mizuumi1/LegalViz huggingface dataset:
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Latvian

2014. gada 10. decembrīMSC vēlreiz vērsās pie bankas BCP, atkārtojot, ka no tās konta ir izdarīti nepamatoti tiešā debeta maksājumi. Ar 2014. gada 16. decembra vēstuli šī banka apstiprināja, ka MSC nav devusi šādu autorizāciju vai vismaz tā nav bijusi atbilstoša un ka tā rezultātā MSC ir tiesības saņemt veikto tiešā debeta maksājumu atmaksu likumiskajā MPTR 69. pantā paredzētajā maksimālajā trīspadsmit mēnešu apmērā, proti, par summu, kas atbilst tiešā debeta maksājumiem, kas veikti no 2013. gada oktobra līdz 2014. gada decembrim. Tādējādi šī banka uzdeva veikt atmaksu.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Sazinieties ar 10/12/2014";
    "Sazinieties ar 10/12/2014"-> "BCP Bank";
    "Sazinieties ar 10/12/2014"-> "MSCno tās konta ir izdarīti nepamatoti tiešā debeta maksājumi."[dir=none];
    "BCP Bank"->"2014. gada 16. decembra vēstuli 16/12/2014";
    "2014. gada 16. decembra vēstuli 16/12/2014"->"MSC";
    "2014. gada 16. decembra vēstuli 16/12/2014"->"Apstiprināja, ka MSC nav devusi šādu autorizāciju vai vismaz tā nav bijusi atbilstoša"[dir=none];
    "2014. gada 16. decembra vēstuli 16/12/2014"->"MSC ir tiesības saņemt veikto tiešā debeta maksājumu atmaksu likumiskajā MPTR 69. pantā paredzētajā maksimālajā trīspadsmit mēnešu apmērā"[dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Lithuanian

2014 m. gruodžio 10 d. MSC vėl kreipėsi į BCP banką ir nurodė, kad iš jos sąskaitos nepagrįstai atliekami tiesioginio debeto pervedimai. 2014 m. gruodžio 16 d. raštu bankas patvirtino, kad MSC nebuvo davusi tokio sankcionuojančio dokumento arba kad jis buvo neteisėtas, ir aplinkybę, kad todėl MSC turėjo teisę susigrąžinti per 13 mėnesių, kaip numatyta RJSP 69 straipsnyje, pervestas sumas arba sumą, kuri buvo sumokėta atliekant tiesioginio debeto pervedimus 2013 m. spalio–2014 m. gruodžio mėnesiais. Minėtas bankas nurodė grąžinti sumas.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "kreipėsi 10/12/2014";
    "kreipėsi 10/12/2014"-> "BCP Bank";
    "kreipėsi 10/12/2014"-> "MSCiš jos sąskaitos nepagrįstai atliekami tiesioginio debeto pervedimai"[dir=none];
    "BCP Bank"->"raštu 16/12/2014";
    "raštu 16/12/2014"->"MSC";
    "raštu 16/12/2014"->"raštu bankas patvirtino, kad MSC nebuvo davusi tokio sankcionuojančio dokumento arba kad jis buvo neteisėtas"[dir=none];
    "raštu 16/12/2014"->"todėl MSC turėjo teisę susigrąžinti per 13 mėnesių, kaip numatyta RJSP 69 straipsnyje, pervestas sumas arba sumą, kuri buvo sumokėta atliekant tiesioginio debeto pervedimus"[dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Hungarian

