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Judgment of the Court (Third Chamber) of 11 January 2024.
Nárokuj s.r.o. v EC Financial Services, a.s.
Request for a preliminary ruling from the Okresní soud Praha-západ.
Reference for a preliminary ruling – Consumer protection – Directive 2008/48/EC – Credit agreements for consumers – Article 8 – Obligation of a creditor to check a consumer’s creditworthiness – Regularisation of a breach due to full performance of the credit agreement – Article 23 – Effective, proportionate and dissuasive penalties – Credit agreement void and creditor’s entitlement to payment of the agreed interest forfeited – No harmful consequences for the consumer – Holding creditors accountable and preventing irresponsible practices when granting credit to consumers.
Case C-755/22.
ECLI identifier: ECLI:EU:C:2024:10
- CELEX number:
- 62022CJ0755
- Form:
- Judgment
- Author:
- Court of Justice
- Date of document:
- 11/01/2024
Judgment of the Court (First Chamber) of 6 June 2019.
Michel Schyns v Belfius Banque SA.
Request for a preliminary ruling from the Justice de Paix du canton de Visé.
Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Pre-contractual obligations — Article 5(6) — Obligation on the creditor to seek to establish the credit most suitable — Article 8(1) — Obligation on the creditor to refrain from concluding the loan agreement if there are doubts over the creditworthiness of the consumer — Obligation on the creditor to assess the expediency of the credit.
Case C-58/18.
ECLI identifier: ECLI:EU:C:2019:467
- CELEX number:
- 62018CJ0058
- Form:
- Judgment
- Author:
- Court of Justice
- Date of document:
- 06/06/2019
Judgment of the Court (Third Chamber) of 8 December 2016.
Verein für Konsumenteninformation v INKO, Inkasso GmbH.
Request for a preliminary ruling from the Oberster Gerichtshof.
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.
Case C-127/15.
ECLI identifier: ECLI:EU:C:2016:934
- CELEX number:
- 62015CJ0127
- Form:
- Judgment
- Author:
- Court of Justice
- Date of document:
- 08/12/2016
Judgment of the Court (Fourth Chamber), 18 December 2014.
CA Consumer Finance SA v Ingrid Bakkaus and Others.
Request for a preliminary ruling from the Tribunal d’instance d’Orléans.
Reference for a preliminary ruling — Consumer protection — Consumer credit — Directive 2008/48/EC — Pre-contractual information duties — Obligation to check the borrower’s creditworthiness — Burden of proof — Methods of proof.
Case C‑449/13.
ECLI identifier: ECLI:EU:C:2014:2464
- CELEX number:
- 62013CJ0449
- Form:
- Judgment
- Author:
- Court of Justice
- Date of document:
- 18/12/2014
Domain: All, Case-Law directory code (new), 4th level: Pre-contractual rights and obligations, Search language: English