# Lexitor (C-383/18) — consumer credit, reduction in the total cost of credit on early repayment (consumer finance) URL: https://consilena.com/coverage/laws/ksrc_2fk145j2m3qkkfb3 - Jurisdiction: European Union - Type: Case - Identifier: EU:C:2019:702 - Current as of: 11 September 2019 - Provisions: 1 - Official text: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:62018CJ0383 > The library is a research copy. Check the official source before relying on a provision: the text published there, not the copy in Consilena, is the law. ## Provisions ### ["JUDGMENT OF THE COURT (First Chamber)", "Lexitor sp. z o.o. v Spółdzielcza Kasa Oszczędnościowo — Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A., mBank S.A.", "11 September 2019 ( *1 )"] - **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’). --- Consilena is a software provider, not a law firm. AI output is not legal advice: consult a licensed lawyer in the relevant jurisdiction. Page: https://consilena.com/coverage/laws/ksrc_2fk145j2m3qkkfb3. Index of every page: https://consilena.com/llms.txt.