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    Commission notice Guidance on the interpretation and application of Directive 2011/83/EU of the European Parliament and of the Council on consumer rights (Text with EEA relevance) 2021/C 525/01

    C/2021/9314

    CELEX number:
    52021XC1229(04)
    Form:
    Notice
    Author:
    European Commission, Directorate-General for Justice and Consumers
    Date of document:
    29/12/2021; Date of publication
    Number of pages:
    85

    Opinion of Advocate General Hogan delivered on 15 July 2021.
    UK and Others v Volkswagen Bank GmbH and Others.
    Requests for a preliminary ruling from the Landgericht Ravensburg.
    Reference for a preliminary ruling – Consumer protection – Directive 2008/48/EC – Consumer credit – Article 10(2) – Information which must be included in the agreement – Obligation to specify the type of credit, the duration of the credit agreement, the rate of late-payment interest and the arrangements for adjusting the rate of late-payment interest applicable at the time of conclusion of the credit agreement – Change in the rate of late-payment interest in step with a change in the base rate set by the central bank of a Member State – Compensation payable in the event of early repayment – Obligation to specify the method used to calculate the change in the rate of late-payment interest and the compensation payable – No obligation to state the options for terminating the credit agreement provided for in national legislation but not provided for in Directive 2008/48 – Article 14(1) – Right of withdrawal exercised by the consumer for failure to include mandatory information under Article 10(2) – Exercised out of time – Creditor precluded from relying on a time bar or abuse of rights.
    Joined Cases C-33/20, C-155/20 and C-187/20.

    ECLI identifier: ECLI:EU:C:2021:629

    CELEX number:
    62020CC0155
    Form:
    Opinion of the Advocate General
    Author:
    Court of Justice
    Date of document:
    15/07/2021
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    Documents mentioning: 62011CJ0049, Search language: English