{"id":1757,"date":"2016-12-31T00:00:00","date_gmt":"2016-12-30T23:00:00","guid":{"rendered":"https:\/\/i-rs.pl\/?p=1757"},"modified":"2022-11-02T09:45:37","modified_gmt":"2022-11-02T08:45:37","slug":"administrator-danych-osobowych-kim-jest-i-jakie-pelni-funkcje","status":"publish","type":"post","link":"https:\/\/i-rs.pl\/en\/administrator-danych-osobowych-kim-jest-i-jakie-pelni-funkcje\/","title":{"rendered":"Administrator Danych Osobowych &#8211; kim jest i jakie pe\u0142ni funkcje?"},"content":{"rendered":"\t\t<div data-elementor-type=\"single-post\" data-elementor-id=\"1757\" class=\"elementor elementor-1757\" data-elementor-post-type=\"post\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ced9433 elementor-section-height-min-height elementor-section-items-stretch elementor-section-full_width elementor-section-height-default\" data-id=\"ced9433\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6259b565\" data-id=\"6259b565\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f5e23cd elementor-align-start elementor-widget__width-auto elementor-absolute elementor-hidden-phone elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2f5e23cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-facebook-f\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-twitter\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin-in\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22f85ca0 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"22f85ca0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Administrator Danych Osobowych &#8211; kim jest i jakie pe\u0142ni funkcje?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3d5138e8\" data-id=\"3d5138e8\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;background_motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;background_motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;background_motion_fx_translateY_direction&quot;:&quot;negative&quot;,&quot;background_motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;2&quot;,&quot;sizes&quot;:[]},&quot;background_motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:100}},&quot;background_motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9501c55 elementor-widget elementor-widget-spacer\" data-id=\"9501c55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3a227cee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3a227cee\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7ff8d4af\" data-id=\"7ff8d4af\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e1079ac elementor-widget elementor-widget-theme-post-content\" data-id=\"3e1079ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p>Poni\u017cej przedstawiamy kr\u00f3tki komentarz do dzisiejszego wyroku TSUE wydanego w sprawie C-744\/24. Trybuna\u0142 wskaza\u0142, \u017ce przepisy prawa Unii Europejskiej sprzeciwiaj\u0105 si\u0119 pobieraniu odsetek od koszt\u00f3w ubezpieczenia (co by\u0142o przedmiotem pytania), niemniej rozszerzy\u0142 to stanowisko na ca\u0142o\u015b\u0107 pozaodsetkowych koszt\u00f3w kredytu.<\/p>\n<p>Trybuna\u0142 wyja\u015bni\u0142 jednak, \u017ce bank ma prawo do wynagrodzenia za po\u017cyczenie pieni\u0119dzy na pokrycie tych koszt\u00f3w, tyle \u017ce poprzez zastosowanie wy\u017cszego oprocentowania pozosta\u0142ej cz\u0119\u015bci kredytu. Ostatecznie, z punktu widzenia kredytobiorcy, \u0142\u0105czny koszt odp\u0142atno\u015bci za udzielenie kredytu mo\u017ce pozosta\u0107 bez zmian, zmieni si\u0119 jedynie mechanizm jego naliczania (pkt 60 wyroku).<\/p>\n<p>Co istotne, Trybuna\u0142 w uzasadnieniu wyroku w og\u00f3le nie nawi\u0105za\u0142 zar\u00f3wno do sankcji kredytu darmowego (SKD) jak i co do zasady proporcjonalno\u015bci w kontek\u015bcie tej potencjalnej wady umowy.<\/p>\n<p>Bior\u0105c pod uwag\u0119 wcze\u015bniejsze uwagi Trybuna\u0142u dotycz\u0105ce proporcjonalno\u015bci sankcji zawarte w wyroku C-472\/23, w naszej ocenie nale\u017cy negatywnie odpowiedzie\u0107 na pytanie, czy uchybienie to mo\u017ce skutkowa\u0107 skuteczno\u015bci\u0105 z\u0142o\u017cenia o\u015bwiadczenia o SKD.