mizuumi1/LegalViz huggingface dataset:
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Hungarian

2013. március 4‑én RN 3359,14 euró összegű fogyasztói hitelmegállapodást kötött a Home Credittel. A szerződés megemlítette a havi törlesztőrészlet összegét (89,02 euró), a kamatlábat (19,62%) és a THM‑et (21,5% és 22, 4% között ingadozik). A szerződés arra is kitért, hogy a THM pontos értéke a hitelnek az RN részére történő folyósítása napjától függött, és a THM‑et ezen időpontot követően közlik.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"fogyasztói hitelmegállapodást 04/03/2013"[dir=none];
  "fogyasztói hitelmegállapodást 04/03/2013"->"RN"[dir=none];
  "fogyasztói hitelmegállapodást 04/03/2013"->"RN 3359,14 euró, havi törlesztőrészlet összegét (89,02 euró), a kamatlábat (19,62%) és a THM‑et (21,5% és 22, 4% között ingadozik)"[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Maltese

Fl-4 ta’ Marzu 2013, RN u Home Credit ikkonkludew ftehim ta’ kreditu għall-konsum ta’ ammont ta’ EUR 3 359.14. Il-kuntratt kien isemmi l-ammont tal-pagamenti mensili (EUR 89.02), ir-rata ta’ interessi (19.62 %) u r-RIPS (li tinsab bejn 21.5 % u 22.4 %). Il-kuntratt kien jippreċiża wkoll li r-RIPS kienet tiddependi fuq id-data li fiha l-fondi jitpoġġew għad-dispożizzjoni ta’ RN u li kien ser jiġi kkomunikat lilha wara din id-data.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"ftehim ta’ kreditu għall-konsum 04/03/2013"[dir=none];
  "ftehim ta’ kreditu għall-konsum 04/03/2013"->"RN"[dir=none];
  "ftehim ta’ kreditu għall-konsum 04/03/2013"->"ammont ta’ EUR 3 359.14, ammont tal-pagamenti mensili (EUR 89.02), rata ta’ interessi (19.62 %) u r-RIPS (li tinsab bejn 21.5 % u 22.4 %)"[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Dutch

Op 4 maart 2013 hebben RN en Home Credit een consumentenkredietovereenkomst ten bedrage van 3359,14 EUR gesloten. De overeenkomst vermeldde het bedrag van de maandelijkse aflossingen (89,02 EUR), de rentevoet (19,62 %) en het JKP (tussen 21,5 % en 22,4 %). In de overeenkomst werd eveneens gepreciseerd dat het JKP afhing van de datum waarop de gelden ter beschikking van RN werden gesteld, en dat het na die datum zou worden meegedeeld.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"consumentenkredietovereenkomst 04/03/2013"[dir=none];
  "consumentenkredietovereenkomst 04/03/2013"->"RN"[dir=none];
  "consumentenkredietovereenkomst 04/03/2013"->"3359,14 EUR, maandelijkse aflossingen (89,02 EUR), rentevoet (19,62 %) en het JKP (tussen 21,5 % en 22,4 %)"[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Polish

W dniu 4 marca 2013 r. RN i Home Credit zawarli umowę o kredyt konsumencki w wysokości 3359,14 EUR. W umowie wskazano wysokość rat miesięcznych (89,02 EUR), stopę oprocentowania (19,62%) i RRSO (wynoszącą między 21,5% a 22,4%). W umowie uściślono również, że RRSO zależy od dnia udostępnienia RN środków finansowych i że zostanie on poinformowany o RRSO po tym dniu.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"umowę o kredyt konsumencki 04/03/2013"[dir=none];
  "umowę o kredyt konsumencki 04/03/2013"->"RN"[dir=none];
  "umowę o kredyt konsumencki 04/03/2013"->"3359,14 EUR, rat miesięcznych (89,02 EUR), stopę oprocentowania (19,62%) i RRSO (między 21,5% a 22,4%)"[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Portuguese