2014. december 10‑én az MSC újból a BCP‑bankhoz fordult, ismételten előadva, hogy a számlájáról jogosulatlan beszedéseket teljesítettek. E bank a 2014. december 16‑i levelében megerősítette, hogy az MSC részéről nem volt ilyen engedély, vagy legalábbis az nem volt szabályszerű, továbbá azt, hogy az MSC ennek következtében jogosult volt arra, hogy a teljesített beszedéseket a PFSZJK 69. cikkében meghatározott tizenhárom hónapos jogszabályi korlátozás erejéig, vagyis a 2013 októberétől 2014 decemberéig teljesített beszedéseknek megfelelő összegben visszatérítsék neki. Az említett bank tehát elrendelte ennek az összegnek a visszatérítését.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "2014. december 10‑én az MSC újból a BCP‑bankhoz fordult 10/12/2014";
    "2014. december 10‑én az MSC újból a BCP‑bankhoz fordult 10/12/2014"-> "BCP Bank";
    "2014. december 10‑én az MSC újból a BCP‑bankhoz fordult 10/12/2014"-> "MSCa számlájáról jogosulatlan beszedéseket teljesítettek"[dir=none];
    "BCP Bank"->"2014. december 16‑i levél 16/12/2014";
    "2014. december 16‑i levél 16/12/2014"->"MSC";
    "2014. december 16‑i levél 16/12/2014"->"megerősítette, hogy az MSC részéről nem volt ilyen engedély, vagy legalábbis az nem volt szabályszerű"[dir=none];
    "2014. december 16‑i levél 16/12/2014"->"az MSC ennek következtében jogosult volt arra, hogy a teljesített beszedéseket a PFSZJK 69. cikkében meghatározott tizenhárom hónapos jogszabályi korlátozás erejéig, vagyis a 2013 októberétől 2014 decemberéig teljesített beszedéseknek megfelelő összegben visszatérítsék neki."[dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Maltese

Fl-10 ta’ Diċembru 2014, MSC indirizzat ruħha mill-ġdid lill-bank BCP, filwaqt li rrepetiet li l-kont tagħha kien is-suġġett ta’ debiti diretti indebiti. B’ittra tas-16 ta’ Diċembru 2014, dan il-bank ikkonferma l-assenza ta’ tali awtorizzazzjoni min-naħa ta’ MSC, jew mill-inqas l-irregolarità tagħha, u l-fatt li MSC kienet, għaldaqstant, intitolata li tikseb il-ħlas lura tad-debiti diretti eżegwiti sal-limitu legali ta’ tlettax-il xahar previst fl-Artikolu 69 tar-RJSP, jiġifieri l-ammont li jikkorrispondi għad-debiti diretti magħmula mix-xahar ta’ Ottubru 2013 sax-xahar ta’ Diċembru 2014. L-imsemmi bank għaldaqstant ordna l-ħlas lura tiegħu.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Kuntatt 10/12/2014";
    "Kuntatt 10/12/2014"-> "BCP Bank";
    "Kuntatt 10/12/2014"-> "MSCl-kont tagħha kien is-suġġett ta’ debiti diretti indebiti"[dir=none];
    "BCP Bank"->"B’ittra tas-16 ta’ Diċembru 2014 16/12/2014";
    "B’ittra tas-16 ta’ Diċembru 2014 16/12/2014"->"MSC";
    "B’ittra tas-16 ta’ Diċembru 2014 16/12/2014"->"dan il-bank ikkonferma l-assenza ta’ tali awtorizzazzjoni min-naħa ta’ MSC, jew mill-inqas l-irregolarità tagħha"[dir=none];
    "B’ittra tas-16 ta’ Diċembru 2014 16/12/2014"->"MSC kienet, għaldaqstant, intitolata li tikseb il-ħlas lura tad-debiti diretti eżegwiti sal-limitu legali ta’ tlettax-il xahar previst fl-Artikolu 69 tar-RJSP"[dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Dutch

Op 10 december 2014 heeft MSC opnieuw contact opgenomen met de bank BCP en herhaald dat onverschuldigde automatische afschrijvingen van haar rekening waren gebeurd. Bij brief van 16 december 2014 heeft deze bank bevestigd dat deze instemming door MSC ontbrak, of toch minstens onregelmatig was, met als gevolg dat MSC recht had op terugbetaling van de automatische afschrijvingen die waren verricht binnen de in artikel 69 RB vastgelegde wettelijke grens van dertien maanden, te weten het met de verrichte automatische afschrijvingen van oktober 2013 tot december 2014 overeenstemmende bedrag. Deze bank heeft dan ook de opdracht gegeven deze bedragen terug te betalen.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Op 10 december 2014 heeft MSC opnieuw contact opgenomen met de bank BCP 10/12/2014";
    "Op 10 december 2014 heeft MSC opnieuw contact opgenomen met de bank BCP 10/12/2014"-> "BCP Bank";
    "Op 10 december 2014 heeft MSC opnieuw contact opgenomen met de bank BCP 10/12/2014"-> "MSConverschuldigde automatische afschrijvingen van haar rekening waren gebeurd"[dir=none];
    "BCP Bank"->"Bij brief van 16 december 2014 16/12/2014";
    "Bij brief van 16 december 2014 16/12/2014"->"MSC";
    "Bij brief van 16 december 2014 16/12/2014"->"heeft deze bank bevestigd dat deze instemming door MSC ontbrak, of toch minstens onregelmatig was"[dir=none];
    "Bij brief van 16 december 2014 16/12/2014"->"MSC had recht op terugbetaling van de automatische afschrijvingen die waren verricht binnen de in artikel 69 RB vastgelegde wettelijke grens van dertien maanden"[dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Polish

