CONSUMER LEASING - SELECTED CIVIL ISSUES (Leasing konsumencki - wybrane zagadnienia cywilnoprawne.)
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The lease, in accordance with the provisions of Article 7091 of the Civil Code, must be understood as an agreement by which the lessor commits, in the activities of his company, to buy from the designated vendor under the terms of this agreement, and give this thing to the lessee for use (usus) or use and usufruct (ususfructus) for a definite period, and the lessee commits to pay the lessor, in agreed instalments monetary reward at least equal to the price or pay for the acquisition of goods by lessor. Credit component of the lease agreements have always been emphasized, which justifies the application of the law on consumer credit to a leasing agreement. The legislator, however, did not decide that this Act includes all contracts for consumers leasing. For the purpose of these considerations, there should be distinguished two types of leasing agreement. The first category will be 'professional' leasing in the current version of the Civil Code, while the second variation of the lease called 'consumers' legislator indirectly constitutes itself. It should be treated as a legally admissible form of a lease in the consumer market, in the absence of limitations in concluding an agreement for consumer credit, concerning charged use of things or rights, if the contract provides the transfer of ownership of goods or the rights on the consumer.
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