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: Lithuanian

Vykstant tokiam keitimuisi informacija, iš Caixa Geral de Depósitos SA, t. y. banko, kuriame yra sąskaita, į kurią šie pervedimai buvo vykdomi (toliau – mokėjimo užsakovo bankas), buvo gauta dokumento, kuriuo sankcionuoti nagrinėjami tiesioginio debeto pervedimai, kopija. Taigi BCP bankas galėjo konstatuoti, kad šis sankcionuojantis dokumentas buvo išduotas ne sąskaitos, iš kurios nurašytos lėšos, savininkės MSC, bet trečiojo subjekto, kuris ir yra mokėjimo užsakovas, siekiant, kad mokėjimai jam būtų atliekami pervedant pinigus iš sąskaitos; minėtas sankcionuojantis dokumentas atskleidė, kad skiriasi nurodytas sąskaitos numeris ir banko identifikavimo numeris, kuris buvo MSC identifikavimo numeris BCP banke.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "dokumento, kuriuo sankcionuoti nagrinėjami tiesioginio debeto pervedimai, kopija" [label="sankcionuojantis dokumentas"];
    "dokumento, kuriuo sankcionuoti nagrinėjami tiesioginio debeto pervedimai, kopija"-> "minėtas sankcionuojantis dokumentas atskleidė, kad skiriasi nurodytas sąskaitos numeris ir banko identifikavimo numeris"[dir=none];
    "dokumento, kuriuo sankcionuoti nagrinėjami tiesioginio debeto pervedimai, kopija"-> "Sankcionuoti buvo gauta dokumento iš mokėjimo užsakovo."[dir=none];
    "BCP Bank"->"MSC indėlio sąskaita" [dir=none];
    "MSC indėlio sąskaita"->"Caixa Geral de Depósitos SA"[label="tiesioginio debeto pervedimai"];
    "Caixa Geral de Depósitos SA"->"dokumento, kuriuo sankcionuoti nagrinėjami tiesioginio debeto pervedimai, kopija"[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

A fenti üzenetváltások során beszerezték a szóban forgó beszedésekre vonatkozó fizetési engedély másolatát a Caixa Geral de Depósitos SA‑tól, vagyis attól a banktól, amely azt a számlát vezeti, amelynek javára e beszedéseket teljesítették (a továbbiakban: a megbízó bankja). A BCP‑bank ekkor megállapíthatta, hogy ezt az engedélyt nem a megterhelt számla tulajdonosa, vagyis az MSC, hanem e megbízó, vagyis egy harmadik személy társaság adta ki annak érdekében, hogy számláról történő beszedések útján kifizetéseket teljesítsenek ez utóbbi társaság javára, azon körülmény mellett, hogy az említett engedély kiemelte, hogy eltérés áll fenn a feltüntetett bankszámlaszám és a banki azonosító szám között, amely az MSC‑nek a BCP‑banknál használt azonosító száma volt.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "A szóban forgó beszedésekre vonatkozó fizetési engedély másolatát" [label="Nincs engedély."];
    "A szóban forgó beszedésekre vonatkozó fizetési engedély másolatát"-> "eltérés áll fenn a feltüntetett bankszámlaszám és a banki azonosító szám között"[dir=none];
    "A szóban forgó beszedésekre vonatkozó fizetési engedély másolatát"-> "A fizetési engedélyt a megbízó adta ki"[dir=none];
    "BCP Bank"->"MSC betéti számla." [dir=none];
    "MSC betéti számla."->"Caixa Geral de Depósitos SA"[label="beszedések"];
    "Caixa Geral de Depósitos SA"->"A szóban forgó beszedésekre vonatkozó fizetési engedély másolatát"[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

