I am going to go to Poland again in a few weeks. This time I am going to go all the way to Warsaw and I am going to try to confront someone higher up in the chain and present them with a possible law suit. I have about 10 discriminating emails from Mbank with shit/explanations that are 100% illegal in the EU according to my local lawyer (ie you cant get your money back because these cards were meant for Polish people only etc). I think a class action law suit would be the best way to go - Mbank has had those against them before and they have always lost  If anyone else is serious about suing them express your interest !