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Document 62018CA0779
Case C-779/18: Judgment of the Court (First Chamber) of 26 March 2020 (request for a preliminary ruling from the Sąd Rejonowy w Siemianowicach Śląskich — Poland) — Mikrokasa S.A. and Revenue Niestandaryzowany Sekurytyzacyjny Fundusz Inwestycyjny Zamknięty v XO (Reference for a preliminary ruling — Consumer protection — Credit agreements for consumers — Directive 2008/48/EC — Article 3(g), Article 10(2) and Article 22(1) — Level of harmonisation — Concept of ‘non-interest credit costs’ — Directive 93/13/EEC — Article 1(2) — Unfair terms in consumer contracts — Ceiling value for the total non-interest credit costs — Contractual terms reflecting mandatory statutory or regulatory provisions — Not included)
Case C-779/18: Judgment of the Court (First Chamber) of 26 March 2020 (request for a preliminary ruling from the Sąd Rejonowy w Siemianowicach Śląskich — Poland) — Mikrokasa S.A. and Revenue Niestandaryzowany Sekurytyzacyjny Fundusz Inwestycyjny Zamknięty v XO (Reference for a preliminary ruling — Consumer protection — Credit agreements for consumers — Directive 2008/48/EC — Article 3(g), Article 10(2) and Article 22(1) — Level of harmonisation — Concept of ‘non-interest credit costs’ — Directive 93/13/EEC — Article 1(2) — Unfair terms in consumer contracts — Ceiling value for the total non-interest credit costs — Contractual terms reflecting mandatory statutory or regulatory provisions — Not included)
Case C-779/18: Judgment of the Court (First Chamber) of 26 March 2020 (request for a preliminary ruling from the Sąd Rejonowy w Siemianowicach Śląskich — Poland) — Mikrokasa S.A. and Revenue Niestandaryzowany Sekurytyzacyjny Fundusz Inwestycyjny Zamknięty v XO (Reference for a preliminary ruling — Consumer protection — Credit agreements for consumers — Directive 2008/48/EC — Article 3(g), Article 10(2) and Article 22(1) — Level of harmonisation — Concept of ‘non-interest credit costs’ — Directive 93/13/EEC — Article 1(2) — Unfair terms in consumer contracts — Ceiling value for the total non-interest credit costs — Contractual terms reflecting mandatory statutory or regulatory provisions — Not included)
IO C 215, 29.6.2020, p. 15–15
(BG, ES, CS, DA, DE, ET, EL, EN, FR, HR, IT, LV, LT, HU, MT, NL, PL, PT, RO, SK, SL, FI, SV)
- Date of document:
- 26/03/2020
- Date lodged:
- 12/12/2018
- Author:
- An Chúirt Bhreithiúnais
- Form:
- Faisnéis bhreithiúnach
- Authentic language:
- Polainnis
- Type of procedure:
- Tarchur le haghaidh réamhrialú
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- Case affecting:
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- Related EU case-law document 62018CJ0779
- Instruments cited in case law:
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- EUROVOC descriptor:
|
29.6.2020 |
EN |
Official Journal of the European Union |
C 215/15 |
Judgment of the Court (First Chamber) of 26 March 2020 (request for a preliminary ruling from the Sąd Rejonowy w Siemianowicach Śląskich — Poland) — Mikrokasa S.A. and Revenue Niestandaryzowany Sekurytyzacyjny Fundusz Inwestycyjny Zamknięty v XO
(Case C-779/18) (1)
(Reference for a preliminary ruling - Consumer protection - Credit agreements for consumers - Directive 2008/48/EC - Article 3(g), Article 10(2) and Article 22(1) - Level of harmonisation - Concept of ‘non-interest credit costs’ - Directive 93/13/EEC - Article 1(2) - Unfair terms in consumer contracts - Ceiling value for the total non-interest credit costs - Contractual terms reflecting mandatory statutory or regulatory provisions - Not included)
(2020/C 215/17)
Language of the case: Polish
Referring court
Sąd Rejonowy w Siemianowicach Śląskich
Parties to the main proceedings
Applicants: Mikrokasa S.A. and Revenue Niestandaryzowany Sekurytyzacyjny Fundusz Inwestycyjny Zamknięty
Defendant: XO
Operative part of the judgment
|
1. |
Article 3(g), Article 10(2) and Article 22(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 must be interpreted as not precluding a provision of national legislation which lays down a calculation method regarding the maximum amount of non-interest credit costs that may be imposed on the consumer, provided that that provision does not introduce additional information obligations regarding those non-interest credit costs which go beyond those laid down in Article 10(2) of that directive. |
|
2. |
Article 1(2) of Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts must be interpreted as meaning that a contractual term which establishes non-interest credit costs in accordance with the ceiling value set by a provision of national legislation, without necessarily taking the costs actually incurred into account, does not fall outside the scope of that directive. |