Matul dawn l-iskambji, kopja tal-awtorizzazzjoni ta’ ħlas relatata mad-debiti diretti inkwistjoni nkisbet mingħand Caixa Geral de Depósitos SA, il-bank li fih huwa miżmum il-kont li favurih kienu ġew eżegwiti dawn id-debiti diretti (iktar ’il quddiem il-“bank tal-prinċipal”). Il-bank BCP seta’ għalhekk jikkonstata li din l-awtorizzazzjoni kienet inħarġet mhux mill-persuna li taħt isimha huwa rreġistrat il-kont iddebitat, MSC, iżda minn dan il-prinċipal, kumpannija terza, għal ħlas favur dan tal-aħħar permezz ta’ debiti diretti minn kont, b’dan il-fatt li l-imsemmija awtorizzazzjoni ġabet fid-dawl l-eżistenza ta’ diverġenza bejn in-numru tal-kont indikat u n-numru ta’ identifikazzjoni bankarja, li kien dak ta’ MSC mal-bank BCP.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "Kopja tal-awtorizzazzjoni ta’ ħlas relatata mad-debiti diretti" [label="Extracted sentence: Il-bank BCP seta’ għalhekk jikkonstata li din l-awtorizzazzjoni kienet inħarġet mhux mill-persuna li taħt isimha huwa rreġistrat il-kont iddebitat, MSC, iżda minn dan il-prinċipal, kumpannija terza, għal ħlas favur dan tal-aħħar permezz ta’ debiti diretti minn kont."];
    "Kopja tal-awtorizzazzjoni ta’ ħlas relatata mad-debiti diretti"-> "l-eżistenza ta’ diverġenza bejn in-numru tal-kont indikat u n-numru ta’ identifikazzjoni bankarja"[dir=none];
    "Kopja tal-awtorizzazzjoni ta’ ħlas relatata mad-debiti diretti"-> "Il-bank BCP seta’ għalhekk jikkonstata li din l-awtorizzazzjoni kienet inħarġet mhux mill-persuna li taħt isimha huwa rreġistrat il-kont iddebitat, MSC, iżda minn dan il-prinċipal, kumpannija terza, għal ħlas favur dan tal-aħħar permezz ta’ debiti diretti minn kont."[dir=none];
    "BCP Bank"->"MSC kont ta' depożitu." [dir=none];
    "MSC kont ta' depożitu."->"Caixa Geral de Depósitos SA"[label="Debiti diretti"];
    "Caixa Geral de Depósitos SA"->"Kopja tal-awtorizzazzjoni ta’ ħlas relatata mad-debiti diretti"[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

In de loop van deze uitwisseling werd een kopie van de instemming met de betaling inzake de betrokken automatische afschrijvingen verkregen bij de Caixa Geral de Depósitos SA, de bank waar de rekening werd aangehouden ten gunste waarvan deze automatische afschrijvingen waren verricht (hierna: „bank van de opdrachtgever”). De bank BCP heeft vervolgens kunnen vaststellen dat deze instemming niet door de houder van de gedebiteerde rekening, MSC, maar wel door deze opdrachtgever, een derde vennootschap, was verstrekt, met het oog op betalingen ten gunste van deze opdrachtgever via automatische afschrijvingen van een rekening, waarbij uit de betrokken instemming bleek dat het vermelde bankrekeningnummer verschilde van het bankidentificatienummer, te weten dat van MSC bij de bank BCP.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "Een kopie van de instemming met de betaling inzake de betrokken automatische afschrijvingen" [label="Deze instemming niet door de houder van de gedebiteerde rekening, MSC, maar wel door deze opdrachtgever, een derde vennootschap, was verstrekt"];
    "Een kopie van de instemming met de betaling inzake de betrokken automatische afschrijvingen"-> "uit de betrokken instemming bleek dat het vermelde bankrekeningnummer verschilde van het bankidentificatienummer"[dir=none];
    "Een kopie van de instemming met de betaling inzake de betrokken automatische afschrijvingen"-> "Deze instemming was verstrekt door deze opdrachtgever"[dir=none];
    "BCP Bank"->"MSC depositorekening" [dir=none];
    "MSC depositorekening"->"Caixa Geral de Depósitos SA"[label="automatische afschrijvingen"];
    "Caixa Geral de Depósitos SA"->"Een kopie van de instemming met de betaling inzake de betrokken automatische afschrijvingen"[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 trakcie tej korespondencji uzyskano od Caixa Geral de Depósitos SA, banku, w którym znajdował się rachunek, na rzecz którego wykonywano te polecenia zapłaty (zwanego dalej „bankiem zleceniodawcy”), kopię autoryzacji polecenia zapłaty dotyczącej spornych poleceń zapłaty. Bank BCP był wówczas w stanie ustalić, że autoryzacja została wydana nie przez posiadacza obciążonego rachunku, MSC, tylko przez tego zleceniodawcę, będącego inną spółką, w celu dokonania płatności na jego rzecz w drodze polecenia zapłaty z pewnego rachunku, przy czym wspomniana autoryzacja wykazywała istnienie rozbieżności między wskazanym numerem rachunku a numerem identyfikacyjnym banku, którym był numer identyfikacyjny MSC w banku BCP.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "Kopię autoryzacji polecenia zapłaty dotyczącej spornych poleceń zapłaty" [label="autoryzacja"];
    "Kopię autoryzacji polecenia zapłaty dotyczącej spornych poleceń zapłaty"-> "Istnienie rozbieżności między wskazanym numerem rachunku a numerem identyfikacyjnym banku"[dir=none];
    "Kopię autoryzacji polecenia zapłaty dotyczącej spornych poleceń zapłaty"-> "Autoryzacja została wydana przez zleceniodawcę"[dir=none];
    "BCP Bank"->"MSC konto depozytowe" [dir=none];
    "MSC konto depozytowe"->"Caixa Geral de Depósitos SA"[label="polecenia zapłaty"];
    "Caixa Geral de Depósitos SA"->"Kopię autoryzacji polecenia zapłaty dotyczącej spornych poleceń zapłaty"[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

