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: Maltese

MSC għandha taħt isimha kont bankarju ta’ depożitu mal-lejl mal-bank BCP. Wara awditu mwettaq tul is-sena 2014, din il-kumpannija skopriet li dan il-kont kien ġie regolarment iddebitat permezz ta’ debiti diretti eżegwiti minnu favur terz (iktar ’il quddiem il-“prinċipal”) li miegħu hija ma kellha l-ebda relazzjoni u mingħajr ma kienet tat awtorizzazzjoni għal dan il-għan lill-bank BCP.
B’ittra tas-17 ta’ Novembru 2014, MSC talbet lill-bank BCP jannulla dawn id-debiti diretti, iħallasha lura l-ammonti ddebitati u jibgħatilha kopja tad-dokumenti li kienu awtorizzaw l-imsemmija debiti diretti. Wara skambji bejn dawn iż-żewġ entitajiet, dan il-bank wettaq l-annullament mitlub u ħallas lura s-somma ta’ EUR 683.48, li tikkorrispondi għad-debiti diretti magħmula fix-xhur ta’ Ottubru u ta’ Novembru 2014.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "B’ittra tas-17 ta’ Novembru 2014, MSC talbet lill-bank BCP jannulla dawn id-debiti diretti, iħallasha lura l-ammonti ddebitati u jibgħatilha kopja tad-dokumenti li kienu awtorizzaw l-imsemmija debiti diretti. 17/11/2014";
    "B’ittra tas-17 ta’ Novembru 2014, MSC talbet lill-bank BCP jannulla dawn id-debiti diretti, iħallasha lura l-ammonti ddebitati u jibgħatilha kopja tad-dokumenti li kienu awtorizzaw l-imsemmija debiti diretti. 17/11/2014" -> "BCP Bank";
    "B’ittra tas-17 ta’ Novembru 2014, MSC talbet lill-bank BCP jannulla dawn id-debiti diretti, iħallasha lura l-ammonti ddebitati u jibgħatilha kopja tad-dokumenti li kienu awtorizzaw l-imsemmija debiti diretti. 17/11/2014" -> "B’ittra tas-17 ta’ Novembru 2014, MSC talbet lill-bank BCP jannulla dawn id-debiti diretti, iħallasha lura l-ammonti ddebitati u jibgħatilha kopja tad-dokumenti li kienu awtorizzaw l-imsemmija debiti diretti."[dir=none];
    "BCP Bank" -> "MSC" [label="ħallas lura s-somma ta’ EUR 683.48 683.48"];
    "BCP Bank"->"Kont bankarju ta’ depożitu mal-lejl" [dir=none];
    "Kont bankarju ta’ depożitu mal-lejl"->"dan il-kont kien ġie regolarment iddebitat permezz ta’ debiti diretti eżegwiti minnu favur terz" [dir=none];
    "BCP Bank"->"Kont bankarju ta’ depożitu mal-lejl"[label="wettaq l-annullament mitlub"]
    
}
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

MSC jest posiadaczem bankowego rachunku bieżącego w banku BCP. W wyniku audytu przeprowadzonego w 2014 r. spółka ta odkryła, że rachunek ten był regularnie obciążany w drodze polecenia zapłaty na rzecz osoby trzeciej (zwanej dalej „zleceniodawcą”), z którą spółka ta nie miała żadnych stosunków umownych, przy czym ona sama nie udzieliła bankowi BCP autoryzacji w tym zakresie.
Pismem z dnia 17 listopada 2014 r. MSC zażądał od banku BCP, by anulował te polecenia zapłaty, zwrócił spółce pobrane kwoty i przekazał jej kopie dokumentów, które autoryzowały obciążenie jej rachunku. W wyniku wymiany korespondencji między tymi dwoma podmiotami bank dokonał żądanego anulowania i zwrócił kwotę 683,48 EUR, odpowiadającą obciążeniom dokonanym w październiku i listopadzie 2014 r.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Pismem z dnia 17 listopada 2014 r. 17/11/2014";
    "Pismem z dnia 17 listopada 2014 r. 17/11/2014" -> "BCP Bank";
    "Pismem z dnia 17 listopada 2014 r. 17/11/2014" -> "Zażądał od banku BCP, by anulował te polecenia zapłaty, zwrócił spółce pobrane kwoty i przekazał jej kopie dokumentów, które autoryzowały obciążenie jej rachunku."[dir=none];
    "BCP Bank" -> "MSC" [label="zwrócił kwotę 683,48 EUR 683.48"];
    "BCP Bank"->"Konto depozytowe na noc." [dir=none];
    "Konto depozytowe na noc."->"Rachunek ten był regularnie obciążany w drodze polecenia zapłaty na rzecz osoby trzeciej" [dir=none];
    "BCP Bank"->"Konto depozytowe na noc."[label="dokonał żądanego anulowania"]
    
