62022CJ0326_SUM
Case C‑326/22
Z. sp. z o.o.
v
A. S.A.
(Request for a preliminary rulingfrom the Sąd Rejonowy dla m.st. Warszawy w Warszawie)
Judgment of the Court (Tenth Chamber) of 12 October 2023
(Reference for a preliminary ruling – Consumer protection – Credit agreements for consumers – Directive 2008/48/EC – Article 16(1) – Contractual rights and obligations – Early repayment – Reduction in the total cost of the credit for consumers – Loss of a copy of the agreement – Right to obtain a duplicate of the agreement from the creditor)
Consumer protection – Credit agreements for consumers – Directive 2008/48 – Scope – Agreement which has been repaid early – Claims corresponding to the amounts owed by the creditor following early repayment which have been transferred to an undertaking – Included
(European Parliament and Council Directive 2008/48, Arts 2(1) and 3(a))
(see paragraph 18)
Consumer protection – Directive 2008/48 – Credit agreements for consumers – Contractual rights and obligations – Early repayment – Right to a reduction in the total cost of the credit, consisting of the interest and the costs for the remaining duration of the agreement – Obligation of the creditor to provide the consumer with a copy of the agreement and information relating to early repayment – Scope
(European Parliament and Council Directive 2008/48, Arts 3(m), 10 and 16(1))
(see paragraphs 26, 27, 29-36, operative part)
See the text of the decision.