No decurso da troca de correspondência, foi obtida uma cópia da autorização de cobrança relativa aos débitos diretos em causa, junto da Caixa Geral de Depósitos, SA, banco onde está detida a conta a favor da qual eram efetuados esses débitos diretos (a seguir «banco do ordenante»). O banco BCP verificou então que esta autorização não se encontrava subscrita pelo titular da conta debitada, a MSC, mas por esse ordenante, que era uma sociedade terceira, para que fossem efetuados pagamentos por débito direto numa conta, com a circunstância de que a referida autorização demonstrava que havia uma discrepância entre o número de conta indicado e o número de identificação bancária, que era o número de identificação bancária da MCS junto do banco BCP.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "uma cópia da autorização de cobrança relativa aos débitos diretos" [label="esta autorização não se encontrava subscrita pelo titular da conta debitada, a MSC, mas por esse ordenante, que era uma sociedade terceira, para que fossem efetuados pagamentos por débito direto numa conta, com a circunstância de que a referida autorização demonstrava que havia uma discrepância entre o número de conta indicado e o número de identificação bancária, que era o número de identificação bancária da MCS junto do banco BCP."];
    "uma cópia da autorização de cobrança relativa aos débitos diretos"-> "a referida autorização demonstrava que havia uma discrepância entre o número de conta indicado e o número de identificação bancária"[dir=none];
    "uma cópia da autorização de cobrança relativa aos débitos diretos"-> "esta autorização não se encontrava subscrita pelo titular da conta debitada, a MSC, mas por esse ordenante, que era uma sociedade terceira"[dir=none];
    "BCP Bank"->"MSC conta de depósito" [dir=none];
    "MSC conta de depósito"->"Caixa Geral de Depósitos SA"[label="débitos diretos"];
    "Caixa Geral de Depósitos SA"->"uma cópia da autorização de cobrança relativa aos débitos diretos"[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

În cadrul acestor schimburi, a fost obținută o copie a autorizației de plată referitoare la debitările în cauză de la Caixa Geral de Depósitos SA, banca la care este deținut contul în folosul căruia au fost realizate debitările respective (denumită în continuare „banca ordonatorului”). Banca BCP a putut constata astfel că această autorizație fusese emisă nu de titularul contului debitat, MSC, ci de acest ordonator, o societate terță, în vederea efectuării plăților în favoarea acestuia prin debitări dintr‑un cont, cu împrejurarea că autorizația menționată scotea în evidență existența unei discrepanțe între numărul de cont indicat și numărul de identificare bancară, care era cel al MSC de la banca BCP.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "o copie a autorizației de plată referitoare la debitările în cauză" [label="această autorizație fusese emisă nu de titularul contului debitat, MSC, ci de acest ordonator, o societate terță"];
    "o copie a autorizației de plată referitoare la debitările în cauză"-> "Existența unei discrepanțe între numărul de cont indicat și numărul de identificare bancară"[dir=none];
    "o copie a autorizației de plată referitoare la debitările în cauză"-> "Această autorizație fusese emisă nu de titularul contului debitat, MSC, ci de acest ordonator, o societate terță"[dir=none];
    "BCP Bank"->"MSC cont de depozit" [dir=none];
    "MSC cont de depozit"->"Caixa Geral de Depósitos SA"[label="debitările"];
    "Caixa Geral de Depósitos SA"->"o copie a autorizației de plată referitoare la debitările în cauză"[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