}
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

A MSC é titular de uma conta bancária de depósito à ordem junto do banco BCP. No âmbito de auditorias realizadas em 2014, esta sociedade verificou que, através de débito direto, a sua conta estava a ser regularmente debitada a favor de um terceiro (a seguir «ordenante») com o qual não tinha nenhuma relação e sem que para o efeito tivesse dado autorização ao banco BCP.
Por carta de 17 de novembro de 2014, a MSC pediu ao banco BCP o cancelamento do débito direto, a reversão dos valores debitados e o envio de uma cópia dos documentos que os haviam autorizado. No seguimento de contactos entre estas duas entidades, este banco procedeu ao cancelamento pedido e devolveu à recorrente a quantia de 683,48 euros, atinente aos débitos efetuados nos meses de outubro e novembro de 2014.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Por carta de 17 de novembro de 2014 17/11/2014";
    "Por carta de 17 de novembro de 2014 17/11/2014" -> "BCP Bank";
    "Por carta de 17 de novembro de 2014 17/11/2014" -> "Por carta de 17 de novembro de 2014, a MSC pediu ao banco BCP o cancelamento do débito direto, a reversão dos valores debitados e o envio de uma cópia dos documentos que os haviam autorizado."[dir=none];
    "BCP Bank" -> "MSC" [label="devolveu à recorrente a quantia de 683,48 euros 683.48"];
    "BCP Bank"->"uma conta bancária de depósito à ordem" [dir=none];
    "uma conta bancária de depósito à ordem"->"a sua conta estava a ser regularmente debitada a favor de um terceiro" [dir=none];
    "BCP Bank"->"uma conta bancária de depósito à ordem"[label="procedeu ao cancelamento pedido"]
    
}
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

MSC este titulara unui cont bancar de depozit la vedere la banca BCP. În urma unui audit desfășurat în cursul anului 2014, această societate a constatat că respectivul cont era debitat în mod regulat, prin intermediul unor plăți directe efectuate de pe acesta în favoarea unui terț (denumit în continuare „ordonatorul”) cu care nu avea nicio relație și fără să fi acordat o autorizație în acest sens băncii BCP.
Printr‑o scrisoare din 17 noiembrie 2014, MSC a solicitat băncii BCP să anuleze aceste debitări directe, să îi ramburseze sumele debitate și să îi transmită o copie a documentelor prin care au fost autorizate. Ca urmare a schimburilor de informații dintre cele două entități, această bancă a procedat la anularea solicitată și a rambursat suma de 683,48 euro, corespunzătoare debitărilor directe efectuate în lunile octombrie și noiembrie ale anului 2014.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Printr‑o scrisoare din 17 noiembrie 2014 17/11/2014";
    "Printr‑o scrisoare din 17 noiembrie 2014 17/11/2014" -> "BCP Bank";
    "Printr‑o scrisoare din 17 noiembrie 2014 17/11/2014" -> "A solicitat băncii BCP să anuleze aceste debitări directe, să îi ramburseze sumele debitate și să îi transmită o copie a documentelor prin care au fost autorizate."[dir=none];
    "BCP Bank" -> "MSC" [label="a rambursat suma de 683,48 euro 683.48"];
    "BCP Bank"->"un cont bancar de depozit la vedere" [dir=none];
    "un cont bancar de depozit la vedere"->"Respectivul cont era debitat în mod regulat, prin intermediul unor plăți directe efectuate de pe acesta în favoarea unui terț" [dir=none];
    "BCP Bank"->"un cont bancar de depozit la vedere"[label="a procedat la anularea solicitată"]
    
