Opinion of the Advocate General — ECLI:EU:C:2019:451
Date: 2019-05-23
Language of the case: Polish
Subject matter: Consumer protection;Approximation of laws
Procedure: Reference for a preliminary ruling
Origin: Poland

Request for a preliminary ruling from the Sąd Rejonowy Lublin-Wschód w Lublinie z siedzibą w Świdniku (Poland) lodged on 11 June 2018 — Lexitor Sp. z o.o. v Spółdzielcza Kasa Oszczędnościowo-Kredytowa im. Franciszka Stefczyka, having its registered office in Gdynia, Santander Consumer Bank S.A., having its registered office in Wrocław, mBank S.A., having its registered office in Warsaw (Case C-383/18) Language of the case: Polish Referring court Sąd Rejonowy Lublin-Wschód w Lublinie z siedzibą w Świdniku Parties to the main proceedings Applicant: Lexitor Sp. z o.o. Defendants: Spółdzielcza Kasa Oszczędnościowo — Kredytowa im. Franciszka Stefczyka, having its registered office in Gdynia, Santander Consumer Bank S.A., having its registered office in Wrocław, mBank S.A., having its registered office in Warsaw Question referred Is Article 16(1), in conjunction with Article 3(g), of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC 1 to be interpreted as meaning that a consumer, in the event of early repayment of his obligations under a credit agreement, is entitled to a reduction in the total costs of the credit, including those costs the amount of which does not depend on the duration of that credit agreement? ____________ 1 OJ 2008 L 133, p. 660.