W dniu 10 grudnia 2014 r. MSC powtórnie zwrócił się do banku BCP i powtórzył, że rachunek tej spółki jest nieprawidłowo obciążany. Pismem z dnia 16 grudnia 2014 r. bank ten potwierdził brak takiej autoryzacji ze strony MSC, a przynajmniej jej nieprawidłowość, a także fakt, że MSC jest w związku z tym uprawniony do uzyskania zwrotu kwot zrealizowanych poleceń zapłaty w ramach ustawowego limitu trzynastu miesięcy, określonego w art. 69 RJSP, tj. kwoty odpowiadającej poleceniom zapłaty wykonanym od października 2013 r. do grudnia 2014 r. Bank ten wydał więc dyspozycję zwrotu.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "zwrócił się do banku BCP 10/12/2014";
    "zwrócił się do banku BCP 10/12/2014"-> "BCP Bank";
    "zwrócił się do banku BCP 10/12/2014"-> "MSCrachunek tej spółki jest nieprawidłowo obciążany"[dir=none];
    "BCP Bank"->"Pismem z dnia 16 grudnia 2014 r. 16/12/2014";
    "Pismem z dnia 16 grudnia 2014 r. 16/12/2014"->"MSC";
    "Pismem z dnia 16 grudnia 2014 r. 16/12/2014"->"bank ten potwierdził brak takiej autoryzacji ze strony MSC, a przynajmniej jej nieprawidłowość"[dir=none];
    "Pismem z dnia 16 grudnia 2014 r. 16/12/2014"->"MSC jest w związku z tym uprawniony do uzyskania zwrotu kwot zrealizowanych poleceń zapłaty w ramach ustawowego limitu trzynastu miesięcy, określonego w art. 69 RJSP"[dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Portuguese

Em 10 de dezembro de 2014, a MCS escreveu novamente ao banco BCP, reiterando que tinham sido efetuados débitos diretos indevidos na sua conta. Por carta de 16 de dezembro de 2014, este banco confirmou a inexistência de tal autorização pela MSC, ou pelo menos a sua irregularidade, e que a MSC tinha, por conseguinte, direito a obter o reembolso dos fundos debitados até ao limite legal de treze meses previsto no artigo 69.o do RJSP, ou seja, o montante correspondente aos débitos diretos efetuados entre outubro de 2013 e dezembro de 2014. Por conseguinte, o referido banco ordenou o reembolso.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Contacto 10/12/2014";
    "Contacto 10/12/2014"-> "BCP Bank";
    "Contacto 10/12/2014"-> "MSCtinham sido efetuados débitos diretos indevidos na sua conta"[dir=none];
    "BCP Bank"->"Por carta de 16 de dezembro de 2014 16/12/2014";
    "Por carta de 16 de dezembro de 2014 16/12/2014"->"MSC";
    "Por carta de 16 de dezembro de 2014 16/12/2014"->"este banco confirmou a inexistência de tal autorização pela MSC, ou pelo menos a sua irregularidade"[dir=none];
    "Por carta de 16 de dezembro de 2014 16/12/2014"->"a MSC tinha, por conseguinte, direito a obter o reembolso dos fundos debitados até ao limite legal de treze meses previsto no artigo 69.o do RJSP"[dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Romanian