Em 4 de março de 2013, RN e a Home Credit celebraram um contrato de crédito ao consumo no montante de 3359,14 euros. O contrato mencionava o montante das prestações mensais (89,02 euros), a taxa de juro (19,62 %) e a TAEG (entre 21,5 % e 22,4 %). O contrato precisava igualmente que a TAEG dependia da data em que os fundos seriam disponibilizados a RN e que lhe seria comunicada após essa data.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"contrato de crédito ao consumo 04/03/2013"[dir=none];
  "contrato de crédito ao consumo 04/03/2013"->"RN"[dir=none];
  "contrato de crédito ao consumo 04/03/2013"->"3359,14 euros, prestações mensais (89,02 euros), taxa de juro (19,62 %) e a TAEG (entre 21,5 % e 22,4 %)"[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Romanian

La 4 martie 2013, RN și Home Credit au încheiat un contract de credit de consum în cuantum de 3359,14 euro. Contractul menționa cuantumul ratelor (89,02 euro), rata dobânzii (19,62 %) și DAE (situată între 21,5 % și 22,4 %). Contractul preciza de asemenea că DAE depinde de data la care fondurile vor fi puse la dispoziția lui RN și că aceasta îi va fi comunicată ulterior acestei date.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"contract de credit de consum 04/03/2013"[dir=none];
  "contract de credit de consum 04/03/2013"->"RN"[dir=none];
  "contract de credit de consum 04/03/2013"->"3359,14 euro, cuantumul ratelor (89,02 euro), rata dobânzii (19,62 %) și DAE (situată între 21,5 % și 22,4 %)"[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Slovak

Dňa 4. marca 2013 uzavreli RN a Home Credit zmluvu o spotrebiteľskom úvere vo výške 3359,14 eura. Táto zmluva uvádzala výšku splátky (89,02 eura), úrokovú sadzbu (19,62 %) a RPMN (od 21,5 % do 22,4 %). Zmluva tiež spresňovala, že RPMN závisí od dátumu poskytnutia peňažných prostriedkov RN a že mu bude oznámená po tomto dátume.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"zmluvu o spotrebiteľskom úvere 04/03/2013"[dir=none];
  "zmluvu o spotrebiteľskom úvere 04/03/2013"->"RN"[dir=none];
  "zmluvu o spotrebiteľskom úvere 04/03/2013"->"3359,14 eura, výšku splátky (89,02 eura), úrokovú sadzbu (19,62 %) a RPMN (od 21,5 % do 22,4 %)"[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Slovenian

Oseba RN in družba Home Credit sta 4. marca 2013 sklenili potrošniško kreditno pogodbo v višini 3359,14 EUR. V pogodbi je bil naveden znesek mesečnega obroka (89,02 EUR), obrestna mera (19,62 %) in EOM (od 21,5 % do 22,4 %). V pogodbi je bilo tudi navedeno, da je EOM odvisna od datuma, ko bo kredit osebi RN odobren, in da bo oseba RN o EOM obveščena po tem datumu.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"potrošniško kreditno pogodbo 04/03/2013"[dir=none];
  "potrošniško kreditno pogodbo 04/03/2013"->"RN"[dir=none];
  "potrošniško kreditno pogodbo 04/03/2013"->"3359,14 EUR, mesečnega obroka (89,02 EUR), obrestna mera (19,62 %) in EOM (od 21,5 % do 22,4 %)"[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Finnish

RN ja Home Credit tekivät 4.3.2013 suuruudeltaan 3359,14 euron kulutusluottosopimuksen. Sopimuksessa mainittiin maksettava kuukausierä (89,02 euroa), korko (19,62 %) ja todellinen vuosikorko (21,5–22,4 %). Sopimuksessa täsmennettiin myös, että todellinen vuosikorko riippuu siitä päivämäärästä, jona rahavarat asetetaan RN:n käyttöön, ja se ilmoitetaan hänelle tämän päivän jälkeen.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"kulutusluottosopimuksen 04/03/2013"[dir=none];
  "kulutusluottosopimuksen 04/03/2013"->"RN"[dir=none];
  "kulutusluottosopimuksen 04/03/2013"->"3359,14 euron, kuukausierä (89,02 euroa), korko (19,62 %) ja todellinen vuosikorko (21,5–22,4 %)"[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Swedish

