Request for a preliminary ruling from the Sąd Rejonowy dla m.st. Warszawy w Warszawie (Poland) lodged on 13 May 2022 — Z. sp. z o.o. v A. S.A.

(Case C-326/22)

(2022/C 318/38)

Language of the case: Polish

Referring court

Sąd Rejonowy dla m.st. Warszawy w Warszawie

Parties to the main proceedings

Applicant: Z. sp. z o.o.

Defendant: A. S.A.

Question referred

In the context of the principle of the effectiveness of EU law, must Article 16(1) of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC (1) be understood as meaning that a consumer, or an undertaking to which a consumer has transferred his/her rights arising from that provision of the directive, may request, pursuant to it, that the creditor hand over a copy of the agreement (as well as the terms of business forming part of the agreement), and information on repayment of the credit which are necessary in order to verify the correctness of the calculation of the sums paid to the consumer as repayment of the proportion of the total cost of the credit in connection with the early repayment thereof and necessary in order to bring a claim for any repayment of the aforementioned amounts?

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(1)  OJ 2008 L 133, p. 66.