}
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

MSC je majiteľkou bankového účtu otvoreného v banke BCP. V rámci interného auditu vykonaného v roku 2014 táto spoločnosť zistila, že z jej účtu boli vo forme inkasa pravidelne hradené platby tretej osoby (ďalej len „príkazca“), s ktorou nemala žiadny vzťah, a bez toho, že by na tento účel udelila banke BCP povolenie.
Listom zo 17. novembra 2014 MSC požiadala banku BCP, aby zrušila tieto inkasá, vrátila jej odpísané sumy a poskytla jej kópie dokumentov, na základe ktorých boli tieto inkasá povolené. V nadväznosti na vzájomnú korešpondenciu medzi týmito dvoma subjektmi, táto banka vykonala požadované zrušenie a vrátila sumu 683,48 eura, ktorá zodpovedala inkasám vykonaným v októbri a novembri 2014.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Pismem z dnia 17 listopada 2014 r. 17/11/2014";
    "Pismem z dnia 17 listopada 2014 r. 17/11/2014" -> "BCP Bank";
    "Pismem z dnia 17 listopada 2014 r. 17/11/2014" -> "Zażądał od banku BCP, by anulował te polecenia zapłaty, zwrócił spółce pobrane kwoty i przekazał jej kopie dokumentów, które autoryzowały obciążenie jej rachunku."[dir=none];
    "BCP Bank" -> "MSC" [label="zwrócił kwotę 683,48 EUR 683.48"];
    "BCP Bank"->"Konto depozytowe na noc." [dir=none];
    "Konto depozytowe na noc."->"Rachunek ten był regularnie obciążany w drodze polecenia zapłaty na rzecz osoby trzeciej" [dir=none];
    "BCP Bank"->"Konto depozytowe na noc."[label="dokonał żądanego anulowania"]
    
}
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 je imetnica bančnega depozitnega računa pri banki BCP. Po reviziji, ki je bila izvedena leta 2014, je ta družba odkrila, da so se s tega računa redno izvrševale direktne bremenitve v korist tretje osebe (v nadaljevanju: izdajatelj plačilnega naloga), s katero ni bila v nobenem razmerju, banki BCP pa v ta namen ni dala nobenega soglasja.
Družba MSC je z dopisom z dne 17. novembra 2014 od banke BCP zahtevala, naj te direktne bremenitve razveljavi, naj ji vrne odtegnjene zneske in naj ji posreduje kopijo dokumentov, na podlagi katerih naj bi bila ta plačila odobrena. Po korespondenci teh dveh subjektov je ta banka izvedla zahtevano razveljavitev in povrnila znesek 683,48 EUR, kar je ustrezalo direktnim obremenitvam, ki so bile izvršene oktobra in novembra 2014.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Dopis 17/11/2014";
    "Dopis 17/11/2014" -> "BCP Bank";
    "Dopis 17/11/2014" -> "Zahtevala, naj te direktne bremenitve razveljavi, naj ji vrne odtegnjene zneske in naj ji posreduje kopijo dokumentov, na podlagi katerih naj bi bila ta plačila odobrena."[dir=none];
    "BCP Bank" -> "MSC" [label="povrnila znesek 683,48 EUR 683.48"];
    "BCP Bank"->"bančnega depozitnega računa" [dir=none];
    "bančnega depozitnega računa"->"Da so se s tega računa redno izvrševale direktne bremenitve v korist tretje osebe" [dir=none];
    "BCP Bank"->"bančnega depozitnega računa"[label="Razveljavi te direktne bremenitve"]
    
}
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:llä on avistatili BCP-pankissa. Mainittu yhtiö havaitsi vuoden 2014 kuluessa tehdyssä tilintarkastuksessa, että kyseistä tiliä veloitettiin säännöllisesti suoraveloituksella erään sellaisen kolmannen osapuolen hyväksi (jäljempänä maksumääräyksen antaja), johon sillä ei ollut minkäänlaista suhdetta, ilman, että se olisi antanut BCP-pankille hyväksyntää tätä tarkoitusta varten.
MSC vaati 17.11.2014 päivätyllä kirjeellä, että BCP-pankki peruuttaisi nämä suoraveloitukset, palauttaisi sille suoraveloitetut määrät ja toimittaisi sille jäljennöksen niiden hyväksyntää koskevista asiakirjoista. Näiden kahden yrityksen välisen tietojenvaihdon johdosta kyseinen pankki peruutti vaadituin tavoin kyseisen suoraveloituksen ja palautti vuoden 2014 lokakuussa ja marraskuussa tehtyjä suoraveloituksia vastaavan 683,48 euron suuruisen määrän.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "17.11.2014 päivätyllä kirjeellä 17/11/2014";
    "17.11.2014 päivätyllä kirjeellä 17/11/2014" -> "BCP Bank";
    "17.11.2014 päivätyllä kirjeellä 17/11/2014" -> "Vaati peruuttamaan nämä suoraveloitukset, palauttamaan sille suoraveloitettujen määrien ja toimittamaan sille jäljennöksen niiden hyväksyntää koskevista asiakirjoista."[dir=none];
    "BCP Bank" -> "MSC" [label="palautti vuoden 2014 lokakuussa ja marraskuussa tehtyjä suoraveloituksia vastaavan 683,48 euron suuruisen määrän. 683.48"];
    "BCP Bank"->"avistatili" [dir=none];
    "avistatili"->"että kyseistä tiliä veloitettiin säännöllisesti suoraveloituksella erään sellaisen kolmannen osapuolen hyväksi" [dir=none];
    "BCP Bank"->"avistatili"[label="peruutti kyseisen suoraveloituksen"]
    
