CELEX: 62018CA0383
Language: en
Date: 2019-09-11 00:00:00
Title: Case C-383/18: Judgment of the Court (First Chamber) of 11 September 2019 (request for a preliminary ruling from the Sąd Rejonowy Lublin-Wschód w Lublinie z siedzibą w Świdniku — Poland) — Lexitor sp. z o.o. v Spółdzielcza Kasa Oszczędnościowo — Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A. and mBank S.A. (Reference for a preliminary ruling – Consumer protection – Credit agreements for consumers – Directive 2008/48/EC – Article 16(1) – Early repayment – Right of the consumer to a reduction in the total cost of the credit, consisting of the interest and the costs for the remaining duration of the contract)

11.11.2019   
            
            
               EN
            
            
               Official Journal of the European Union
            
            
               C 383/28
            
         
      Judgment of the Court (First Chamber) of 11 September 2019 (request for a preliminary ruling from the Sąd Rejonowy Lublin-Wschód w Lublinie z siedzibą w Świdniku — Poland) — Lexitor sp. z o.o. v Spółdzielcza Kasa Oszczędnościowo — Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A. and mBank S.A.
      (Case C-383/18) (1)
      
      (Reference for a preliminary ruling - Consumer protection - Credit agreements for consumers - Directive 2008/48/EC - Article 16(1) - Early repayment - Right of the consumer to a reduction in the total cost of the credit, consisting of the interest and the costs for the remaining duration of the contract)
      (2019/C 383/30)
      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, Santander Consumer Bank S.A. and mBank S.A.
      
         Operative part of the judgment
      
      Article 16(1) 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 must be interpreted as meaning that the right of the consumer to a reduction in the total cost of the credit in the event of early repayment of the credit includes all the costs imposed on the consumer.
      
         (1)  OJ C 294, 20.8.2018.