Den 4 mars 2013 ingick RN och Home Credit ett konsumentkreditavtal avseende ett belopp på 3359,14 euro. I avtalet angavs månadsbetalningarna (89,02 euro), räntenivån (19,62 procent) och den effektiva räntan (mellan 21,5 procent och 22,4 procent). I avtalet angavs även att den effektiva räntan var beroende av vid vilken tidpunkt medlen skulle ställas till RN:s förfogande, vilket skulle meddelas efter detta datum.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"konsumentkreditavtal 04/03/2013"[dir=none];
  "konsumentkreditavtal 04/03/2013"->"RN"[dir=none];
  "konsumentkreditavtal 04/03/2013"->"3359,14 euro, månadsbetalningarna (89,02 euro), räntenivån (19,62 procent) och den effektiva räntan (mellan 21,5 procent och 22,4 procent)"[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: English

         

On 2 July 2017, Home Credit informed RN that he had repaid the loan in full, namely the sum of EUR 5 291.24.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
   "Home Credit"[shape=doubleoctagon];
   "RN"[shape=doubleoctagon];

   "Home Credit"->"Inform 02/07/2017";
   "Inform 02/07/2017"->"RN";
   "Inform 02/07/2017"->"Repaid loan in full EUR 5 291.24."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Bulgarian

На 2 юли 2017 г. Home Credit уведомява RN, че последният е погасил изцяло кредита си, т.е. сумата от 5291,24 EUR.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"На 2 юли 2017 г. Home Credit уведомява RN";
  "На 2 юли 2017 г. Home Credit уведомява RN"->"RN";
  "На 2 юли 2017 г. Home Credit уведомява RN"->"погасил изцяло кредита си, т.е. сумата от 5291,24 EUR.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Spanish

El 2 de julio de 2017, Home Credit informó a RN de que este había devuelto el préstamo en su totalidad, a saber, la cantidad de 5291,24 euros.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"El 2 de julio de 2017, Home Credit informó a RN";
  "El 2 de julio de 2017, Home Credit informó a RN"->"RN";
  "El 2 de julio de 2017, Home Credit informó a RN"->"había devuelto el préstamo en su totalidad, a saber, la cantidad de 5291,24 euros.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Czech

Dne 2. července 2017 informovala Home Credit RN, že úvěr splatil v plném rozsahu, tedy ve výši 5291,24 eura.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"Dne 2. července 2017 informovala Home Credit RN";
  "Dne 2. července 2017 informovala Home Credit RN"->"RN";
  "Dne 2. července 2017 informovala Home Credit RN"->"úvěr splatil v plném rozsahu, tedy ve výši 5291,24 eura.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Danish

Den 2. juli 2017 bekræftede Home Credit over for RN, at denne forbruger havde tilbagebetalt lånet fuldt ud, dvs. et beløb på 5291,24 EUR.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"Den 2. juli 2017";
  "Den 2. juli 2017"->"RN";
  "Den 2. juli 2017"->"forbruger havde tilbagebetalt lånet fuldt ud, dvs. et beløb på 5291,24 EUR.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: German

Am 2. Juli 2017 teilte Home Credit RN mit, dass er das Darlehen vollständig, d. h. in Höhe von 5291,24 Euro, zurückgezahlt habe.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"Am 2. Juli 2017 teilte Home Credit RN mit";
  "Am 2. Juli 2017 teilte Home Credit RN mit"->"RN";
  "Am 2. Juli 2017 teilte Home Credit RN mit"->"das Darlehen vollständig, d. h. in Höhe von 5291,24 Euro, zurückgezahlt habe.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Estonian