}
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 är innehavare av ett bankkonto som innehas i deponeringssyfte hos BCP-banken. Efter en revision som genomfördes 2014 upptäckte nämnda bolag att det bankkontot regelbundet hade debiterats genom autogireringar som genomförts från det kontot till en tredje part (nedan kallad ordergivaren), till vilken bolaget inte hade något avtalsförhållande och utan att bolaget hade auktoriserat någon sådan betalningstransaktion hos BCP-banken.
Genom en skrivelse av den 17 november 2014 begärde MSC att BCP-banken skulle annullera autogireringarna, återbetala de autogirerade beloppen och till bolaget översända en kopia av de handlingar, genom vilka autogireringarna hade auktoriserats. Efter skriftväxling mellan dessa två parter genomförde banken den begärda annulleringen och återbetalade ett belopp på 683,48 euro, vilket motsvarade de autogireringar som hade genomförts i oktober och november 2014.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    
    "MSC" -> "Skrivelse 17/11/2014";
    "Skrivelse 17/11/2014" -> "BCP Bank";
    "Skrivelse 17/11/2014" -> "Begärde MSC att BCP-banken skulle annullera autogireringarna, återbetala de autogirerade beloppen och till bolaget översända en kopia av de handlingar, genom vilka autogireringarna hade auktoriserats."[dir=none];
    "BCP Bank" -> "MSC" [label="återbetalade ett belopp på 683,48 euro 683.48"];
    "BCP Bank"->"ett bankkonto som innehas i deponeringssyfte" [dir=none];
    "ett bankkonto som innehas i deponeringssyfte"->"det bankkontot regelbundet hade debiterats genom autogireringar som genomförts från det kontot till en tredje part" [dir=none];
    "BCP Bank"->"ett bankkonto som innehas i deponeringssyfte"[label="genomförde banken den begärda annulleringen"]
    
}
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

In the course of those exchanges, a copy of the payment authorisation for the direct debits at issue was obtained from Caixa Geral de Depósitos SA where the account which received those direct debits was held (‘the principal’s bank’). BCP Bank was then able to see that that authorisation had not been given by the holder of the debited account, MSC, but by the principal, a third company, for the purpose of making payments to that principal by direct debit from an account, with the result that that authorisation highlighted the existence of a discrepancy between the account number shown and the bank identification number which was MSC’s bank identification number with BCP Bank.

Legal relationship diagram (Graphviz):
digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "A copy of the payment authorisation for the direct debits" [label="No authorisation"];
    "A copy of the payment authorisation for the direct debits"-> "The existence of a discrepancy between the account number shown and the bank identification number"[dir=none];
    "A copy of the payment authorisation for the direct debits"-> "Authorisation had been given by the principal"[dir=none];
    "BCP Bank"->"MSC deposit account" [dir=none];
    "MSC deposit account"->"Caixa Geral de Depósitos SA"[label="Direct debits"];
    "Caixa Geral de Depósitos SA"->"A copy of the payment authorisation for the direct debits"[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

По време на тази размяна на информация е получено копие от разрешението за плащане във връзка със спорните директни дебити от Caixa Geral de Depósitos SA, банката, в която се поддържа сметката, в полза на която са изпълнени тези директни дебити (наричана по-нататък „банката на наредителя“). Банка BCP установява, че това разрешение не е било издадено от титуляря на задължената сметка, MSC, а от този наредител, трето дружество, с цел плащанията в полза на последното чрез директен дебит по сметка, с това обстоятелство, че посоченото разрешение дава възможност да се установи разлика между посочения номер на сметка и банковия идентификационен номер, който е номерът на MSC към банка BCP.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "копие от разрешението за плащане във връзка със спорните директни дебити" [label="това разрешение не е било издадено от титуляря на задължената сметка, MSC"];
    "копие от разрешението за плащане във връзка със спорните директни дебити"-> "посоченото разрешение дава възможност да се установи разлика между посочения номер на сметка и банковия идентификационен номер"[dir=none];
    "копие от разрешението за плащане във връзка със спорните директни дебити"-> "Това разрешение не е било издадено от титуляра на задължената сметка, MSC, а от този наредител, трето дружество"[dir=none];
    "BCP Bank"->"MSC депозитна сметка" [dir=none];
    "MSC депозитна сметка"->"Caixa Geral de Depósitos SA"[label="директни дебити"];
    "Caixa Geral de Depósitos SA"->"копие от разрешението за плащане във връзка със спорните директни дебити"[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