La 10 decembrie 2014, MSC s‑a adresat din nou băncii BCP, reiterând că contul său a făcut obiectul unor debitări directe necuvenite. Printr‑o scrisoare din 16 decembrie 2014, banca respectivă a confirmat absența unei astfel de autorizații din partea MSC sau cel puțin neregularitatea sa, precum și faptul că MSC avea, în consecință, dreptul de a obține rambursarea debitărilor directe realizate până la limita legală de treisprezece luni prevăzută la articolul 69 din RJSP, respectiv suma corespunzătoare debitărilor directe efectuate din luna octombrie 2013 până în luna decembrie 2014. Prin urmare, banca menționată a dispus rambursarea lor.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Contact 10/12/2014";
    "Contact 10/12/2014"-> "BCP Bank";
    "Contact 10/12/2014"-> "MSCcontul său a făcut obiectul unor debitări directe necuvenite"[dir=none];
    "BCP Bank"->"Scrisoare 16/12/2014";
    "Scrisoare 16/12/2014"->"MSC";
    "Scrisoare 16/12/2014"->"Banca respectivă a confirmat absența unei astfel de autorizații din partea MSC sau cel puțin neregularitatea sa"[dir=none];
    "Scrisoare 16/12/2014"->"MSC avea, în consecință, dreptul de a obține rambursarea debitărilor directe realizate până la limita legală de treisprezece luni prevăzută la articolul 69 din RJSP"[dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Slovak

Dňa 10. decembra 2014 sa MSC opäť obrátila na banku BCP a zopakovala, že z jej účtu boli odpísané neoprávnené platby inkasa. Listom zo 16. decembra 2014 táto banka potvrdila, že chýbal takýto súhlas s inkasom zo strany spoločnosti MSC, alebo prinajmenšom bol nesprávny, v dôsledku čoho mala MSC v zmysle článku 69 PRPS nárok na vrátenie zaplatených súm inkasa za trinásť mesiacov, teda sumu vo výške súm inkasa odpísaných od októbra 2013 do decembra 2014. Posledná uvedená banka teda nariadila vrátenie tejto sumy.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Kontakt 10/12/2014";
    "Kontakt 10/12/2014"-> "BCP Bank";
    "Kontakt 10/12/2014"-> "MSCz jej účtu boli odpísané neoprávnené platby inkasa"[dir=none];
    "BCP Bank"->"Listom 16/12/2014";
    "Listom 16/12/2014"->"MSC";
    "Listom 16/12/2014"->"Táto banka potvrdila, že chýbal takýto súhlas s inkasom zo strany spoločnosti MSC, alebo prinajmenšom bol nesprávny"[dir=none];
    "Listom 16/12/2014"->"MSC mala v zmysle článku 69 PRPS nárok na vrátenie zaplatených súm inkasa za trinásť mesiacov"[dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Slovenian

Družba MSC se je 10. decembra 2014 ponovno obrnila na banko BCP in ponovila trditve, da je bil njen račun neupravičeno bremenjen. Ta banka je z dopisom z dne 16. decembra 2014 potrdila, da takšna odobritev s strani družbe MSC ni obstajala oziroma je bila vsaj nezakonita, potrdila pa je tudi dejstvo, da je bila zato družba MSC upravičena do povračila izvršenih direktnih bremenitev v obdobju zakonsko določene zgornje meje trinajstih mesecev, ki je bila določena v členu 69 PUPS, kar je znesek, ki ustreza direktnim bremenitvam, izvršenim od oktobra 2013 do decembra 2014. Ta banka je torej odredila povračilo.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Pišite na 10/12/2014";
    "Pišite na 10/12/2014"-> "BCP Bank";
    "Pišite na 10/12/2014"-> "MSCda je bil njen račun neupravičeno bremenjen"[dir=none];
    "BCP Bank"->"dopisom z dne 16. decembra 2014 16/12/2014";
    "dopisom z dne 16. decembra 2014 16/12/2014"->"MSC";
    "dopisom z dne 16. decembra 2014 16/12/2014"->"potrdila, da takšna odobritev s strani družbe MSC ni obstajala oziroma je bila vsaj nezakonita"[dir=none];
    "dopisom z dne 16. decembra 2014 16/12/2014"->"družba MSC upravičena do povračila izvršenih direktnih bremenitev v obdobju zakonsko določene zgornje meje trinajstih mesecev, ki je bila določena v členu 69 PUPS"[dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Finnish

