reverse claim
Polish translation: roszczenie dłużnika wobec faktoranta
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| 22:17 Jan 31, 2018 |
| English to Polish translations [PRO] Bus/Financial - Finance (general) / umowa pożyczki | |||||||
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|  Selected response from: Frank Szmulowicz, Ph. D. United States Local time: 10:12 | ||||||
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| Summary of answers provided | ||||
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| 2 +2 | roszczenie dłużnika wobec faktoranta |
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| Summary of reference entries provided | |||
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| reverse claime |
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| Discussion entries: 1 | |
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Answers
4 hrs confidence: 
peer agreement (net): +2
peer agreement (net): +2roszczenie dłużnika wobec faktoranta Explanation: In the factoring situation below, the debtor has a reverse claim against the factorer [faktorant]. ccccccc Firma A [faktorant] miała dostarczyć Firmie B [dłużnik] 200 kg ogórków o wartości 1000 zł, płatne 14 dni po dostawie. W dzień po dostawie wystawia fakturę na tę kwotę i przelewa wierzytelność na Firmę X [faktor]. Ta po 14 dniach żąda zapłaty 1000 zł od Firmy B. Ta jednak żąda obniżenia ceny ze względu na roszczenia, jakie ma w stosunku do Firmy A. Uważa bowiem, że 5 proc. ogórków było złej jakości. W tej sytuacji Firmie B przysługują wobec Firmy X takie same zarzuty, jakie mogłaby mieć wobec Firmy A. http://www.rp.pl/artykul/178524-Faktoring-sposobem-na-pozbyc... Tutaj to są roszczenia dłużnika wobec faktoranta. |
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4 hrs |
| Reference: reverse claime Reference information: The main idea of the del credere function is as follows: a factor who has previously verified the debtor’s capability to settle the debt, assumes the solvency risk of the transferred claim, i.e. if the debtor is insolvent or avoids payment, the factor may not make a reverse claim against the client, but the client is liable to the factor only in respect of the authenticity of the claim (see: the German Civil Law [Bürgerliches Gesetzbuch (hereinafter BGB)] Para. 437 Sect. 1, the Civil Law of Latvia (hereinafter CL), Art. 1810 ). This factoring function also gives an opportunity to small companies to ensure large supplies based on payment by instalments without running the risk that in case the debtor becomes insolvent, the company will suffer substantial losses that might lead to bankruptcy. 1. Classification According to the Existence of the del credere Function The research literature distinguishes between real and false factoring in the classification of different forms of factoring. If the factor assumes all three functions (loan, service and del credere functions), this is known as real or complete factoring also called non-recourse or standard factoring ). However, in false factoring (also called “with recourse” or reverse factoring ) the del credere function is missing: here the client retains the solvency risk against which the factor may make a reverse claim in case it proves impossible to collect the receivables from the debtor. This means that in false factoring the client is liable both for the authenticity and the security of the claim (cf. CL, Art. 1810). The factor’s only risk is the possible insolvency of the client in the case of a reverse claim. The advantage of false factoring is the considerably cheaper price that the company has to pay (in the amount of del credere commission). https://www.hg.org/article.asp?id=7800 |
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