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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

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

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