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🇵🇱 Poland

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🇵🇱 Poland Financial Safety & Scams

CLI Spoofing: Why the Number on Your Display Lies and How to Defend Against It (2026)

The caller ID is a field declared by the sender, not something verified by the network, making it possible to spoof numbers from banks, police, or government offices; this article explains how CLI spoofing works, the changes introduced by the 2023 law, the public list of UKE numbers 'for receiving only', why Poland filters instead of authenticating like the American STIR/SHAKEN, and what you can realistically do, including where to report suspicious calls.
🇵🇱 Poland Financial Safety & Scams

Loan Scam Using Your Data: Two Callers, Fake Documents, and a 'Technical Account' (2026)

A call about a loan allegedly taken out in your name, followed shortly by the 'bank's security department' and an email with a forged ID and police notification; a scheme described in the announcement from the Chief Police Headquarters and FinCERT.pl ZBP from December 2025: how it works, why the number on the display lies, what the bank never does, how to verify an advisor in the app in a minute, and what sanction protects you after blocking your PESEL number.
🇵🇱 Poland Family and Life Events

Parental Kidnapping and the Hague Convention: When a Child Goes from the USA to Poland or Vice Versa (2026)

Taking a child without the consent of the other parent can be unlawful even in the absence of a custody ruling; this article explains when a departure constitutes kidnapping under the Hague Convention, the implications of the one-year mark, which of the eleven district courts will hear the case, how the suspension of a valid return order works, and the difference between civil unlawfulness and criminal liability.
🇵🇱 Poland Financial Safety & Scams

Oszustwo na kwaterę: jak rozpoznać fałszywą ofertę noclegu i co zrobić, gdy pieniądze już wyszły (2026)

Kwatera widmo, wirtualny pensjonat, przejęte konto hotelu na Booking i „dopłata” do rezerwacji, która naprawdę istnieje – po wyciekach z Hotres i Booking.com oszust zna Twoje nazwisko, numer rezerwacji i daty pobytu. Osiem odmian oszustwa, weryfikacja oferty w dziesięć minut, bezpieczne płatności oraz pełna procedura odzyskiwania pieniędzy: bank, chargeback, zawiadomienie z wzorem i ścieżka dla Polonii rezerwującej nocleg z zagranicy.
🇵🇱 Poland Housing Verified

How to Value an Apartment in Poland: RCN, NBP Reports, Appraiser's Report, and Calculators (2026)

Offer prices from portals are ceilings, not values – true amounts from notarial deeds can be found in the real estate price register (RCN, FREE data since 2020) and quarterly NBP reports (offer vs transaction prices, in several cities). The official document is solely the appraiser's report (a still regulated profession, online registry; valid for 12 months, ~500–1500 PLN) – valuing without qualifications can incur a fine of up to 50,000 PLN. Plus: what shifts the price, the 3 most expensive mistakes sellers make, and a valuation scenario from abroad; starting April 2, 2027, the government Portal DOM will be launched.
🇵🇱 Poland Housing Verified

Real Estate Agent in Poland: How to Choose, Verify, and What You Will Pay – Without the License Myth (2026)

There has been no state license for real estate agents since January 1, 2014 – real protection comes from mandatory liability insurance (min. 25,000 EUR), which must be attached to the contract (art. 181 ugn), and the contract itself must be in written or electronic form under penalty of nullity – exchanging scanned documents via email constitutes a null contract! Inside: commissions of 2–3% + VAT (contractual), abusive clauses from the UOKiK register, a requirement of no criminal record (art. 180a), verification in CEIDG/KRS in 10 minutes, and how to properly sign a contract from abroad.
🇵🇱 Poland Housing Verified

Apartment Rental Agreement in Poland: What It Must Include, Security Deposit, Rent Increases, and Renting While Living Abroad (2026)

A rental agreement longer than one year without written notice changes to indefinite (art. 660 KC), without a subletting prohibition clause the tenant can legally sublet the apartment (art. 668 KC), and rent can only be increased with a written notice of 3 months and no more frequently than every six months; this guide covers the deposit, normal wear and tear, GDPR (record data, do not photocopy ID – penalties under UODO), comparison of regular/occasional/institutional rentals, and a checklist for landlords renting from abroad (proxy, manager 8–15%, PIT-28 for non-residents).
🇵🇱 Poland Offices and Formalities Verified

Registration in Poland: e-registration, deadlines, moving abroad, and myths about registration (2026)

Registration is free, has a 30-day deadline, and "serves only for registration purposes" – a property owner listed in the land and mortgage register will handle it online automatically, although from January 1, 2026, the online channel requires an e-Doręczeń mailbox; this guide addresses all variations, including what to do with registration when moving abroad and returning, and debunks myths that attribute more power to registration than it actually has.