Case C‑326/22

Z. sp. z o.o.

v

A. S.A.

(Request for a preliminary ruling
from the Sąd Rejonowy dla m.st. Warszawy w Warszawie)

Judgment of the Court (Tenth Chamber) of 12 October 2023

(Reference for a preliminary ruling – Consumer protection – Credit agreements for consumers – Directive 2008/48/EC – Article 16(1) – Contractual rights and obligations – Early repayment – Reduction in the total cost of the credit for consumers – Loss of a copy of the agreement – Right to obtain a duplicate of the agreement from the creditor)

1. Consumer protection – Credit agreements for consumers – Directive 2008/48 – Scope – Agreement which has been repaid early – Claims corresponding to the amounts owed by the creditor following early repayment which have been transferred to an undertaking – Included

   (European Parliament and Council Directive 2008/48, Arts 2(1) and 3(a))

   (see paragraph 18)

2. Consumer protection – Directive 2008/48 – Credit agreements for consumers – Contractual rights and obligations – Early repayment – Right to a reduction in the total cost of the credit, consisting of the interest and the costs for the remaining duration of the agreement – Obligation of the creditor to provide the consumer with a copy of the agreement and information relating to early repayment – Scope

   (European Parliament and Council Directive 2008/48, Arts 3(m), 10 and 16(1))

   (see paragraphs 26, 27, 29-36, operative part)

See the text of the decision.