2. juulil 2017 teatas Home Credit RN-le, et viimane on krediidi täielikult tagastanud, ja seda summas 5291,24 eurot.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"2. juulil 2017 teatas Home Credit RN-le";
  "2. juulil 2017 teatas Home Credit RN-le"->"RN";
  "2. juulil 2017 teatas Home Credit RN-le"->"krediidi täielikult tagastanud, ja seda summas 5291,24 eurot."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Greek

Στις 2 Ιουλίου 2017 η Home Credit ενημέρωσε τον RN ότι αυτός είχε αποπληρώσει το σύνολο του δανείου, ήτοι είχε καταβάλει το ποσό των 5291,24 ευρώ.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"Στις 2 Ιουλίου 2017 η Home Credit ενημέρωσε";
  "Στις 2 Ιουλίου 2017 η Home Credit ενημέρωσε"->"RN";
  "Στις 2 Ιουλίου 2017 η Home Credit ενημέρωσε"->"αποπληρώσει το σύνολο του δανείου, ήτοι είχε καταβάλει το ποσό των 5291,24 ευρώ."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: French

Le 2 juillet 2017, Home Credit a informé RN que ce dernier avait remboursé le prêt dans son intégralité, à savoir la somme de 5291,24 euros.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"Le 2 juillet 2017, Home Credit a informé RN";
  "Le 2 juillet 2017, Home Credit a informé RN"->"RN";
  "Le 2 juillet 2017, Home Credit a informé RN"->"avait remboursé le prêt dans son intégralité, à savoir la somme de 5291,24 euros.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Croatian

Društvo Home Credit 2. srpnja 2017. obavijestilo je osobu RN da je otplatila kredit u cijelosti, to jest iznos od 5291,24 eura.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"2. srpnja 2017. obavijestilo";
  "2. srpnja 2017. obavijestilo"->"RN";
  "2. srpnja 2017. obavijestilo"->"otplatila kredit u cijelosti, to jest iznos od 5291,24 eura.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Italian

Il 2 luglio 2017, la Home Credit ha informato RN del fatto che quest’ultimo aveva rimborsato integralmente il prestito, vale a dire l’importo di EUR 5291,24.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"Il 2 luglio 2017, la Home Credit ha informato RN del fatto";
  "Il 2 luglio 2017, la Home Credit ha informato RN del fatto"->"RN";
  "Il 2 luglio 2017, la Home Credit ha informato RN del fatto"->"aveva rimborsato integralmente il prestito, vale a dire l’importo di EUR 5291,24.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Latvian

Home Credit2017. gada 2. jūlijā informēja RN, ka viņš ir pilnā apmērā atmaksājis aizdevumu, proti, 5291,24 EUR.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"2017. gada 2. jūlijā informēja";
  "2017. gada 2. jūlijā informēja"->"RN";
  "2017. gada 2. jūlijā informēja"->"viņš ir pilnā apmērā atmaksājis aizdevumu, proti, 5291,24 EUR.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Lithuanian

2017 m. liepos 2 d.Home Credit informavo RN, kad jis grąžino visą paskolą, t. y. 5291,24 EUR sumą.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"2017 m. liepos 2 d. Home Credit informavo RN, kad jis grąžino visą paskolą";
  "2017 m. liepos 2 d. Home Credit informavo RN, kad jis grąžino visą paskolą"->"RN";
  "2017 m. liepos 2 d. Home Credit informavo RN, kad jis grąžino visą paskolą"->"jis grąžino visą paskolą, t. y. 5291,24 EUR sumą."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Hungarian

2017. július 2‑án a Home Credit tájékoztatta RN‑t, hogy teljes egészében törlesztette a kölcsönt, azaz 5291,24 euró összeget.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"2017. július 2‑án a Home Credit tájékoztatta";
  "2017. július 2‑án a Home Credit tájékoztatta"->"RN";
  "2017. július 2‑án a Home Credit tájékoztatta"->"teljes egészében törlesztette a kölcsönt, azaz 5291,24 euró összeget.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Maltese

