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Skuteczna windykacja cz. III – terminy przedawnienia roszczeń

Musimy pamiętać, że czas jaki mamy na odzyskanie firmowych środków jest najistotniejszym czynnikiem w procesie ich odzyskiwania.

Prawo jeszcze niestety umożliwia dłużnikom stałe uchylanie się od płatności. Co więcej, mogą oni całkowicie uniknąć odpowiedzialności za swoje zobowiązania finansowe. Gwarantuje im to zapis o przedawnieniu roszczeń, zawarty w Kodeksie Cywilnym.

Prawo po stronie wierzycieli
Przedawnienie roszczeń to bardzo specyficzna instytucja, której celem jest uregulowanie zaistniałych stosunków prawnych miedzy wierzycielem a dłużnikiem, związane ze zwolnieniem dłużnika z obowiązku spełnienia zobowiązań czyli zapłaty należności, których wierzyciel i tak sam nie dochodzi. Zgodnie z definicją, zawartą w art. 117 § 2 Kodeksu Cywilnego, po upływie terminu przedawnienia, ten, przeciwko komu przysługuje roszczenie, może uchylić się od jego zaspokojenia, chyba że zrzeka się korzystania z zarzutu przedawnienia, przy czym zrzeczenie się zarzutu przedawnienia przed upływem terminu jest nieważne. Terminy przedawnienia nie mogą być skracane ani przedłużane przez czynność prawną (art. 119 k.c.).

Terminy przedawnienia roszczeń w obrocie gospodarczym
Poszczególne roszczenia przedawniają się z upływem terminów wskazanych przez ustawę. Szczególną sytuację przewiduje art. 125 § 1 k.c., roszczenie stwierdzone prawomocnym orzeczeniem sądu lub innego organu powołanego do rozpoznawania spraw danego rodzaju albo orzeczeniem sądu polubownego, jak również roszczenie stwierdzone ugodą zawartą przed sądem albo przed sądem polubownym albo ugodą zawartą przed mediatorem i zatwierdzoną przez sąd, przedawnia się z upływem lat dziesięciu, chociażby termin przedawnienia roszczeń tego rodzaju był krótszy. Jednak, ze względu na różne rodzaje zobowiązań finansowych, okres przedawnienia niektórych należności został ustawowo skrócony do 3 lat lub nawet do jednego roku.

Trzyletni okres przedawnienia roszczeń obowiązuje wobec wszelkich należności z tytułu prowadzonej działalności gospodarczej z umowy sprzedaży w ramach przedsiębiorstwa sprzedawcy, działalności rzemieślniczej, gospodarstwa rolnego oraz z tytułu płatności okresowej (np. czynsz najmu, alimenty), a więc z tytułu kary umownej, przewidzianej w umowie miedzy kontrahentami, z tytułu niezapłaconej lub niezwróconej kaucji oraz z tytułu niezapłaconej, bądź niezwróconej zaliczki i przedpłaty, odsetek od nieterminowych płatności. Ten sam okres przedawnienia roszczeń ustalony jest również dla należności z tytułu weksli, przy czym obowiązuje on jedynie wystawcę weksla własnego, gdyż dla indosanta ustawodawca określił zaledwie roczny termin przedawnienia. Trzyletni okres przedawnienia obowiązuje również z tytułu umowy ubezpieczenia.

Wyjątki w terminach przedawnienia
Należy tu wspomnieć iż Sąd wskazał dwa wyjątki co do okresu przedawnienia odsetek:

  • Po pierwsze, gdy dłużnik dokona zapłaty należności głównej przed upływem terminu jej przedawnienia, roszczenie o odsetki nie przedawnia się wraz z upływem terminu przedawnienia należności głównej. Jest to spowodowane tym, że odsetki zyskują charakter świadczenia samodzielnego i pomimo wygaśnięcia świadczenia głównego jedynym terminem, jaki ich dotyczy, jest trzyletni termin przedawnienia.
  • Po drugie, jeżeli przed przedawnieniem roszczenia głównego zostanie przerwany bieg terminu przedawnienia odsetek (np. w przypadku wytoczenia powództwa o zapłatę), to roszczenie o odsetki również nie przedawni się wraz z przedawnieniem roszczenia głównego.

Przedawnienie a odsetki
Terminem przedawnienia dochodzonych odsetek jest wyłącznie trzyletni termin dla świadczeń okresowych z art. 118 k.c. Jeśli więc kontrahent zalega z płatnością za zakupiony towar z tytułu umowy sprzedaży w zakresie prowadzonej działalności gospodarczej i nie ureguluje należności w terminie dwóch lat (termin przedawnienia z art. 554 k.c.), nie można już dochodzić skutecznie przed sądem ani odsetek, ani roszczenia głównego.  Natomiast gdy ureguluje należność za zakupiony towar w terminie dwóch lat, można będzie żądać odsetek za opóźnienie w zapłacie przez kolejne trzy lata od daty powstania należności odsetkowych. Powództwo o zapłatę samych odsetek zostanie oddalone, jeżeli należność główna uległa przedawnieniu oraz gdy dłużnik podniesie zarzut przedawnienia.