V priebehu poslednej uvedenej korešpondencie bola získaná kópia povolenia platby týkajúceho sa predmetných inkás od spoločnosti Caixa Geral de Depósitos SA, banky, v ktorej je vedený účet, v prospech ktorého tieto inkasá boli vykonané (ďalej len „banka príkazcu“). Banka BCP teda mohla konštatovať, že tento súhlas bol vydaný nie vlastníkom účtu, z ktorého boli finančné prostriedky odpísané, teda spoločnosťou MSC, ale týmto príkazcom, treťou spoločnosťou, na účely platby v prospech tejto tretej spoločnosti inkasom z účtu, pričom uvedený súhlas odhalil nezrovnalosť medzi uvedeným číslom účtu a identifikačným kódom banky, ktorým bolo číslo účtu spoločnosti MSC v banke BCP.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "získaná kópia povolenia platby týkajúceho sa predmetných inkás" [label="Súhlas nebol vydaný"];
    "získaná kópia povolenia platby týkajúceho sa predmetných inkás"-> "uvedený súhlas odhalil nezrovnalosť medzi uvedeným číslom účtu a identifikačným kódom banky"[dir=none];
    "získaná kópia povolenia platby týkajúceho sa predmetných inkás"-> "Tento súhlas bol vydaný týmto príkazcom"[dir=none];
    "BCP Bank"->"MSC vkladový účet" [dir=none];
    "MSC vkladový účet"->"Caixa Geral de Depósitos SA"[label="inkás"];
    "Caixa Geral de Depósitos SA"->"získaná kópia povolenia platby týkajúceho sa predmetných inkás"[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

Med to korespondenco je bila kopija odobritve za plačilo za zadevne direktne obremenitve pridobljena od Caixa Geral de Depósitos SA, banke, v kateri je bil račun, v korist katerega so bile izvršene te direktne obremenitve (v nadaljevanju: banka izdajatelja plačilnega naloga). Banka BCP je torej lahko ugotovila, da te odobritve ni dal imetnik bremenjenega računa, torej družba MSC, temveč ta izdajatelj plačilnega naloga, ki je tretja družba, da bi ta izdajatelj pridobil korist z direktnimi bremenitvami z računa, pri čemer je bila iz te odobritve razvidna razlika med navedeno številko računa in bančno identifikacijsko številko, ki je bila številka družbe MSC pri banki BCP.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "Kopija odobritve za plačilo za zadevne direktne obremenitve" [label="da te odobritve ni dal imetnik bremenjenega računa"];
    "Kopija odobritve za plačilo za zadevne direktne obremenitve"-> "Iz te odobritve je bila razvidna razlika med navedeno številko računa in bančno identifikacijsko številko."[dir=none];
    "Kopija odobritve za plačilo za zadevne direktne obremenitve"-> "Odobritve je dal imetnik bremenjenega računa"[dir=none];
    "BCP Bank"->"MSC depozitni račun" [dir=none];
    "MSC depozitni račun"->"Caixa Geral de Depósitos SA"[label="direktne obremenitve"];
    "Caixa Geral de Depósitos SA"->"Kopija odobritve za plačilo za zadevne direktne obremenitve"[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