MSC kääntyi 10.12.2014 uudelleen BCP-pankin puoleen todeten, että sen tililtä oli jälleen tehty perusteettomia suoraveloituksia. Kyseinen pankki vahvisti 16.12.2014 päivätyllä kirjeellä, ettei MSC ollut antanut tällaista hyväksyntää tai ettei se ainakaan ollut sääntöjenmukainen, joten MSC:llä oli näin ollen oikeus saada suoritetut suoraveloitukset palautetuiksi RJSP:n 69 §:ssä säädetyn kolmentoista kuukauden lainmukaiseen rajaan asti eli saada palautetuksi määrä, joka vastasi vuoden 2013 lokakuun ja vuoden 2014 joulukuun välillä tehtyjä suoraveloituksia. Kyseinen pankki määräsi siis mainitun määrän palautettavaksi.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "MSC kääntyi 10.12.2014 uudelleen BCP-pankin puoleen 10/12/2014";
    "MSC kääntyi 10.12.2014 uudelleen BCP-pankin puoleen 10/12/2014"-> "BCP Bank";
    "MSC kääntyi 10.12.2014 uudelleen BCP-pankin puoleen 10/12/2014"-> "MSCsen tililtä oli jälleen tehty perusteettomia suoraveloituksia."[dir=none];
    "BCP Bank"->"16.12.2014 päivätyllä kirjeellä 16/12/2014";
    "16.12.2014 päivätyllä kirjeellä 16/12/2014"->"MSC";
    "16.12.2014 päivätyllä kirjeellä 16/12/2014"->"Kyseinen pankki vahvisti 16.12.2014 päivätyllä kirjeellä, ettei MSC ollut antanut tällaista hyväksyntää tai ettei se ainakaan ollut sääntöjenmukainen"[dir=none];
    "16.12.2014 päivätyllä kirjeellä 16/12/2014"->"MSC:llä oli näin ollen oikeus saada suoritetut suoraveloitukset palautetuiksi RJSP:n 69 §:ssä säädetyn kolmentoista kuukauden lainmukaiseen rajaan asti"[dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Swedish

MSC vände sig den 10 december 2014 åter till BCP-banken och gjorde på nytt gällande att otillbörliga autogireringar hade genomförts från dess konto. Genom en skrivelse av den 16 december 2014 bekräftade banken att MSC inte hade gett någon sådan auktoriseringen eller åtminstone att den var behäftad med brister och att MSC således hade rätt att – förutsatt att den lagstadgade fristen på 13 månader, vilken föreskrevs i artikel 69 RJSP, hade iakttagits – få de genomförda autogireringarna återbetalade. Det beloppet motsvarade i det aktuella fallet de autogireringar som genomförts från oktober månad 2013 till december månad 2014. Banken förordnade således om återbetalning av det beloppet.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Kontakt 10/12/2014";
    "Kontakt 10/12/2014"-> "BCP Bank";
    "Kontakt 10/12/2014"-> "MSCotillbörliga autogireringar hade genomförts från dess konto"[dir=none];
    "BCP Bank"->"Skrivelse 16/12/2014";
    "Skrivelse 16/12/2014"->"MSC";
    "Skrivelse 16/12/2014"->"bekräftade banken att MSC inte hade gett någon sådan auktoriseringen eller åtminstone att den var behäftad med brister"[dir=none];
    "Skrivelse 16/12/2014"->"MSC således hade rätt att – förutsatt att den lagstadgade fristen på 13 månader, vilken föreskrevs i artikel 69 RJSP, hade iakttagits – få de genomförda autogireringarna återbetalade."[dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: English

On 10 December 2014, MSC contacted BCP Bank again reiterating that its account had been wrongly debited. By letter of 16 December 2014, BCP Bank confirmed that MSC had not given any such authorisation, or that it was at least improper, and that MSC was accordingly entitled to be reimbursed for direct debits executed up to the legal limit of 13 months laid down in Article 69 of the RJSP, that is to say, a sum equivalent to the direct debits made from October 2013 to December 2014. Therefore, the bank ordered that that sum be reimbursed.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Letter 03/08/2016";
    "Letter 03/08/2016"-> "BCP Bank";
    "Letter 03/08/2016"-> "Made a request to BCP Bank that it also be reimbursed for that sum"[dir=none];
    "BCP Bank"->"MSC" [label="Refused the request"];
    "MSC"->"Direct debits had been paid for a total sum of EUR 8226.03 from MSC’s account on the basis of that authorization between 05/2010 and 09/2013" [dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Bulgarian

