Roszczenia posiadacza rachunku bankowego na tle art. 120 § 1 zd. 2 k.c.

Abstract

CLAIMS OF A BANK ACCOUNT HOLDER IN THE LIGHT OF ARTICLE 120 § 1 SENTENCE 2 OF THE CIVIL CODE

According to Article 120 § 1 sentence 2 of the Civil Code, when the maturity of the claim depends on undertaking a specified act by the entitled person, the course of the time limit shall commence on the day when the claim would have become mature if the entitled person undertook the act at the earliest possible opportunity. According to the doctrine and jurisdiction, the above-mentioned Article is applied to claims resulting from bank account contracts, as those claims are unlimited time claims. Within the presented analysis such a position is placed under discussion, pointing that these claims are limited time claims and they become mature when the time to perform the act expires. The time for performing the act by the bank is specified and follows from the nature of the obligation. Consequently, the legal provision of Article 455 and of Article 120 § 1 sentence 2 of the Civil Code will not be applied.