Lexitor (C-383/18) — consumer credit, reduction in the total cost of credit on early repayment (consumer finance)

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) By its question, the referring court asks, in essence, whether Article 16(1) of Directive 2008/48 is to be interpreted as meaning that…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) The ustawa o kredycie konsumenckim (Law on consumer credit) of 12 May 2011 (Dziennik Ustaw No 126, item 715), in the version relevant…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) It should be added that including costs which are not dependent on the duration of the contract in the reduction in the total cost of…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) In those circumstances, the Sąd Rejonowy Lublin-Wschód w Lublinie z siedzibą w Świdniku (Lublin-Wschód District Court in Lublin, with…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Recitals 7, 9 and 39 of Directive 2008/48 state: ‘(7) In order to facilitate the emergence of a well-functioning internal market in…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Under Article 22 of that directive, entitled ‘Harmonisation and imperative nature of this Directive’: ‘1. Insofar as this Directive…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Lastly, it should be noted that, in the event of early repayment of the credit, the creditor is recovering the sum borrowed ahead of…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Since these proceedings are, for the parties to the main proceedings, a step in the action pending before the national court, the…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Pursuant to Article 49(1) of that Law, in the case of full repayment of the credit before the date indicated in the agreement, the…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) The three cases in the main proceedings, which have been joined by the referring court, arise from the conclusion of consumer credit…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Nevertheless, according to the settled case-law of the Court, it is necessary to interpret that provision not only by reference to its…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) After early repayment of their loans, the consumers assigned to Lexitor, a company governed by Polish law offering legal services to…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Concerning the context, it should be borne in mind that Article 8 of Directive 87/102, which was repealed and replaced by Directive…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) The referring court also requested that the case be dealt with under the expedited procedure, pursuant to Article 105(1) of the Rules…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) The defendants in the main proceedings have raised objections to the orders for payment issued by the referring court.

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) However, the effectiveness of the right of the consumer to a reduction in the total cost of the credit would be reduced if the…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) In that regard, as is apparent in particular from the request for a preliminary ruling and from the observations submitted by both the…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

Kredytowa im. Franciszka Stefczyka (‘SKOK’), Santander Consumer Bank S.A. (‘Santander Consumer Bank’) and mBank S.A. (‘mBank’) respectively concerning a…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) As the credit institutions did not accede to those requests, Lexitor brought three actions, on 8 January 2018, 29 December 2017 and 26…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) As regards the objective of Directive 2008/48, the Court has consistently held that that directive is intended to guarantee a high…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Subsequently, Lexitor, in its capacity as assignee of the claims, requested SKOK, Santander Consumer Bank, and mBank to reimburse part…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) In addition, as is emphasised by the referring court, limiting the possibility of reducing the total cost of the credit solely to…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) It is not possible to determine the exact extent of the reduction in the total cost of the credit provided for in Article 16(1) of…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Thus, it must be held that Article 16(1) of Directive 2008/48 gave concrete expression to the right of the consumer to a reduction in…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) In the light of all the foregoing considerations, the answer to the question referred for a preliminary ruling is that Article 16(1)…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Article 16 of that directive, entitled ‘Early repayment’, provides: ‘1. The consumer shall be entitled at any time to discharge fully…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) In order to guarantee that protection, Article 22(3) of Directive 2008/48 requires the Member States to ensure that the provisions…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Under Article 5(6) of that Law, the ‘total cost of the credit’ is defined as all the costs which the consumer is required to pay in…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Article 8 of Council Directive 87/102/EEC of 22 December 1986 on the approximation of the laws, regulations and administrative…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Furthermore, as was emphasised by the Advocate General in points 53 and 55 of his Opinion, the degree of flexibility available to…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Article 16(1) of Directive 2008/48, read in the light of recital 39 thereof, provides for the consumer to be entitled to repay the…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) As a preliminary point, it should be specified that the fact that the disputes in the main proceedings are only between sellers or…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) The referring court considers that that article must be interpreted as meaning that the reduction in the total cost of the credit…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) Under Article 3 of that directive: ‘For the purposes of this Directive, the following definitions shall apply: (a) “consumer” means a…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) So far as concerns the ‘total cost of the credit’, Article 3(g) of that directive defines it as all the costs, including interest…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) The referring court is uncertain whether, in a situation such as those at issue in the main proceedings, the right of the consumer to…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) This request for a preliminary ruling concerns the interpretation of Article 16(1) of Directive 2008/48/EC of the European Parliament…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) he can prove that the loss he suffered from early repayment exceeds the amount determined under paragraph 2. If the compensation…

Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"]

11 September 2019 ( *1 ) a la duración del contrato que quede por transcurrir’).