Dwu- i jednoroczne okresy przedawnień
2-letni okres przedawnienia roszczeń przewidziany jest dla przedsiębiorcy z tytułu umowy dostawy w ramach przedsiębiorstwa sprzedawcy, działalności rzemieślniczej, gospodarstwa rolnego, nieuregulowanej płatności za fakturę. Podobnie jest w przypadku roszczeń z tytułu umowy o dzieło, tu również przedawnienie następuje w terminie 2 lat, licząc od dnia, w którym nastąpiło oddanie dzieła, lub w którym powinno oddanie działa nastąpić. Dwuletni okres przedawnienia stosuje się również z tytułu opłat za hotel, ze stosunku rachunku bankowego (z wyjątkiem zwrotu wkładów).
Jedynie jednoroczny okres przedawnienia roszczeń wyznaczył ustawodawca osobie, chcącej dochodzić swoich roszczeń z tytułu umowy przewozu osób czy mienia oraz z tytułu zawarcia umowy przedwstępnej. Ten sam okres przedawnienia ustanowiony jest dla roszczeń wynajmującego przeciwko najemcy o naprawienie uszkodzonych rzeczy, jak również dla roszczeń najemcy przeciwko wynajmującemu o zwrot nakładów za użytkowane rzeczy.

Proces przedawnienia
Bieg przedawnienia roszczeń rozpoczyna się od dnia, w którym roszczenie stało się wymagalne. Jeżeli wymagalność roszczenia zależy od podjęcia określonej czynności przez uprawnionego (np. wezwania dłużnika do spełnienia świadczenia), bieg terminu rozpoczyna się od dnia, w którym roszczenie stałoby się wymagalne, gdyby uprawniony podjął czynność w najwcześniej możliwym terminie (art. 120 § 1 k.c.). Roszczenie przedawnione wciąż istnieje, ale przekształca się w tzw. „roszczenie niezupełne”, które cechuje się tym, że nie może być przymusowo egzekwowane. Nader często zdarza się jednak tak, iż dłużnicy nadużywają tego prawa, celowo przeciągając niemożność ściągnięcia wierzytelności, aż do okresu przedawnienia. Temu jednak można przeciwdziałać, przerywając lub zawieszając bieg przedawnienia. Przerwanie biegu przedawniania możliwe jest na trzy sposoby, poprzez wniesienie sprawy do sądu lub zwrócenie się do komornika, poprzez wszczęcie mediacji z dłużnikiem, lub jeżeli dłużnik bezpośrednio lub pośrednio uzna swoje zobowiązania finansowe wobec wierzyciela (odpowie na monit lub zwróci się z prośba o rozłożenie długu na raty) w formie uznania roszczenia przez dłużnika.

Uznanie to może mieć postać:
a) uznania właściwego, polegającego na złożeniu przez dłużnika oświadczenia woli o uznaniu długu (np. w treści ugody),
b) uznania niewłaściwego, polegającego na złożeniu oświadczenia wiedzy, zawierającego pewne elementy woli, z którego wynika przyznanie się do istnienia dochodzonego roszczenia, np.:
– prośba o rozłożenie należności na raty lub zwolnienie z obowiązku płatności odsetek za opóźnienie, nawet jeżeli proponowane porozumienie między stronami nie doszło do skutku
– prośba o przedłużenie terminu do spłaty zobowiązania,
– potwierdzenie salda, podpisane przez osoby upoważnione do reprezentacji dłużnika
– wskazanie wierzytelności w załączniku do podania o otwarcie postępowania układowego.

Przerwanie biegu terminu przedawnienia wskutek uznania roszczenia nastąpi wyłącznie wówczas, gdy uznanie zostanie dokonane przed przedawnieniem roszczenia. Jeżeli z treści oświadczenia lub okoliczności, w których zostało złożone, wynika taka wola dłużnika uznania przedawnionego roszczenia musi zawierać także zrzeczenie się zarzutu przedawnienia i wówczas będzie ono skuteczne nawet wówczas, gdy oświadczenie w tym zakresie złożone zostanie już po upływie terminu przedawnienia.

Po każdym przerwaniu przedawnienia biegnie ono na nowo (art. 124 § 1 k.c.). Dzięki przerwaniu biegu można znacznie wydłużyć okres, po którym należności zostaną uznane za niemożliwe do ściągnięcia, gdyż dopiero po zakończeniu wszelkich procedur sądowych, związanych z wydaniem wyroku zobowiązującego dłużnika do uregulowania zobowiązań wobec wierzyciela, następuje ponowne odliczanie okresu przedawnienia.

Więcej na temat zarzutu przedawnienia składanego przez dłużników i możliwości obrony w kolejnym artykule.

Monika Toczyńska
Prezes Zarządu kancelarii Audix Sp. z o.o.
http://audix.pl/

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  84. Thanks a lot for the helpful content. It is also my belief that mesothelioma cancer has an extremely long latency period, which means that the signs of the disease would possibly not emerge until eventually 30 to 50 years after the original exposure to asbestos fiber. Pleural mesothelioma, and that is the most common variety and is affecting the area round the lungs, might result in shortness of breath, upper body pains, along with a persistent coughing, which may bring on coughing up bloodstream.

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