Case C-473/25, Adamon: Request for a preliminary ruling from the Sąd Rejonowy dla Krakowa – Nowej Huty w Krakowie (Poland) lodged on 17 July 2025 – LG v Powszechna Kasa Oszczędności Bank Polski S.A.
Date: 2025-07-17
Institutions: Court of Justice
Subjects: claim, consumer credit, consumer protection, contract terms, cost of borrowing








C_202505570EN.000101.fmx.xml












Official Journal of the European Union


EN
C series













C/2025/5570


27.10.2025






Request for a preliminary ruling from the Sąd Rejonowy dla Krakowa – Nowej Huty w Krakowie (Poland) lodged on 17 July 2025 – LG v Powszechna Kasa Oszczędności Bank Polski S.A.


(Case C-473/25, Adamon
                (1)
)

(C/2025/5570)
Language of the case: Polish

Referring court

Sąd Rejonowy dla Krakowa – Nowej Huty w Krakowie

Parties to the main proceedings


Applicant: LG

Defendant: Powszechna Kasa Oszczędności Bank Polski S.A.

Questions referred







1.


Is a provision of national law which provides for the [creditor] to be deprived of its right to interest and other charges where the credit agreement does not contain all the elements required by Article 10(2) of the directive, or where the information contained therein is incorrect or not specified in a clear and concise manner, compatible with Article 23 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? (2)











2.


Is an interpretation of national law which makes the granting of protection to the consumer conditional on the absence of any of the elements listed in Article 10(2) of Directive 2008/48 from the credit agreement, but does not grant such protection to the consumer when those elements, although formally indicated in the credit agreement, are incomplete or incorrect, contrary to Article 10(2) and Article 23 of Directive 2008/48?










3.


Does Article 10(2)(d), (f) and (g), read in conjunction with Article 3(g), (h), (i) and (j) of Directive 2008/48, preclude a creditor from charging costs in the form of interest on the amount of commission or other similar charges (including insurance premiums), which costs are covered by the credit and collected at the same time by the creditor (without the consumer being able to actually dispose of the amount of costs covered by the credit) in connection with the conclusion of a consumer credit agreement?










4.


Is an interpretation of national law which allows a creditor to introduce into a consumer credit agreement terms that are similar in meaning to ‘total amount of credit’ (for instance ‘amount of credit’, ‘amount of credit granted’, ‘credit’), where the meaning assigned to them by the creditor has the effect of those terms being deemed to refer to amounts made available to the consumer in excess of the total amount of credit, and interest is charged on that higher amount, whereas the amount actually made available to the consumer is only the total amount of credit, and the similar term introduced by the creditor refers to the amount representing the sum of the total amount of credit and the costs of consumer credit that the creditor has covered by the credit, contrary to Article 10(2) and Article 23 of Directive 2008/48?






(1)  The name of the present case is a fictitious name. It does not correspond to the real name of any party to the proceedings.

(2)  
            OJ 2008 L 133, p. 66.


ELI: http://data.europa.eu/eli/C/2025/5570/oj
ISSN 1977-091X (electronic edition)