A Polish automotive customer has not paid you?

You supply parts, components, materials or tooling into the Polish automotive sector — serial deliveries to plants and tier suppliers, or trade deliveries to parts distributors and workshop chains. Deliveries run on schedule; payment does not. The sector's dispute repertoire is well known: unilateral quality chargebacks, penalties deducted without agreement, and payment terms stretched far beyond what Polish law actually allows. Each of those has an answer under Polish law.

60 days is the legal ceiling

Under the Polish act on excessive delays in commercial transactions, B2B payment terms beyond 60 days are effective only if expressly agreed and not grossly unfair to the creditor — imposed 90–120 day terms do not stop statutory interest from running.

Unilateral chargebacks are claims, not deductions

Quality penalties and chargebacks deducted from your invoices without an agreed basis are the debtor’s claims to prove, not amounts you have conceded. We separate the documented balance and pursue it.

Serial deliveries mean serial evidence

EDI confirmations, delivery notes, releases and account statements from ongoing supply create a documentation trail the Polish e-court processes readily — and the debtor’s financing (factoring, leasing) is exactly what a BIG entry reaches.

How the recovery works

Four stages, the first costs nothing: (1) you submit the claim online; (2) we send registered demands from Poland, in Polish, with Polish legal consequences attached; (3) the debt is listed in our national public registry and reported to the BIG InfoMonitor credit bureau; (4) if needed — and only on your decision — the Polish e-court payment order and bailiff enforcement. Details on the how it works page; fee brackets in the pricing table.

Frequently asked questions

The buyer deducts "quality penalties" from every payment. Can you recover those?

If the deductions have no agreed contractual basis or no documented defect procedure behind them, they are recoverable balance. We reconstruct the account and pursue the difference.

Our tooling is at the debtor’s plant. Does the claim put it at risk?

No — pursuing payment does not affect your title to tooling. Tell us about tooling ownership; it is often useful leverage and should be secured in parallel.

The debtor is a tier supplier to a large OEM. Does that help or hurt?

It helps. Tier suppliers are audited on financial stability; a public registry listing and a BIG entry are visible exactly where it hurts — with financiers and in customer audits.

Payment terms in the contract are 120 days. Do we have to accept that?

Not necessarily. Terms beyond 60 days require express agreement and must not be grossly unfair to the creditor; even where valid, statutory interest for commercial transactions accrues once the goods and invoice are delivered and the term passes.