A raíz de este intercambio de correspondencia, se obtuvo de Caixa Geral de Depósitos, S.A., banco en el que está abierta la cuenta en cuyo favor se habían ejecutado dichos adeudos domiciliados (en lo sucesivo, «banco del ordenante»), una copia de la autorización de pago de tales adeudos. El banco BCP pudo comprobar entonces que la autorización no la había suscrito el titular de la cuenta en la que se habían efectuado los cargos, MSC, sino el ordenante, una sociedad tercera, para pagos en favor de este mediante adeudos domiciliados efectuados en una cuenta, con la particularidad de que esa autorización ponía de manifiesto la discrepancia entre el número de cuenta bancaria indicado y el número de identificación bancaria, que era el de MSC en el 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" -> "una copia de la autorización de pago de tales adeudos." [label="la autorización no la había suscrito el titular de la cuenta"];
    "una copia de la autorización de pago de tales adeudos."-> "esa autorización ponía de manifiesto la discrepancia entre el número de cuenta bancaria indicado y el número de identificación bancaria"[dir=none];
    "una copia de la autorización de pago de tales adeudos."-> "la autorización la había suscrito el ordenante"[dir=none];
    "BCP Bank"->"MSC cuenta de depósito" [dir=none];
    "MSC cuenta de depósito"->"Caixa Geral de Depósitos SA"[label="adeudos domiciliados"];
    "Caixa Geral de Depósitos SA"->"una copia de la autorización de pago de tales adeudos."[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

V rámci této výměny korespondence byla od banky Caixa Geral de Depósitos SA, u které je veden účet, v jehož prospěch byly uskutečňovány uvedené platby inkasem (dále jen „banka příkazce“), získána kopie svolení k inkasu dotčených odepsaných částek. Banka BCP tak mohla zjistit, že toto svolení k inkasu nebylo poskytnuto majitelem účtu, z něhož byla odepsána částka, tj. společností MSC, nýbrž uvedeným příkazcem, tj. třetí společností s cílem získat ve svůj prospěch částky prostřednictvím inkasa z účtu s tím, že uvedené svolení odhalilo existenci rozporu mezi uvedeným číslem účtu a identifikačním kódem banky, kterým bylo číslo účtu společnosti MSC u banky BCP.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "kopie svolení k inkasu" [label="toto svolení k inkasu nebylo poskytnuto majitelem účtu"];
    "kopie svolení k inkasu"-> "existenci rozporu mezi uvedeným číslem účtu a identifikačním kódem banky"[dir=none];
    "kopie svolení k inkasu"-> "Toto svolení k inkasu nebylo poskytnuto majitelem účtu, z něhož byla odepsána částka, tj. společností MSC, nýbrž uvedeným příkazcem, tj. třetí společností s cílem získat ve svůj prospěch částky prostřednictvím inkasa z účtu."[dir=none];
    "BCP Bank"->"MSC vkladový účet" [dir=none];
    "MSC vkladový účet"->"Caixa Geral de Depósitos SA"[label="uskutečňovány uvedené platby inkasem"];
    "Caixa Geral de Depósitos SA"->"kopie svolení k inkasu"[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

I forbindelse med denne korrespondance blev der indhentet en kopi af betalingsanvisningen vedrørende de omhandlede direkte debiteringer hos Caixa Geral de Depósitos SA, i hvilken bank den konto, som disse direkte debiteringer blev indbetalt til, er oprettet (herefter »ordregiverens bank«). BCP-banken kunne i denne forbindelse konstatere, at tilladelsen ikke var blevet givet af indehaveren af den debiterede konto, dvs. MSC, men af ordregiveren, der var et tredje selskab, med henblik på at opnå betalinger til sidstnævnte gennem direkte debiteringer fra en konto, idet det af tilladelsen fremgik, at der var en uoverensstemmelse mellem det angivne kontonummer og den bankidentifikationskode, som MSC havde i 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 kopi af betalingsanvisningen vedrørende de direkte debiteringer" [label="tilladelsen ikke var blevet givet"];
    "En kopi af betalingsanvisningen vedrørende de direkte debiteringer"-> "det af tilladelsen fremgik, at der var en uoverensstemmelse mellem det angivne kontonummer og den bankidentifikationskode"[dir=none];
    "En kopi af betalingsanvisningen vedrørende de direkte debiteringer"-> "Tilladelsen var blevet givet af ordregiveren"[dir=none];
    "BCP Bank"->"MSC Indskudskonto" [dir=none];
    "MSC Indskudskonto"->"Caixa Geral de Depósitos SA"[label="direkte debiteringer"];
    "Caixa Geral de Depósitos SA"->"En kopi af betalingsanvisningen vedrørende de direkte debiteringer"[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

