W 2003 nie było regulacji dotyczących partycypacji stąd zastosowana została zasada swobody zawierania umów. Nie ma możliwości na tamtą chwilę kwestionowania zapisów umowy gdyż partycypacja została uregulowana dopiero w 2005 lub 2006 roku.
Tak czy siak próbować pisać do UOKiK.
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