Впоследствие MSC установява, че в периода от май 2010 г. до септември 2013 г. са били изпълнявани директни дебити по сметката на дружеството на основание същото спорно разрешение в размер общо на 8226,03 EUR (наричани по-нататък „спорните директни дебити“). С писмо от 3 август 2016 г. дружеството иска от банка BCP да възстанови и тази сума, като банката отказва да направи това.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "С писмо от 3 август 2016 г. 03/08/2016";
    "С писмо от 3 август 2016 г. 03/08/2016"-> "BCP Bank";
    "С писмо от 3 август 2016 г. 03/08/2016"-> "дружеството иска от банка BCP да възстанови и тази сума"[dir=none];
    "BCP Bank"->"MSC" [label="банката отказва да направи това."];
    "MSC"->"директни дебити са били изпълнявани по сметката на дружеството на основание същото спорно разрешение в размер общо на 8226,03 EUR от май 2010 г. до септември 2013 г. 09/2013" [dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Spanish

Posteriormente, MSC comprobó que, entre el mes de mayo de 2010 y el mes de septiembre de 2013, se habían efectuado adeudos domiciliados en su cuenta sobre la base de la misma autorización controvertida por un importe total de 8226,03 euros (en lo sucesivo, «adeudos controvertidos»). Mediante escrito de 3 de agosto de 2016, solicitó al banco BCP que le devolviera asimismo dicha cantidad, a lo que este se negó.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Mediante escrito de 3 de agosto de 2016 03/08/2016";
    "Mediante escrito de 3 de agosto de 2016 03/08/2016"-> "BCP Bank";
    "Mediante escrito de 3 de agosto de 2016 03/08/2016"-> "Mediante escrito de 3 de agosto de 2016, solicitó al banco BCP que le devolviera asimismo dicha cantidad"[dir=none];
    "BCP Bank"->"MSC" [label="a lo que este se negó."];
    "MSC"->"se habían efectuado adeudos domiciliados en su cuenta sobre la base de la misma autorización por un importe total de 8226,03 euros entre el mes de mayo de 2010 y el mes de septiembre de 2013 09/2013" [dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Czech

Následně společnost MSC zjistila, že v období od května roku 2010 do září roku 2013 byly z jejího účtu odepisovány částky inkasa na základě téhož sporného svolení k inkasu v celkové výši 8226,03 eura (dále jen „sporné inkaso“). Dopisem ze dne 3. srpna 2016 tato společnost požádala banku BCP o vrácení také této částky, což uvedená banka odmítla.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Dopisem ze dne 3. srpna 2016 03/08/2016";
    "Dopisem ze dne 3. srpna 2016 03/08/2016"-> "BCP Bank";
    "Dopisem ze dne 3. srpna 2016 03/08/2016"-> "Tato společnost požádala banku BCP o vrácení také této částky"[dir=none];
    "BCP Bank"->"MSC" [label="odmítla"];
    "MSC"->"v období od května roku 2010 do září roku 2013 byly z jejího účtu odepisovány částky inkasa na základě téhož sporného svolení k inkasu v celkové výši 8226,03 eura 09/2013" [dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Danish

MSC konstaterede efterfølgende, at der i perioden fra maj 2010 til september 2013 var gennemført direkte debiteringer fra dets konto på baggrund af samme omtvistede tilladelse for et beløb på i alt 8226,03 EUR (herefter »de omtvistede debiteringer«). Ved skrivelse af 3. august 2016 anmodede MSC BCP-banken om også at tilbagebetale dette beløb, hvilket banken afviste.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Ved skrivelse af 3. august 2016 03/08/2016";
    "Ved skrivelse af 3. august 2016 03/08/2016"-> "BCP Bank";
    "Ved skrivelse af 3. august 2016 03/08/2016"-> "Ved skrivelse af 3. august 2016 anmodede MSC BCP-banken om også at tilbagebetale dette beløb"[dir=none];
    "BCP Bank"->"MSC" [label="hvilket banken afviste."];
    "MSC"->"Der i perioden fra maj 2010 til september 2013 var gennemført direkte debiteringer fra dets konto på baggrund af samme omtvistede tilladelse for et beløb på i alt 8226,03 EUR 09/2013" [dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: German

Später stellte MSC fest, dass im Zeitraum Mai 2010 bis September 2013 auch Lastschriften auf ihrem Konto aufgrund derselben streitigen Autorisierung in Höhe eines Gesamtbetrags von 8226,03 Euro belastet worden waren (im Folgenden: streitige Lastschriften). Mit Schreiben vom 3. August 2016 verlangte sie von der Bank BCP auch die Rückzahlung dieses Betrags, was diese verweigerte.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Mit Schreiben vom 3. August 2016 03/08/2016";
    "Mit Schreiben vom 3. August 2016 03/08/2016"-> "BCP Bank";
    "Mit Schreiben vom 3. August 2016 03/08/2016"-> "Mit Schreiben vom 3. August 2016 verlangte sie von der Bank BCP auch die Rückzahlung dieses Betrags"[dir=none];
    "BCP Bank"->"MSC" [label="verweigerte"];
    "MSC"->"09/2013 09/2013" [dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Estonian