Während dieser Schriftwechsel erhielt MSC eine Kopie der betreffenden Lastschriftautorisierung von der Caixa Geral de Depósitos SA, der Bank, bei der das Konto geführt wurde, zugunsten dessen diese Lastschriften ausgeführt worden waren (im Folgenden: Bank des Auftraggebers). Die Bank BCP konnte dann feststellen, dass diese Autorisierung nicht vom Inhaber des belasteten Kontos, MSC, sondern von dem betreffenden Auftraggeber, einer dritten Gesellschaft, im Hinblick auf Zahlungen an Letztere durch Lastschriften auf ein Konto stammte, wobei die genannte Autorisierung eine Divergenz zwischen der angegebenen Kontonummer und der BIC, die die der MSC bei der Bank BCP war, erkennen ließ.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "eine Kopie der betreffenden Lastschriftautorisierung" [label="diese Autorisierung nicht vom Inhaber des belasteten Kontos, MSC"];
    "eine Kopie der betreffenden Lastschriftautorisierung"-> "eine Divergenz zwischen der angegebenen Kontonummer und der BIC"[dir=none];
    "eine Kopie der betreffenden Lastschriftautorisierung"-> "Diese Autorisierung nicht vom Inhaber des belasteten Kontos, MSC, sondern von dem betreffenden Auftraggeber"[dir=none];
    "BCP Bank"->"MSC Einlagenkonto" [dir=none];
    "MSC Einlagenkonto"->"Caixa Geral de Depósitos SA"[label="Lastschriften"];
    "Caixa Geral de Depósitos SA"->"eine Kopie der betreffenden Lastschriftautorisierung"[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

Selle kirjavahetuse käigus saadi koopia kõnealuste otsearveldustega seotud maksete autoriseerimise kohta Caixa Geral de Depósitos SA-lt – pangalt, kus asub see konto, mille kasuks neid otsearveldusi tehti (edaspidi „maksekäsundi andja pank“). BCP pangal oli seega võimalik tuvastada, et seda ei olnud autoriseerinud mitte debiteeritud konto omanik MSC, vaid hoopis maksekäsundi andja kolmas äriühing, ning selle eesmärk oli teha otsearvelduste teel viimase kasuks makseid ühele kontole, kusjuures nimetatud autoriseerimine tõi välja erinevuse märgitud kontonumbri ja panga identifitseerimisnumbri vahel, sest viimane oli MSC identifitseerimisnumber BCP pangas.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "Kirjavahetuse käigus saadi koopia kõnealuste otsearveldustega seotud maksete autoriseerimise kohta" [label="et seda ei olnud autoriseerinud mitte debiteeritud konto omanik MSC"];
    "Kirjavahetuse käigus saadi koopia kõnealuste otsearveldustega seotud maksete autoriseerimise kohta"-> "autoriseerimine tõi välja erinevuse märgitud kontonumbri ja panga identifitseerimisnumbri vahel"[dir=none];
    "Kirjavahetuse käigus saadi koopia kõnealuste otsearveldustega seotud maksete autoriseerimise kohta"-> "Autoriseerimise andis maksekäsundi andja"[dir=none];
    "BCP Bank"->"MSC hoiukonto" [dir=none];
    "MSC hoiukonto"->"Caixa Geral de Depósitos SA"[label="otsearveldusi"];
    "Caixa Geral de Depósitos SA"->"Kirjavahetuse käigus saadi koopia kõnealuste otsearveldustega seotud maksete autoriseerimise kohta"[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