Tämän tietojenvaihdon aikana Caixa Geral de Depósitos SA ‑pankilta, jossa pidettiin kyseiset suoraveloitukset vastaanottavaa tiliä (toimeksiantajan pankki), saatiin jäljennös hyväksynnästä, joka koski kyseisiä suoraveloituksia. BCP-pankki saattoi tällöin todeta, ettei kyseistä hyväksyntää ollut antanut veloitetun tilin tilinhaltija MSC vaan mainittu toimeksiantaja, joka oli kolmas osapuoli ja joka oli antanut sen saadakseen tilille suoraveloitettuja maksuja, ja että kyseistä hyväksynnästä ilmeni selvästi, että ilmoitetun pankkitilin numeron ja pankkitunnuksen, joka oli MSC:n tunnus BCP-pankissa, välillä oli epäjohdonmukaisuus.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "jäljennös hyväksynnästä, joka koski kyseisiä suoraveloituksia" [label="ei kyseistä hyväksyntää ollut antanut"];
    "jäljennös hyväksynnästä, joka koski kyseisiä suoraveloituksia"-> "ilmoitetun pankkitilin numeron ja pankkitunnuksen, joka oli MSC:n tunnus BCP-pankissa, välillä oli epäjohdonmukaisuus."[dir=none];
    "jäljennös hyväksynnästä, joka koski kyseisiä suoraveloituksia"-> "Hyväksynnän oli antanut mainittu toimeksiantaja"[dir=none];
    "BCP Bank"->"MSC talletustili" [dir=none];
    "MSC talletustili"->"Caixa Geral de Depósitos SA"[label="suoraveloitukset"];
    "Caixa Geral de Depósitos SA"->"jäljennös hyväksynnästä, joka koski kyseisiä suoraveloituksia"[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

Under skriftväxlingen erhölls en kopia av betalningsauktorisationen avseende de aktuella autogireringarna från Caixa Geral de Depósitos SA. Det konto till vilket autogireringarna hade genomförts fanns i den banken (nedan kallad ordergivarens bank). BCP-banken kunde således konstatera att auktoriseringen inte hade getts av innehavaren av det debiterade kontot, det vill säga MSC, utan av ordergivaren, som var ett utomstående bolag, för att erhålla betalningar genom autogireringar från ett konto. Betalningsauktorisationen visade även att det angivna kontonumret och bankidentifieringskoden skiljde sig åt, då den sistnämnda var den som MSC använde avseende BCP-banken.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "En kopia av betalningsauktorisationen avseende de aktuella autogireringarna" [label="auktoriseringen inte hade getts"];
    "En kopia av betalningsauktorisationen avseende de aktuella autogireringarna"-> "Betalningsauktorisationen visade även att det angivna kontonumret och bankidentifieringskoden skiljde sig åt"[dir=none];
    "En kopia av betalningsauktorisationen avseende de aktuella autogireringarna"-> "Auktoriseringen hade getts av ordergivaren"[dir=none];
    "BCP Bank"->"MSC Inlåningskonto" [dir=none];
    "MSC Inlåningskonto"->"Caixa Geral de Depósitos SA"[label="autogireringarna"];
    "Caixa Geral de Depósitos SA"->"En kopia av betalningsauktorisationen avseende de aktuella autogireringarna"[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" -> "Contact 10/12/2014";
    "Contact 10/12/2014"-> "BCP Bank";
    "Contact 10/12/2014"-> "MSC’s account had been wrongly debited"[dir=none];
    "BCP Bank"->"Letter 16/12/2014";
    "Letter 16/12/2014"->"MSC";
    "Letter 16/12/2014"->"Confirmed that  MSC had not given any such authorization or that it was at least improper"[dir=none];
    "Letter 16/12/2014"->"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"[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

На 10 декември 2014 г. MSC отново се обръща към банка BCP, като потвърждава, че сметката е била задължена недължимо. С писмо от 16 декември 2014 г. посочената банка потвърждава липсата на разрешение за това от MSC, или най-малкото неговата нередовност, както и факта, че вследствие на това MSC има право да му бъдат възстановени изпълнените директни дебити до размера на законовото ограничение от тринадесет месеца, предвидено в член 69 от RJSP, т.е. сумата, съответстваща на извършените директни дебити от октомври 2013 г. до декември 2014 г. Въпросната банка нарежда възстановяването на посочената сума.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "обръща към банка BCP 10/12/2014";
    "обръща към банка BCP 10/12/2014"-> "BCP Bank";
    "обръща към банка BCP 10/12/2014"-> "MSCсметката е била задължена недължимо"[dir=none];
    "BCP Bank"->"С писмо от 16 декември 2014 г. 16/12/2014";
    "С писмо от 16 декември 2014 г. 16/12/2014"->"MSC";
    "С писмо от 16 декември 2014 г. 16/12/2014"->"Посочената банка потвърждава липсата на разрешение за това от MSC, или най-малкото неговата нередовност"[dir=none];
    "С писмо от 16 декември 2014 г. 16/12/2014"->"MSC има право да му бъдат възстановени изпълнените директни дебити до размера на законовото ограничение от тринадесет месеца, предвидено в член 69 от 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: Spanish