<\/p>\n<p>Wst\u0119pna analiza uzasadnienia pozwala przyj\u0105\u0107, \u017ce wyrok ten nie powinien diametralnie zmieni\u0107 obecnej tendencji orzeczniczej na niekorzy\u015b\u0107 bank\u00f3w. Ustawa o kredycie konsumenckim w \u017cadnym miejscu nie wskazuje, aby kredytowanie pozaodsetkowych koszt\u00f3w wi\u0105za\u0142o si\u0119 z prawem do skorzystania z sankcji kredytu darmowego, o kt\u00f3rej mowa w art. 45 ustawy. Samo w sobie nie wp\u0142ywa to r\u00f3wnie\u017c na prawid\u0142owo\u015b\u0107 wyliczenia RRSO czy okre\u015blenie w umowie ca\u0142kowitej kwoty kredytu. Cho\u0107 kredytobiorcy w\u0142a\u015bnie w tym fakcie upatruj\u0105 b\u0142\u0119d\u00f3w uzasadniaj\u0105cych SKD, stanowisko to nie jest zasadne. Niezale\u017cnie bowiem od dopuszczalno\u015bci takiego mechanizmu, nie wp\u0142ywa on na elementy umowy wymienione w art. 30 ustawy (pkt 4, 6, 7 itd.).<\/p>\n<p>Zgodnie z wyrokiem TSUE w sprawie C-472\/23: \u201eokoliczno\u015b\u0107, i\u017c w umowie o kredyt wskazano rzeczywist\u0105 roczn\u0105 stop\u0119 oprocentowania, kt\u00f3ra okazuje si\u0119 zawy\u017cona ze wzgl\u0119du na to, \u017ce niekt\u00f3re warunki tej umowy zosta\u0142y nast\u0119pnie uznane za nieuczciwe [&#8230;] nie stanowi sama w sobie naruszenia obowi\u0105zku informacyjnego\u201d.<\/p>\n<p>Tre\u015b\u0107 dzisiejszego wyroku b\u0119dzie wymaga\u0142a pog\u0142\u0119bionej analizy, niemniej wydaje si\u0119, \u017ce Trybuna\u0142 ju\u017c wcze\u015bniej przes\u0105dzi\u0142, i\u017c nawet uznanie kredytowania koszt\u00f3w za potencjaln\u0105 wad\u0119 nie powoduje skutku w postaci SKD. Wyrok w sprawie C-744\/24 nie powinien by\u0107 zatem prze\u0142omowy, cho\u0107 mo\u017ce generowa\u0107 wi\u0119cej pyta\u0144 i niepewno\u015bci ni\u017c przed jego wydaniem.<\/p>\n<p>&nbsp;<\/p>\n<p>Autorzy:<\/p>\n<p>Micha\u0142 Szymankiewicz, radca prawny, Dyrektor Departamentu Procesowego Obs\u0142ugi Zak\u0142ad\u00f3w Ubezpiecze\u0144<\/p>\n<p>Waldemar Szubert, radca prawny<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-037893b elementor-widget elementor-widget-text-editor\" data-id=\"037893b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Udost\u0119pnij:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b192777 elementor-share-buttons-mobile--align-center elementor-share-buttons--view-icon elementor-share-buttons--skin-gradient elementor-share-buttons--shape-square elementor-grid-0 elementor-share-buttons--color-official elementor-widget elementor-widget-share-buttons\" data-id=\"b192777\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_email\" role=\"button\" tabindex=\"0\" aria-label=\"Share on email\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fas fa-envelope\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22b4adba elementor-post-navigation-borders-yes elementor-widget elementor-widget-post-navigation\" data-id=\"22b4adba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-navigation.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-post-navigation\" role=\"navigation\" aria-label=\"Post Navigation\">\n\t\t\t<div class=\"elementor-post-navigation__prev elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/i-rs.pl\/en\/wyplata-z-rachunku-bankowego-po-smierci\/\" rel=\"prev\"><span class=\"post-navigation__arrow-wrapper post-navigation__arrow-prev\"><i aria-hidden=\"true\" class=\"fas fa-caret-left\"><\/i><span class=\"elementor-screen-only\">Prev<\/span><\/span><span class=\"elementor-post-navigation__link__prev\"><span class=\"post-navigation__prev--label\">Poprzednie<\/span><span class=\"post-navigation__prev--title\">Wyp\u0142ata z rachunku bankowego po \u015bmierci<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-post-navigation__separator-wrapper\">\n\t\t\t\t\t<div class=\"elementor-post-navigation__separator\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-post-navigation__next elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/i-rs.pl\/en\/uprawnienia-pracownika-w-razie-niezgodnego-z-prawem-rozwiazania-przez-pracodawce-umowy-o-prace-bez-wypowiedzenia\/\" rel=\"next\"><span class=\"elementor-post-navigation__link__next\"><span class=\"post-navigation__next--label\">Nast\u0119pny<\/span><span class=\"post-navigation__next--title\">Uprawnienia pracownika w razie niezgodnego z prawem rozwi\u0105zania przez pracodawc\u0119 umowy o prac\u0119 bez wypowiedzenia<\/span><\/span><span class=\"post-navigation__arrow-wrapper post-navigation__arrow-next\"><i aria-hidden=\"true\" class=\"fas fa-caret-right\"><\/i><span class=\"elementor-screen-only\">Next<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1c0b2464\" data-id=\"1c0b2464\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-756f1fec elementor-widget elementor-widget-heading\" data-id=\"756f1fec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Warto przeczyta\u0107<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ad303a8 elementor-grid-1 elementor-posts--thumbnail-left elementor-grid-tablet-1 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"1ad303a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;20&quot;,&quot;sizes&quot;:[]},&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_columns_tablet&quot;:&quot;1&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-5633 post type-post status-publish format-standard has-post-thumbnail hentry category-aktualnosci category-obsluga-prawna entry has-media\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/i-rs.pl\/en\/kredytowanie-pozaodsetkowych-kosztow-kredytu-a-sankcja-kredytu-darmowego-wstepne-wnioski-po-wyroku-c-744-24\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"420\" height=\"420\" src=\"https:\/\/i-rs.pl\/wp-content\/uploads\/2026\/04\/tsue-420x420.png\" class=\"attachment-medium size-medium wp-image-5634\" alt=\"\" srcset=\"https:\/\/i-rs.pl\/wp-content\/uploads\/2026\/04\/tsue-420x420.png 420w, https:\/\/i-rs.pl\/wp-content\/uploads\/2026\/04\/tsue-768x768.png 768w, https:\/\/i-rs.pl\/wp-content\/uploads\/2026\/04\/tsue-12x12.png 12w, https:\/\/i-rs.pl\/wp-content\/uploads\/2026\/04\/tsue-600x600.png 600w, https:\/\/i-rs.pl\/wp-content\/uploads\/2026\/04\/tsue.png 1200w\" sizes=\"(max-width: 420px) 100vw, 420px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h5 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/i-rs.pl\/en\/kredytowanie-pozaodsetkowych-kosztow-kredytu-a-sankcja-kredytu-darmowego-wstepne-wnioski-po-wyroku-c-744-24\/\" >\n\t\t\t\tKredytowanie pozaodsetkowych koszt\u00f3w kredytu a sankcja kredytu darmowego \u2013 wst\u0119pne wnioski po wyroku C-744\/24\t\t\t<\/a>\n\t\t<\/h5>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-5614 post type-post status-publish format-standard has-post-thumbnail hentry category-aktualnosci entry has-media\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/i-rs.pl\/en\/kancelaria-ponownie-z-certyfikatem-audytu-etycznego-zpf\/\" 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https:\/\/i-rs.pl\/wp-content\/uploads\/2026\/03\/psychologia-600x600.png 600w, https:\/\/i-rs.pl\/wp-content\/uploads\/2026\/03\/psychologia.png 1200w\" sizes=\"(max-width: 420px) 100vw, 420px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h5 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/i-rs.pl\/en\/windykacja-to-nie-tylko-liczby-psychologia-i-etyka-w-cieniu-zaleglych-rat\/\" >\n\t\t\t\tWindykacja to nie tylko liczby: psychologia i etyka w cieniu zaleg\u0142ych rat\t\t\t<\/a>\n\t\t<\/h5>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ae66c6c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ae66c6c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-40043564\" data-id=\"40043564\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Te pytania obecnie zadaje sobie coraz wi\u0119cej os\u00f3b, gdy\u017c 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