Κατά τη διάρκεια της αλληλογραφίας αυτής, προσκομίσθηκε αντίγραφο της εγκρίσεως πληρωμής σχετικά με τις επίμαχες άμεσες χρεώσεις από την Caixa Geral de Depósitos SA, τράπεζα στην οποία ετηρείτο ο λογαριασμός σε πίστωση του οποίου είχαν εκτελεσθεί οι εν λόγω άμεσες χρεώσεις (στο εξής: τράπεζα του εντολέα). Η τράπεζα BCP διαπίστωσε τότε ότι η έγκριση αυτή δεν είχε δοθεί από τον δικαιούχο του χρεωθέντος λογαριασμού, δηλαδή την MSC, αλλά από τον ανωτέρω εντολέα, μια τρίτη εταιρία, ενόψει πληρωμών υπέρ της τελευταίας μέσω άμεσων χρεώσεων σε λογαριασμό, από τη δε προμνησθείσα έγκριση προέκυπτε η ύπαρξη αναντιστοιχίας μεταξύ του αναγραφόμενου αριθμού λογαριασμού και του αριθμού τραπεζικής ταυτότητας, που ήταν ο αριθμός της MSC στην τράπεζα BCP.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "αντίγραφο της εγκρίσεως πληρωμής σχετικά με τις επίμαχες άμεσες χρεώσεις" [label="Η έγκριση αυτή δεν είχε δοθεί"];
    "αντίγραφο της εγκρίσεως πληρωμής σχετικά με τις επίμαχες άμεσες χρεώσεις"-> "η ύπαρξη αναντιστοιχίας μεταξύ του αναγραφόμενου αριθμού λογαριασμού και του αριθμού τραπεζικής ταυτότητας"[dir=none];
    "αντίγραφο της εγκρίσεως πληρωμής σχετικά με τις επίμαχες άμεσες χρεώσεις"-> "Η έγκριση αυτή δεν είχε δοθεί από τον δικαιούχο του χρεωθέντος λογαριασμού, δηλαδή την MSC, αλλά από τον ανωτέρω εντολέα"[dir=none];
    "BCP Bank"->"MSC λογαριασμός καταθέσεων" [dir=none];
    "MSC λογαριασμός καταθέσεων"->"Caixa Geral de Depósitos SA"[label="άμεσες χρεώσεις"];
    "Caixa Geral de Depósitos SA"->"αντίγραφο της εγκρίσεως πληρωμής σχετικά με τις επίμαχες άμεσες χρεώσεις"[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

Au cours de ces échanges, une copie de l’autorisation de paiement relative aux prélèvements en cause a été obtenue auprès de Caixa Geral de Depósitos SA, banque dans laquelle est détenu le compte en faveur duquel ces prélèvements avaient été exécutés (ci-après la « banque du donneur d’ordre »). La banque BCP a alors pu constater que cette autorisation avait été émise non pas par le titulaire du compte débité, MSC, mais par ce donneur d’ordre, une société tierce, en vue de paiements en faveur de ce dernier par prélèvements sur un compte, avec cette circonstance que ladite autorisation mettait en évidence l’existence d’une divergence entre le numéro de compte indiqué et le numéro d’identification bancaire, qui était celui de MSC auprès de la banque BCP.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "une copie de l’autorisation de paiement relative aux prélèvements" [label="Not found"];
    "une copie de l’autorisation de paiement relative aux prélèvements"-> "l’existence d’une divergence entre le numéro de compte indiqué et le numéro d’identification bancaire"[dir=none];
    "une copie de l’autorisation de paiement relative aux prélèvements"-> "cette autorisation avait été émise par le donneur d’ordre"[dir=none];
    "BCP Bank"->"MSC compte de dépôt" [dir=none];
    "MSC compte de dépôt"->"Caixa Geral de Depósitos SA"[label="prélèvements"];
    "Caixa Geral de Depósitos SA"->"une copie de l’autorisation de paiement relative aux prélèvements"[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

Tijekom prepiske od Caixa Geral de Depósitos SA, banke u kojoj se vodi račun u korist kojeg su izravna terećenja izvršena (u daljnjem tekstu: banka davatelja naloga), dobivena je kopija suglasnosti za plaćanje koja se odnosi na izravna terećenja o kojima je riječ. Banka BCP utvrdila je da tu suglasnost nije izdalo društvo MSC, vlasnik terećenog računa, nego treće društvo, davatelj naloga, radi plaćanja na račun u korist potonjeg izravnim terećenjem, uz okolnost da je navedena suglasnost dokazala postojanje razlike između naznačenog broja računa i identifikacijskog bankovnog broja, pri čemu je potonji onaj društva MSC u banci BCP.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "Dobivena je kopija suglasnosti za plaćanje koja se odnosi na izravna terećenja" [label="tu suglasnost nije izdalo društvo MSC"];
    "Dobivena je kopija suglasnosti za plaćanje koja se odnosi na izravna terećenja"-> "Postojanje razlike između naznačenog broja računa i identifikacijskog bankovnog broja"[dir=none];
    "Dobivena je kopija suglasnosti za plaćanje koja se odnosi na izravna terećenja"-> "Suglasnost je dala banka davatelja naloga"[dir=none];
    "BCP Bank"->"MSC depozitni račun" [dir=none];
    "MSC depozitni račun"->"Caixa Geral de Depósitos SA"[label="izravna terećenja"];
    "Caixa Geral de Depósitos SA"->"Dobivena je kopija suglasnosti za plaćanje koja se odnosi na izravna terećenja"[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

