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Home Credit Slovakia (Consumer Protection – Consumer Credit Agreements – Judgment): ECJ 19 Dec 2019

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% … Continue reading Home Credit Slovakia (Consumer Protection – Consumer Credit Agreements – Judgment): ECJ 19 Dec 2019

Verein Fur Konsumenteninformation v INKO, Inkasso GmbH: ECJ 8 Dec 2016

(Judgment) Reference for a preliminary ruling – Directive 2008/48/EC – Consumer protection – Consumer credit – Article 2(2)(j) – Rescheduling agreements – Deferred payment, free of charge – Article 3(f) – Credit intermediaries – Debt recovery companies acting on behalf of lenders ECLI:EU:C:2016:934, [2016] EUECJ C-127/15 Bailii Directive 2008/48/EC European Consumer Updated: 27 January 2022; … Continue reading Verein Fur Konsumenteninformation v INKO, Inkasso GmbH: ECJ 8 Dec 2016

Home Credit Slovakia: ECJ 9 Nov 2016

ECJ (Judgment) Reference for a preliminary ruling – Directive 2008/48/EC – Consumer protection – Consumer credit – Article 1, Article 3(m), Article 10(1) and (2), Article 22(1) and Article 23 – Interpretation of the expressions ‘on paper’ and ‘on another durable medium’ – Contract referring to another document – Requirement for the agreement to be … Continue reading Home Credit Slovakia: ECJ 9 Nov 2016

LCL Le Credit Lyonnais v Fesih Kalhan: ECJ 27 Mar 2014

lcl_kalhanECJ0314 ECJ Consumer protection – Credit agreements for consumers – Directive 2008/48/EC – Articles 8 and 23 – Creditor’s obligation to assess the borrower’s creditworthiness prior to conclusion of the agreement – National provision imposing the obligation to consult a database – Forfeiture of entitlement to contractual interest in the event of failure to comply … Continue reading LCL Le Credit Lyonnais v Fesih Kalhan: ECJ 27 Mar 2014

Radlinger and Radlingerova v Finway AS: ECJ 21 Apr 2016

Remedy for breach of consumer credit agreement ECJ (Judgment) Reference for a preliminary ruling – Directive 93/13/EEC – Article 7 – National rules governing insolvency proceedings – Debts arising from a consumer credit agreement – Effective judicial remedy – Point 1(e) of the annex – Disproportionate amount of compensation – Directive 2008/48/EC – Article 3(l) … Continue reading Radlinger and Radlingerova v Finway AS: ECJ 21 Apr 2016

Tudoran And Others v SC Suport Colect SRL: ECJ 3 Jul 2014

ECJ Preliminary ruling – Directives 93/13/EEC and 2008/48/EC – Application ratione temporis and ratione materiae – Acts Prior to the accession of Romania to the European Union – Charter of Fundamental Rights of the European Union – Implementation implementation of EU law – None – clearly lacking – Articles 49 TFEU and 56 TFEU – … Continue reading Tudoran And Others v SC Suport Colect SRL: ECJ 3 Jul 2014