Showing posts with label consumer credit. Show all posts
Showing posts with label consumer credit. Show all posts
Tuesday, 14 April 2026

Early repayment and reduction in the total cost of mortgage loans C-76/22

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Another interesting case tackled by the CJEU was C-76/22 QI v Santander Bank Polska S.A ., focusing on Directive 2014/17/EC on Mortgage Cred...

General information and a representative example in (mortgage) loan contracts C-85/24

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The CJEU was given the opportunity to interpret Directive 2014/17/EU on Mortgage Credit (MCD) in C-85/24 Verein für Konsumenteninformation ...
Wednesday, 19 November 2025

The right of withdrawal, linked agreements and vehicle purchase contracts- the CJEU in C-143/23

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On the 30th of October 2025, the CJEU delivered a judgment in the joined cases of consumers KI and FA against Mercedes-Benz Bank AG and Volk...
Friday, 7 November 2025

On the assignability of consumer claims under credit contracts: CJEU in Zwrotybankowe.pl (C‑80/24)

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As consumer law remains under-enforced, it becomes all too common for consumers to assign their claims to third-party claim management compa...
Monday, 30 June 2025

On the Transparency Requirements of Arrangement Fees – CJEU in Justa v Banco Bilbao Vizcaya Argentaria SA (Case C-39/24)

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Consolidating Caixabank SA ( C‑224/19 ) and CaixaBank SA ( C‑565/21 ) in Case C-39/2024 of 30 April 2025, the Court of Justice (CJEU) rul...
Monday, 12 May 2025

Reaffirming Established Case Law, Withholding Guidance? – CJEU in APS Beta Bulgaria (Case C-337/23)

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Foto von Linus Nilsson auf Unsplash The recent ruling in APS Beta Bulgaria (C-337/23) provides another example of the Court of Justice rea...
Tuesday, 4 March 2025

Credit reference agencies, consumer profiling and the GDPR: the CJEU in C-203/22

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On February 27, 2025, the CJEU delivered an important judgment on the interpretation of   Article 15(1)(h) and Article 22 of Regulation (EU)...
Friday, 21 February 2025

Sanctions for Not Providing Essential Information in Credit Contracts - CJEU in Lexitor II (Case C-472/23)

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Foto von  Towfiqu barbhuiya  auf  Unsplash The case  concerned a debt collection agency (Lexitor), acting as an assignee of the rights of a ...
Thursday, 28 November 2024

CJEU on Buy Now Pay Later (C-409/23): not consumer credit unless it is

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Not that fresh, still hot: last month, the CJEU issued a remarkable decision in  Case C-409/23 ( Arvato ) , a preliminary ruling request fro...
Friday, 26 July 2024

One size fits all? Average consumer in collective proceedings, CJEU in C‑450/22

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 Dear readers,  it is with genuine excitement (albeit with some delay) that I type out some thoughts in reaction to a very rich new decision...