Fit-2 ta’ Lulju 2017, Home Credit informa lil RN li dan tal-aħħar kien irrimborsa s-self kollu kemm hu, jiġifieri s-somma ta’ EUR 5 291.24.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"Fit-2 ta’ Lulju 2017, Home Credit informa";
  "Fit-2 ta’ Lulju 2017, Home Credit informa"->"RN";
  "Fit-2 ta’ Lulju 2017, Home Credit informa"->"irrimborsa s-self kollu kemm hu, jiġifieri s-somma ta’ EUR 5 291.24.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Dutch

Op 2 juli 2017 heeft Home Credit aan RN meegedeeld dat deze laatste de volledige lening, namelijk 5291,24 EUR, had terugbetaald.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"Op 2 juli 2017 heeft Home Credit aan RN meegedeeld";
  "Op 2 juli 2017 heeft Home Credit aan RN meegedeeld"->"RN";
  "Op 2 juli 2017 heeft Home Credit aan RN meegedeeld"->"de volledige lening, namelijk 5291,24 EUR, had terugbetaald.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Polish

W dniu 2 lipca 2017 r. Home Credit poinformowała RN, że spłacił on kredyt w całości, czyli kwotę 5291,24 EUR.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"W dniu 2 lipca 2017 r. Home Credit poinformowała RN";
  "W dniu 2 lipca 2017 r. Home Credit poinformowała RN"->"RN";
  "W dniu 2 lipca 2017 r. Home Credit poinformowała RN"->"spłacił on kredyt w całości, czyli kwotę 5291,24 EUR.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Portuguese

Em 2 de julho de 2017, a Home Credit informou RN de que este último tinha reembolsado o empréstimo na sua totalidade, ou seja, o montante de 5291,24 euros.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"Em 2 de julho de 2017";
  "Em 2 de julho de 2017"->"RN";
  "Em 2 de julho de 2017"->"tinha reembolsado o empréstimo na sua totalidade, ou seja, o montante de 5291,24 euros.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Romanian

La 2 iulie 2017, Home Credit l‑a informat pe RN că a rambursat integral creditul, și anume suma de 5291,24 euro.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"La 2 iulie 2017, Home Credit l‑a informat pe RN că a rambursat integral creditul";
  "La 2 iulie 2017, Home Credit l‑a informat pe RN că a rambursat integral creditul"->"RN";
  "La 2 iulie 2017, Home Credit l‑a informat pe RN că a rambursat integral creditul"->"a rambursat integral creditul, și anume suma de 5291,24 euro.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Slovak

Dňa 2. júla 2017 Home Credit informovala RN, že úver splatil v celom rozsahu, t. j. vo výške 5291,24 €.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"Dňa 2. júla 2017 Home Credit informovala RN";
  "Dňa 2. júla 2017 Home Credit informovala RN"->"RN";
  "Dňa 2. júla 2017 Home Credit informovala RN"->"úver splatil v celom rozsahu, t. j. vo výške 5291,24 €.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Slovenian

Družba Home Credit je 2. julija 2017 osebo RN obvestila, da je ta v celoti poplačala kredit, in sicer v znesku 5291,24 EUR.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"2. julija 2017";
  "2. julija 2017"->"RN";
  "2. julija 2017"->"ta v celoti poplačala kredit, in sicer v znesku 5291,24 EUR.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Finnish

Home Credit ilmoitti 2.7.2017 RN:lle, että tämä oli maksanut luoton kokonaisuudessaan takaisin, eli 5291,24 euroa.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"ilmoitti 2.7.2017";
  "ilmoitti 2.7.2017"->"RN";
  "ilmoitti 2.7.2017"->"tämä oli maksanut luoton kokonaisuudessaan takaisin, eli 5291,24 euroa.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Swedish

Den 2 juli 2017 underrättades RN av Home Credit om att denne hade återbetalat lånet i sin helhet, det vill säga 5291,24 euro.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "Home Credit"->"Den 2 juli 2017 underrättades RN av Home Credit";
  "Den 2 juli 2017 underrättades RN av Home Credit"->"RN";
  "Den 2 juli 2017 underrättades RN av Home Credit"->"hade återbetalat lånet i sin helhet, det vill säga 5291,24 euro.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: English