Seejärel tuvastas MSC, et ajavahemikul 2010. aasta maist kuni 2013. aasta septembrini oli sama vaidlusaluse autoriseerimise alusel tehtud tema pangakontolt otsearveldusi kokku summas 8226,03 eurot (edaspidi „vaidlusalused otsearveldused“). Ta taotles 3. augusti 2016. aasta kirjas BCP pangalt ka selle summa tagastamist, millest viimane keeldus.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "3. augusti 2016. aasta kiri 03/08/2016";
    "3. augusti 2016. aasta kiri 03/08/2016"-> "BCP Bank";
    "3. augusti 2016. aasta kiri 03/08/2016"-> "Ta taotles 3. augusti 2016. aasta kirjas BCP pangalt ka selle summa tagastamist"[dir=none];
    "BCP Bank"->"MSC" [label="millest viimane keeldus."];
    "MSC"->"Ajavahemikul 2010. aasta maist kuni 2013. aasta septembrini oli sama vaidlusaluse autoriseerimise alusel tehtud tema pangakontolt otsearveldusi kokku summas 8226,03 eurot 09/2013" [dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Greek

Η MSC διαπίστωσε ακολούθως ότι, μεταξύ Μαΐου 2010 και Σεπτεμβρίου 2013, είχαν εκτελεσθεί άμεσες χρεώσεις στον λογαριασμό της, βάσει της ίδιας επίμαχης εγκρίσεως, συνολικού ποσού 8226,03 ευρώ (στο εξής: επίμαχες άμεσες χρεώσεις). Με έγγραφο της 3ης Αυγούστου 2016, η MSC ζήτησε από την τράπεζα BCP να της επιστρέψει και το ανωτέρω ποσό, πράγμα που η τελευταία αρνήθηκε.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Έγγραφο 03/08/2016";
    "Έγγραφο 03/08/2016"-> "BCP Bank";
    "Έγγραφο 03/08/2016"-> "Με έγγραφο της 3ης Αυγούστου 2016, η MSC ζήτησε από την τράπεζα BCP να της επιστρέψει και το ανωτέρω ποσό"[dir=none];
    "BCP Bank"->"MSC" [label="η τελευταία αρνήθηκε"];
    "MSC"->"09/2013 09/2013" [dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: French

Par la suite, MSC a constaté que, entre le mois de mai 2010 et le mois de septembre 2013, des prélèvements avaient été effectués sur son compte sur la base de la même autorisation litigieuse pour un montant total de 8226,03 euros (ci-après les « prélèvements litigieux »). Par une lettre du 3 août 2016, elle a demandé à la banque BCP de lui rembourser également cette somme, ce que cette dernière a refusé.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "une lettre du 3 août 2016 03/08/2016";
    "une lettre du 3 août 2016 03/08/2016"-> "BCP Bank";
    "une lettre du 3 août 2016 03/08/2016"-> "Par une lettre du 3 août 2016, elle a demandé à la banque BCP de lui rembourser également cette somme"[dir=none];
    "BCP Bank"->"MSC" [label="cette dernière a refusé."];
    "MSC"->"09/2013, des prélèvements avaient été effectués sur son compte sur la base de la même autorisation pour un montant total de 8226,03 euros 09/2013" [dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Croatian

Nakon toga društvo MSC utvrdilo je da su između svibnja 2010. i rujna 2013. izvršena izravna terećenja njegova računa u iznosu od 8226,03 eura (u daljnjem tekstu: sporna izravna terećenja) na temelju iste sporne suglasnosti. Dopisom od 3. kolovoza 2016. društvo MSC zatražilo je od banke BCP također povrat tog iznosa, što je potonja odbila.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Dopisom od 3. kolovoza 2016. 03/08/2016";
    "Dopisom od 3. kolovoza 2016. 03/08/2016"-> "BCP Bank";
    "Dopisom od 3. kolovoza 2016. 03/08/2016"-> "Društvo MSC zatražilo je od banke BCP također povrat tog iznosa"[dir=none];
    "BCP Bank"->"MSC" [label="što je potonja odbila."];
    "MSC"->"Između svibnja 2010. i rujna 2013. izvršena izravna terećenja njegova računa u iznosu od 8226,03 eura na temelju iste sporne suglasnosti. 09/2013" [dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Italian