El 10 de diciembre de 2014, MSC se dirigió de nuevo al banco BCP, reiterándole que su cuenta había sido objeto de adeudos domiciliados indebidos. Mediante escrito de 16 de diciembre de 2014, dicho banco confirmó la inexistencia de autorización de MCS, o al menos su irregularidad, y el hecho de que, por tanto, MSC tenía derecho a obtener la devolución de los adeudos domiciliados ejecutados hasta el límite legal de trece meses previsto en el artículo 69 del RJSP, es decir, el importe correspondiente a los adeudos domiciliados ejecutados desde el mes de octubre de 2013 hasta el mes de diciembre de 2014. Por consiguiente, dicho banco ordenó que se procediera a la devolución.

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"-> "MSCsu cuenta había sido objeto de adeudos domiciliados indebidos."[dir=none];
    "BCP Bank"->"Mediante escrito de 16 de diciembre de 2014 16/12/2014";
    "Mediante escrito de 16 de diciembre de 2014 16/12/2014"->"MSC";
    "Mediante escrito de 16 de diciembre de 2014 16/12/2014"->"dicho banco confirmó la inexistencia de autorización de MCS, o al menos su irregularidad"[dir=none];
    "Mediante escrito de 16 de diciembre de 2014 16/12/2014"->"MSC tenía derecho a obtener la devolución de los adeudos domiciliados ejecutados hasta el límite legal de trece meses previsto en el artículo 69 del 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: Danish

Den 10. december 2014 henvendte MSC sig på ny til BCP-banken og gjorde atter gældende, at der var gennemført direkte debiteringer fra dets konto, som selskabet ikke skyldte. Ved skrivelse af 16. december 2014 bekræftede banken, at MSC ikke havde givet nogen tilladelse, eller i det mindste at den var behæftet med fejl eller mangler, og at MSC – forudsat at den lovbestemte frist på 13 måneder i RJSP’s artikel 69 var overholdt – således havde ret til at få de gennemførte direkte debiteringer tilbagebetalt, dvs. det beløb, der svarede til de direkte debiteringer, som var gennemført fra oktober 2013 til december 2014. Banken anordnede dernæst denne tilbagebetaling.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Den 10. december 2014 henvendte MSC sig på ny til BCP-banken 10/12/2014";
    "Den 10. december 2014 henvendte MSC sig på ny til BCP-banken 10/12/2014"-> "BCP Bank";
    "Den 10. december 2014 henvendte MSC sig på ny til BCP-banken 10/12/2014"-> "MSCder var gennemført direkte debiteringer fra dets konto, som selskabet ikke skyldte."[dir=none];
    "BCP Bank"->"Skrivelse af 16. december 2014 16/12/2014";
    "Skrivelse af 16. december 2014 16/12/2014"->"MSC";
    "Skrivelse af 16. december 2014 16/12/2014"->"Ved skrivelse af 16. december 2014 bekræftede banken, at MSC ikke havde givet nogen tilladelse, eller i det mindste at den var behæftet med fejl eller mangler"[dir=none];
    "Skrivelse af 16. december 2014 16/12/2014"->"MSC – forudsat at den lovbestemte frist på 13 måneder i RJSP’s artikel 69 var overholdt – således havde ret til at få de gennemførte direkte debiteringer tilbagebetalt"[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