However, RN brought an action against Home Credit for repayment of sums paid but not due, on the ground that the credit should have been considered to be free of interest and charges, since the APRC had been set in the contract not as a single rate, but as a range referring to a minimum and a maximum rate. Thus, taking the view that he should have been obliged to pay only the capital part of the loan, namely EUR 3 359.14, RN requested repayment, on the ground of unjust enrichment, of the sum of EUR 1 932.10.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
   "Home Credit"[shape=doubleoctagon];
   "RN"[shape=doubleoctagon];

   "RN"->"Claim";
   "Claim"->"Home Credit";
   "Claim"->"The credit should have been considered to be free of interest and charges, since the APRC had been set in the contract not as a single rate."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Bulgarian

RN обаче предявява срещу Home Credit иск за неоснователно обогатяване, по съображение че кредитът трябвало да се счита за кредит без лихви и разноски, защото ГПР бил определен в договора не с единна ставка, а в диапазон между минимална и максимална ставка. Ето защо, като смята, че трябва да изплати само главницата по кредита, т.е. 3359,14 EUR, RN иска да му бъде върната, поради неоснователно обогатяване, сумата от 1932,10 EUR.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "RN"->"RN обаче предявява срещу Home Credit иск за неоснователно обогатяване";
  "RN обаче предявява срещу Home Credit иск за неоснователно обогатяване"->"Home Credit";
  "RN обаче предявява срещу Home Credit иск за неоснователно обогатяване"->"кредитът трябвало да се счита за кредит без лихви и разноски, защото ГПР бил определен в договора не с единна ставка."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Spanish

No obstante, RN ejercitó una acción de devolución de lo indebido contra Home Credit porque el crédito habría tenido que considerarse sin intereses ni gastos, dado que la TAE se había fijado en el contrato no mediante un tipo único, sino mediante una horquilla con un tipo mínimo y un tipo máximo. Así, al considerar que solo debía pagar el importe del capital del préstamo, a saber, 3359,14 euros, RN solicitó la devolución, por enriquecimiento sin causa, de la cantidad de 1932,10 euros.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "RN"->"RN ejercitó una acción de devolución de lo indebido contra Home Credit";
  "RN ejercitó una acción de devolución de lo indebido contra Home Credit"->"Home Credit";
  "RN ejercitó una acción de devolución de lo indebido contra Home Credit"->"el crédito habría tenido que considerarse sin intereses ni gastos, dado que la TAE se había fijado en el contrato no mediante un tipo único."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Czech

RN však podal proti Home Credit žalobu na vydání bezdůvodného obohacení, neboť úvěr měl být považován za bezúročný a bez poplatků, jelikož RPSN nebyla ve smlouvě stanovena jako jedna sazba, ale jako rozpětí mezi minimální a maximální výší sazby. RN měl za to, že musí splatit pouze jistinu úvěru ve výši 3359,14 eura, a proto se z titulu bezdůvodného obohacení domáhal vrácení částky 1932,10 eura.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "RN"->"žalobu na vydání bezdůvodného obohacení";
  "žalobu na vydání bezdůvodného obohacení"->"Home Credit";
  "žalobu na vydání bezdůvodného obohacení"->"Úvěr měl být považován za bezúročný a bez poplatků, jelikož RPSN nebyla ve smlouvě stanovena jako jedna sazba.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Danish

RN anlagde dog sag mod Home Credit med påstand om tilbagebetaling af et uretmæssigt betalt beløb med henvisning til, at kreditten burde have været anset for rente- og omkostningsfri, eftersom ÅOP ikke var blevet fastsat i aftalen ved en enhedssats, men ved et interval, der henviste til en minimumssats og en maksimumssats. Idet RN fandt, at denne alene skulle betale lånekapitalen, dvs. 3359,14 EUR, nedlagde denne forbruger således påstand om tilbagebetaling af et beløb på 1932,10 EUR som følge af uberettiget berigelse.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "RN"->"påstand";
  "påstand"->"Home Credit";
  "påstand"->"kreditten burde have været anset for rente- og omkostningsfri, eftersom ÅOP ikke var blevet fastsat i aftalen ved en enhedssats."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: German

