irregularity in the functioning of the website, the lack of access to the site, failures, damage or other disturbance in the functioning of the site, provided that these irregularities were not caused by FAST FINANCE.

§ 2 Rules of liability purchase and price payment

  1. By entering into negotiations targeted at the  purchase of liabilities, the client shall submit an information regarding the intention to purchase liabilities available in the Service at the website referred to in § 1.1 of the Terms of Use by taking the following actions:
    1. selecting the liability he wishes to purchase,
    2. opening the “Submit purchase offer” tab on the website,
    3. filling the application form and sending it in electronic form to FAST FINANCE.
  2. Submitting the information about the intention to purchase liabilities through the abovementioned method by the client is a confirmation that he has become acquainted with the content of the Terms of Use and has accepted same.
  3. Upon receipt of the completed form, but no later than within 7 working days post its receipt, the representative of FAST FINANCE shall make contact with the client in electronic form to the address specified by the client in the form in order to negotiate  the price of debt.
  4. FAST FINANCE reserves the right not to respond to offers, where the data described on the website as "necessary to purchase the liabilities" was entered by the client incorrectly, it was incomplete or its obvious inaccuracy is transparent.
  5. FAST FINANCE shall not be responsible for incorrect entering of contact information by the client, with particular emphasis on the customer’s e-mail address, resulting in the inability to answer the submitted offer.
  6. During the negotiation, the offer for a contract containing the proposed price by FAST FINANCE, is binding for FAST FINANCE for a period of 7 working days from the date of submission, each time such offer is submitted. The offer referred to in the preceding sentence is not binding if the negotiations are conducted by a person unauthorised to use the Service in accordance with § 1.3 of the Terms of Use.
  7. The price of a liability available in the Service will be agreed upon through negotiation; it cannot be, however, less than 50% of the total value of the liability. When negotiating the price, the nature of the debt (including overdue period, the value of the debt, the amount and type of collateral) are taken into account.
  8. If parties, by means of negotiations, agree the price for the purchased liability, FAST FIANCE SA:
    1. Within the term of 7 working days from the day of the price being agreed:
      1. sends an email message to the Client with a confirmation of the fact of completion of negotiations and with an indication of the amount of the agreed price,
      2. The Client sends to FAST FINANCE a confirmation of conditions of the purchase of liabilities indicated in the email from FAST FINANCE,
      3. FAST FINANCE send to the Client in a written form an agreement of transfer of liabilities together with attachments comprising Terms and Conditions and a summary of liabilities (further referred to as the Agreement) in two copies to the address indicated within the contact form, as specified in § 2.1, item 3 of the Terms of Use (further referred to as Address of Client).  Once such Agreement has been signed by the Client is obliged to return all of its copies to the address of FAST FINANCE, specified in § 1.1 of the Terms of Use. In case of FAST FINANCE not obtaining the signed copies of the agreement within 4 weeks from the day of confirmation, as specified in § 2.8 item 1(a) of Terms of Use, it is considered that the Client has withdrawn from the Agreement. In such case FAST FINANCE sends the Client an email informing him of its withdrawal from the Agreement conclusion. The Client is entitled to re-purchase the liability which was the subject of withdrawal. In order to do so he ought to conduct the procedure of purchase of liability defined within Terms of Use once again.
    2. Upon receipt of the signed copies of the agreement from the Client FAST FINANCE countersigns the Agreement and informs the Client of this fact via email within 7 working days from the day of signing it by FAST FINANCE. The email also contains the information about the date of signing the Agreement.
    3. The copy of the Agreement which contain the signature of FAST FINANCE is at that point sent to the Client to the address of the Client within 5 working days from the day of payment by the Client of the price in accordance with the provisions specified in § 2.11.
    4. The Client is obliged to pay the price for the purchased liability within 5 days from the date of obtaining information about FAST FINANCE signature to the bank account defined within the Agreement.;
  9. Posting the Agreement to the Client in accordance of § 2.8 item 1(b) of the Terms of Use is a written confirmation of the information in the meaning of art.9.3 of the act as specified in § 5.4 of the Terms of Use.
  10. The Agreement is concluded once the payment of the price is made by the Client in accordance with sec. 8, item. 1(3) above. At that time the transfer of liability which is the subject of the Agreement takes effect, which comprises at the same time the fulfilment of provision of the Agreement by FAST FINANCE.
  11. The Agreements of liability transfer which are concluded with Clients are not of the character of agreements on continuous or periodic supply of services.

§ 3 Principles concerning complaints

  1. Complaints related to the concluded Agreement may be submitted by Clients in the written form to the address: FAST FINANCE, Dział sprzedaży wierzytelności, ul. Wołowska 20, 51-116 Wrocław, via electronic means to the email address: biuro@kupdlugi.pl or by means of fax at the number 71 797 41 68.
  2. FAST FINANCE undertakes to review the submitted complaint and inform the Client about its position via email sent to the email address of the Client (or via other, alternative means indicated by the Client), within 7 working days from the date of receipt of a complaint. In particularly justified cases this deadline may be prolonged by subsequent 7 working days, which will be communicated by FAST FINANCE to the Client, indicating the reasons for postponing. Notification of deadline extension ought to be done in the time and in a way specified in the initial sentence.

§ 4 Withdrawal from the Agreement

  1. The Client may withdraw from the concluded Agreement without indicating reasons for it within the term of 10 days from the date of provision of service by FAST FINANCE in the meaning of § 2.10 of the Terms of Use, by submitting to FAST FINANCE an appropriate declaration in a written form (declaration sample will be passed onto the Client together with the Agreement in accordance with § 2.8, item 1(b) of the Terms of Use sent to the address indicated in § 1.1 of Terms of Use.
  2. The Agreement shall not cover instances specified in art.10.3 of the act, specified in § 5.4 of Terms of Use, excluding the right of the Client to withdraw from the Agreement.
  3. Once a withdrawal from the Agreement is successful, the Agreement is considered as unconcluded and in such case, FAST FINANCE is obliged to immediately but no later than in 7 working days from receipt of declaration of withdrawal, return the price paid by the Client.
  4. In case when the purchase of liability is conducted by an entrepreneur in the meaning of the Act on freedom of economic activity from 2 July 2004 (Journal of Laws 04.173.1807 as amended) in the scope of the conducted by him activity, the provisions of § 4.1 to 3 and § 5.4 of Terms of Use shall not apply.

§ 5 Additional provisions

  1. The law which regulates relations between parties is the law of the Republic of Poland.
  2. Public liabilities related to the conclusion of the Agreement shall be the responsibility of the party indicated within the provisions of law in force.
  3. To any matters unresolved within the Terms of Use the provisions of the Civil Code shall apply.
  4. To any matters unresolved within the Terms of Use the provisions of the Act on protection of some consumer rights and act on liability for damages caused by a hazardous product of 2 March 2000 (Journal of Laws 00.22.271 as amended) with reservation to § 4.4 of the Terms of Use.

Up