Am 10. Dezember 2014 wandte sich MSC erneut an die Bank BCP und teilte mit, dass von ihrem Konto weiterhin unbegründete Lastschriften ausgeführt worden seien. Mit Schreiben vom 16. Dezember 2014 bestätigte diese Bank, dass von MSC keine solche Autorisierung vorliege oder sie zumindest rechtswidrig sei und dass MSC daher einen Anspruch auf Rückerstattung der ausgeführten Lastschriften bis zu der in Art. 69 der Regelung der Zahlungsdienste vorgesehenen gesetzlichen Obergrenze von 13 Monaten habe, d. h. des Betrags, der den von Oktober 2013 bis Dezember 2014 durchgeführten Lastschriften entspreche. Die Bank BCP ordnete sodann die Erstattung an.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Am 10. Dezember 2014 wandte sich MSC erneut an die Bank BCP 10/12/2014";
    "Am 10. Dezember 2014 wandte sich MSC erneut an die Bank BCP 10/12/2014"-> "BCP Bank";
    "Am 10. Dezember 2014 wandte sich MSC erneut an die Bank BCP 10/12/2014"-> "MSCvon ihrem Konto weiterhin unbegründete Lastschriften ausgeführt worden seien"[dir=none];
    "BCP Bank"->"Mit Schreiben vom 16. Dezember 2014 16/12/2014";
    "Mit Schreiben vom 16. Dezember 2014 16/12/2014"->"MSC";
    "Mit Schreiben vom 16. Dezember 2014 16/12/2014"->"bestätigte diese Bank, dass von MSC keine solche Autorisierung vorliege oder sie zumindest rechtswidrig sei"[dir=none];
    "Mit Schreiben vom 16. Dezember 2014 16/12/2014"->"MSC daher einen Anspruch auf Rückerstattung der ausgeführten Lastschriften bis zu der in Art. 69 der Regelung der Zahlungsdienste vorgesehenen gesetzlichen Obergrenze von 13 Monaten habe"[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

MSC pöördus 10. detsembril 2014 uuesti BCP panga poole, korrates, et tema kontolt oli tehtud põhjendamatuid otsearveldusi. See pank kinnitas 16. detsembri 2014. aasta kirjas MSC niisuguse autoriseerimise puudumist või vähemalt selle nõuetele mittevastavust ning asjaolu, et MSC-l oli järelikult õigus saada tagasi otsearveldused, mis on tehtud RJSP artiklis 69 ette nähtud 13 kuu pikkuse piirmäära ulatuses, või summa, mis vastab 2013. aasta oktoobrist kuni 2014. aasta detsembrini tehtud otsearveldustele. Nimetatud pank andis korralduse selle tagastamiseks.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "MSC pöördus 10. detsembril 2014 uuesti BCP panga poole 10/12/2014";
    "MSC pöördus 10. detsembril 2014 uuesti BCP panga poole 10/12/2014"-> "BCP Bank";
    "MSC pöördus 10. detsembril 2014 uuesti BCP panga poole 10/12/2014"-> "MSCtema kontolt oli tehtud põhjendamatuid otsearveldusi."[dir=none];
    "BCP Bank"->"16. detsembri 2014. aasta kiri 16/12/2014";
    "16. detsembri 2014. aasta kiri 16/12/2014"->"MSC";
    "16. detsembri 2014. aasta kiri 16/12/2014"->"See pank kinnitas 16. detsembril 2014. aasta kirjas MSC niisuguse autoriseerimise puudumist või vähemalt selle nõuetele mittevastavust"[dir=none];
    "16. detsembri 2014. aasta kiri 16/12/2014"->"MSC-l oli järelikult õigus saada tagasi otsearveldused, mis on tehtud RJSP artiklis 69 ette nähtud 13 kuu pikkuse piirmäära ulatuses"[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

Στις 10 Δεκεμβρίου 2014, η MSC απευθύνθηκε εκ νέου στην τράπεζα BCP, επαναλαμβάνοντας ότι είχαν εκτελεσθεί αχρεώστητες άμεσες χρεώσεις του λογαριασμού της. Με έγγραφο της 16ης Δεκεμβρίου 2014, η εν λόγω τράπεζα επιβεβαίωσε την έλλειψη εγκρίσεως εκ μέρους της MSC ή τουλάχιστον τον παράτυπο χαρακτήρα της εγκρίσεως, καθώς και το ότι η MSC εδικαιούτο, κατά συνέπεια, επιστροφή του ποσού των άμεσων χρεώσεων που είχαν εκτελεσθεί μέχρι το νόμιμο όριο των δεκατριών μηνών που προβλέπεται στο άρθρο 69 του RJSP, τουτέστιν ποσό που αντιστοιχούσε στις άμεσες χρεώσεις που είχαν εκτελεσθεί από τον Οκτώβριο του 2013 έως τον Δεκέμβριο του 2014. Ως εκ τούτου, η εν λόγω τράπεζα διέταξε την επιστροφή.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "απευθύνθηκε 10/12/2014";
    "απευθύνθηκε 10/12/2014"-> "BCP Bank";
    "απευθύνθηκε 10/12/2014"-> "MSCείχαν εκτελεσθεί αχρεώστητες άμεσες χρεώσεις του λογαριασμού της"[dir=none];
    "BCP Bank"->"Έγγραφο 16/12/2014";
    "Έγγραφο 16/12/2014"->"MSC";
    "Έγγραφο 16/12/2014"->"Με έγγραφο της 16ης Δεκεμβρίου 2014, η εν λόγω τράπεζα επιβεβαίωσε την έλλειψη εγκρίσεως εκ μέρους της MSC ή τουλάχιστον τον παράτυπο χαρακτήρα της εγκρίσεως"[dir=none];
    "Έγγραφο 16/12/2014"->"ότι η MSC εδικαιούτο, κατά συνέπεια, επιστροφή του ποσού των άμεσων χρεώσεων που είχαν εκτελεσθεί μέχρι το νόμιμο όριο των δεκατριών μηνών που προβλέπεται στο άρθρο 69 του 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: French