RN erhob jedoch Klage auf Herausgabe wegen ungerechtfertigter Bereicherung gegen Home Credit mit der Begründung, dass der Kredit als zins- und kostenfrei hätte angesehen werden müssen, da der effektive Jahreszins im Vertrag nicht durch einen einheitlichen Satz, sondern durch eine Marge zwischen einem Mindestsatz und einem Höchstsatz festgesetzt worden sei. RN vertrat die Ansicht, dass er nur den Darlehensbetrag, d. h. 3359,14 Euro, hätte zahlen müssen, und forderte daher die Rückzahlung des Betrags von 1932,10 Euro aus ungerechtfertigter Bereicherung.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "RN"->"Klage auf Herausgabe wegen ungerechtfertigter Bereicherung";
  "Klage auf Herausgabe wegen ungerechtfertigter Bereicherung"->"Home Credit";
  "Klage auf Herausgabe wegen ungerechtfertigter Bereicherung"->"dass der Kredit als zins- und kostenfrei hätte angesehen werden müssen, da der effektive Jahreszins im Vertrag nicht durch einen einheitlichen Satz festgesetzt worden sei.."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Estonian

RN esitas siiski alusetu rikastumise hagi Home Crediti vastu, kuna krediiti tulnuks pidada intressi- ja kuluvabaks, sest krediidi kulukuse aastamäär ei olnud lepingus kehtestatud mitte ühtse määrana, vaid vahemikuna, mis viitas nii miinimum- kui maksimummäärale. Leides niisiis, et ta pidi maksma üksnes krediidi põhisumma, st 3359,14 eurot, nõudis RN, et talle tagastataks alusetu rikastumise alusel saadud 1932,10 eurot.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "RN"->"alusetu rikastumise hagi";
  "alusetu rikastumise hagi"->"Home Credit";
  "alusetu rikastumise hagi"->"krediiti tulnuks pidada intressi- ja kuluvabaks, sest krediidi kulukuse aastamäär ei olnud lepingus kehtestatud mitte ühtse määrana."[dir=none];
}
Judgment of the Court (Sixth Chamber) of 19 December 2019.
RN v Home Credit Slovakia a.s.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%.
Case C-290/19. (2019)
Language: Greek

Εντούτοις, ο RN άσκησε κατά της Home Credit αγωγή για την απόδοση των αχρεωστήτως καταβληθέντων, λόγω του ότι το δάνειο θα έπρεπε να θεωρηθεί άτοκο και μη συνεπαγόμενο έξοδα, δεδομένου ότι το ΣΕΠΕ είχε καθοριστεί στη σύμβαση όχι με έναν συγκεκριμένο συντελεστή, αλλά με εύρος συντελεστή το οποίο παραπέμπει σε κατώτατο και ανώτατο επιτόκιο. Ως εκ τούτου, ο RN, εκτιμώντας ότι όφειλε να καταβάλει μόνον το ποσό που αντιστοιχούσε στο κεφάλαιο του δανείου, ήτοι 3359,14 ευρώ, ζήτησε την επιστροφή του ποσού των 1932,10 ευρώ λόγω αδικαιολόγητου πλουτισμού.

Legal relationship diagram (Graphviz):
digraph {
    rankdir=LR;
    node [shape=box];
    
  "Home Credit"[shape=doubleoctagon];
  "RN"[shape=doubleoctagon];

  "RN"->"αγωγή";
  "αγωγή"->"Home Credit";
  "αγωγή"->"το δάνειο θα έπρεπε να θεωρηθεί άτοκο και μη συνεπαγόμενο έξοδα, δεδομένου ότι το ΣΕΠΕ είχε καθοριστεί στη σύμβαση όχι με έναν συγκεκριμένο συντελεστή."[dir=none];
}