La MSC rilevava quindi che, tra il mese di maggio 2010 e il mese di settembre 2013, erano stati effettuati diversi ordini di addebito sul suo conto, sulla base della stessa autorizzazione controversa, per un importo complessivo pari a EUR 8226,03 (in prosieguo: gli «ordini di addebito controversi). Con lettera del 3 agosto 2016, la stessa chiedeva alla banca BCP di rimborsarle anche detta somma, ciò che quest’ultima rifiutava di eseguire.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Con lettera del 3 agosto 2016 03/08/2016";
    "Con lettera del 3 agosto 2016 03/08/2016"-> "BCP Bank";
    "Con lettera del 3 agosto 2016 03/08/2016"-> "Con lettera del 3 agosto 2016, la stessa chiedeva alla banca BCP di rimborsarle anche detta somma"[dir=none];
    "BCP Bank"->"MSC" [label="quest’ultima rifiutava di eseguire."];
    "MSC"->"tra il mese di maggio 2010 e il mese di settembre 2013, erano stati effettuati diversi ordini di addebito sul suo conto, sulla base della stessa autorizzazione controversa, per un importo complessivo pari a EUR 8226,03 09/2013" [dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Latvian

Tad MSC konstatēja, ka laikā no 2010. gada maija līdz 2013. gada septembrim, pamatojoties uz to pašu strīdīgo autorizāciju, no tās konta ir izdarīti tiešā debeta maksājumi par kopējo summu 8226,03 EUR apmērā (turpmāk tekstā – “strīdīgie tiešā debeta maksājumi”). Ar 2016. gada 3. augusta vēstuli tā lūdza bankai BCP atmaksāt tai arī šo summu, bet to banka atteicās darīt.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "2016. gada 3. augusta vēstuli 03/08/2016";
    "2016. gada 3. augusta vēstuli 03/08/2016"-> "BCP Bank";
    "2016. gada 3. augusta vēstuli 03/08/2016"-> "Ar 2016. gada 3. augusta vēstuli tā lūdza bankai BCP atmaksāt tai arī šo summu"[dir=none];
    "BCP Bank"->"MSC" [label="banka atteicās darīt."];
    "MSC"->"Laikā no 2010. gada maija līdz 2013. gada septembrim, pamatojoties uz to pašu strīdīgo autorizāciju, no tās konta ir izdarīti tiešā debeta maksājumi par kopējo summu 8226,03 EUR apmērā 09/2013" [dir=none];
    
}
Judgment of the Court (Tenth Chamber) of 11 April 2019.
Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA.
Request for a preliminary ruling from the Tribunal da Relação do Porto.
Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions.
Case C-295/18. (2019)
Language: Lithuanian

Vėliau MSC konstatavo, kad nuo 2010 m. gegužės mėn. iki 2013 m. rugsėjo mėn. remiantis tuo pačiu ginčijamu sankcionuojančiu dokumentu iš jos sąskaitos buvo nurašyta 8226,03 EUR suma (toliau – ginčijamas pervedimas). 2016 m. rugpjūčio 3 d. raštu ji pareikalavo, kad BCP bankas grąžintų šią sumą, tačiau bankas atsisakė tai daryti.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "2016 m. rugpjūčio 3 d. raštu 03/08/2016";
    "2016 m. rugpjūčio 3 d. raštu 03/08/2016"-> "BCP Bank";
    "2016 m. rugpjūčio 3 d. raštu 03/08/2016"-> "2016 m. rugpjūčio 3 d. raštu ji pareikalavo, kad BCP bankas grąžintų šią sumą"[dir=none];
    "BCP Bank"->"MSC" [label="atsisakė tai daryti"];
    "MSC"->"Nuo 2010 m. gegužės mėn. iki 2013 m. rugsėjo mėn. remiantis tuo pačiu ginčijamu sankcionuojančiu dokumentu iš jos sąskaitos buvo nurašyta 8226,03 EUR suma 09/2013" [dir=none];
    
}