Le 10 décembre 2014, MSC s’est de nouveau adressée à la banque BCP, en réitérant que son compte avait fait l’objet de prélèvements indus. Par une lettre du 16 décembre 2014, cette banque a confirmé l’absence d’une telle autorisation de la part de MSC, ou à tout le moins son irrégularité, et le fait que MSC était, par conséquent, en droit d’obtenir le remboursement des prélèvements exécutés à concurrence de la limite légale de treize mois prévue à l’article 69 du RJSP, soit le montant correspondant aux prélèvements effectués du mois d’octobre 2013 au mois de décembre 2014. Ladite banque en a donc ordonné le remboursement.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Le 10 décembre 2014, MSC s’est de nouveau adressée à la banque BCP 10/12/2014";
    "Le 10 décembre 2014, MSC s’est de nouveau adressée à la banque BCP 10/12/2014"-> "BCP Bank";
    "Le 10 décembre 2014, MSC s’est de nouveau adressée à la banque BCP 10/12/2014"-> "MSCson compte avait fait l’objet de prélèvements indus"[dir=none];
    "BCP Bank"->"Par une lettre du 16 décembre 2014 16/12/2014";
    "Par une lettre du 16 décembre 2014 16/12/2014"->"MSC";
    "Par une lettre du 16 décembre 2014 16/12/2014"->"cette banque a confirmé l’absence d’une telle autorisation de la part de MSC, ou à tout le moins son irrégularité"[dir=none];
    "Par une lettre du 16 décembre 2014 16/12/2014"->"MSC était, par conséquent, en droit d’obtenir le remboursement des prélèvements exécutés à concurrence de la limite légale de treize mois prévue à l’article 69 du 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: Croatian

Društvo MSC ponovno se obratilo banci BCP 10. prosinca 2014. ponavljajući da je njegov račun i dalje predmet neodobrenih izravnih terećenja. Dopisom od 16. prosinca 2014. ta banka potvrdila je nepostojanje ili barem nepravilnost suglasnosti društva MSC i činjenicu da društvo MSC stoga ima pravo na povrat izvršenih izravnih terećenja do zakonske granice od trinaest mjeseci iz članka 69. PSPU‑a ili do iznosa koji odgovaraju izvršenim izravnim terećenjima od listopada 2013. do prosinca 2014. Stoga je navedena banka naložila povrat.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Društvo MSC ponovno se obratilo banci BCP 10. prosinca 2014. 10/12/2014";
    "Društvo MSC ponovno se obratilo banci BCP 10. prosinca 2014. 10/12/2014"-> "BCP Bank";
    "Društvo MSC ponovno se obratilo banci BCP 10. prosinca 2014. 10/12/2014"-> "MSCnjegov račun i dalje predmet neodobrenih izravnih terećenja."[dir=none];
    "BCP Bank"->"Dopisom od 16. prosinca 2014. 16/12/2014";
    "Dopisom od 16. prosinca 2014. 16/12/2014"->"MSC";
    "Dopisom od 16. prosinca 2014. 16/12/2014"->"Ta banka potvrdila je nepostojanje ili barem nepravilnost suglasnosti društva MSC"[dir=none];
    "Dopisom od 16. prosinca 2014. 16/12/2014"->"Društvo MSC stoga ima pravo na povrat izvršenih izravnih terećenja do zakonske granice od trinaest mjeseci iz članka 69. PSPU‑a"[dir=none];
    
}