reverse claim

Polish translation: roszczenie dłużnika wobec faktoranta

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
English term or phrase:reverse claim
Polish translation:roszczenie dłużnika wobec faktoranta
Entered by: Martyna Kupska

22:17 Jan 31, 2018
English to Polish translations [PRO]
Bus/Financial - Finance (general) / umowa pożyczki
English term or phrase: reverse claim
Fragment umowy pożyczki mezzanine:

“Financial Indebtedness”
shall denote any indebtedness with respect to:
(...)
receivables sold with a reverse claim or discounted with a reverse claim as part of factoring or similar instruments – up to the amount of such reverse claim.
Martyna Kupska
Poland
Local time: 19:30
roszczenie 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.
Selected response from:

Frank Szmulowicz, Ph. D.
United States
Local time: 13:30
Grading comment
Pięknie dziękuję!
4 KudoZ points were awarded for this answer



Summary of answers provided
2 +2roszczenie dłużnika wobec faktoranta
Frank Szmulowicz, Ph. D.
Summary of reference entries provided
reverse claime
Frank Szmulowicz, Ph. D.

Discussion entries: 1





  

Answers


4 hrs   confidence: Answerer confidence 2/5Answerer confidence 2/5 peer agreement (net): +2
roszczenie 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.

Frank Szmulowicz, Ph. D.
United States
Local time: 13:30
Works in field
Native speaker of: Native in EnglishEnglish, Native in PolishPolish
PRO pts in category: 955
Grading comment
Pięknie dziękuję!

Peer comments on this answer (and responses from the answerer)
agree  Robert Foltyn
6 hrs
  -> Dziękuję Robercie. Serdecznie pozdrawiam.

agree  Roman Kozierkiewicz: A ja mam odwotne roszczenie wobec Franka!
7 hrs
  -> Dziękuję Romanie. Istnieje pojęcie roszczeń zwrotnych, ale one mają inne znaczenie (https://pl.wikipedia.org/wiki/Roszczenie_regresowe). Serdecznie pozdrawiam.
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Reference comments


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
Frank Szmulowicz, Ph. D.
United States
Works in field
Native speaker of: Native in EnglishEnglish, Native in PolishPolish
PRO pts in category: 955
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