Nel corso di questi scambi, una copia dell’autorizzazione di pagamento relativa ai prelievi in questione veniva conseguita presso la Caixa Geral de Depósitos SA, banca in cui è detenuto il conto a favore del quale erano stati eseguiti detti ordini di addebito (in prosieguo: la «banca dell’ordinante»). La banca BCP poteva quindi rilevare che detta autorizzazione era stata emessa non dal titolare del conto addebitato, la MSC, bensì da detto ordinante, una società terza, per effettuare pagamenti a favore di quest’ultimo mediante ordini di addebito su un conto, ove detta autorizzazione metteva in evidenza l’esistenza di una divergenza tra il numero di conto indicato e il numero di identificazione bancaria, che era quello della MSC presso 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" -> "una copia dell’autorizzazione di pagamento relativa ai prelievi" [label="detta autorizzazione era stata emessa non dal titolare del conto addebitato, la MSC, bensì da detto ordinante, una società terza"];
    "una copia dell’autorizzazione di pagamento relativa ai prelievi"-> "l’esistenza di una divergenza tra il numero di conto indicato e il numero di identificazione bancaria"[dir=none];
    "una copia dell’autorizzazione di pagamento relativa ai prelievi"-> "detta autorizzazione era stata emessa non dal titolare del conto addebitato, la MSC, bensì da detto ordinante, una società terza"[dir=none];
    "BCP Bank"->"MSC conto di deposito" [dir=none];
    "MSC conto di deposito"->"Caixa Geral de Depósitos SA"[label="ordini di addebito"];
    "Caixa Geral de Depósitos SA"->"una copia dell’autorizzazione di pagamento relativa ai prelievi"[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

Šīs vēstuļu apmaiņas gaitā no Caixa Geral de Depósitos S.A., kas ir banka, kurā ir konts, uz kuru tika veikti tiešā debeta maksājumi (turpmāk tekstā – “maksājuma uzdevuma devēja banka”), tika iegūta maksājumu autorizācijas dokumenta kopija attiecībā uz strīdīgajiem tiešā debeta maksājumiem. Banka BCP tad varēja konstatēt, ka šo autorizāciju nebija devis debitētā konta turētājs, proti, MSC, bet gan maksājuma rīkojuma devējs, kas bija trešā sabiedrība, lai saņemtu maksājumus tās labā tiešā debeta maksājumu veidā, un šajā autorizācijā bija konstatējama atšķirība starp norādīto konta numuru un bankas identifikācijas kodu, kas atbilda tam, kāds MSC bankā bija BCP.

Legal relationship diagram (Graphviz):

digraph {
    node [shape=box];
    
    "BCP Bank" [shape=doubleoctagon];
    "MSC" [shape=doubleoctagon];
    "Caixa Geral de Depósitos SA" [shape=doubleoctagon];
    
    "MSC" -> "maksājumu autorizācijas dokumenta kopija attiecībā uz strīdīgajiem tiešā debeta maksājumiem" [label="šo autorizāciju nebija devis debitētā konta turētājs, proti, MSC"];
    "maksājumu autorizācijas dokumenta kopija attiecībā uz strīdīgajiem tiešā debeta maksājumiem"-> "šajā autorizācijā bija konstatējama atšķirība starp norādīto konta numuru un bankas identifikācijas kodu"[dir=none];
    "maksājumu autorizācijas dokumenta kopija attiecībā uz strīdīgajiem tiešā debeta maksājumiem"-> "Autorizāciju nebija devis debitētā konta turētājs, proti, MSC, bet gan maksājuma rīkojuma devējs"[dir=none];
    "BCP Bank"->"MSC depozīta konts" [dir=none];
    "MSC depozīta konts"->"Caixa Geral de Depósitos SA"[label="tiešā debeta maksājumi"];
    "Caixa Geral de Depósitos SA"->"maksājumu autorizācijas dokumenta kopija attiecībā uz strīdīgajiem tiešā debeta maksājumiem"[dir=none];
    
}