Wed. Jan 22nd, 2025
Information in consumer credit agreements: EU Court Judgment in Case C-677/23 Slovenská sporiteľňa
23 January
Thursday 23rd January 2025
EU Court Judgment in Case C-677/23 Slovenská sporiteľňa (Information in consumer credit agreements)
(Consumer protection)
This case involves a dispute between consumers and a Slovak bank over alleged violations of consumer rights in a credit agreement. The consumers argue that the contract’s duration is unclear and lacks the assumptions for calculating the Annual Percentage Rate of Charge.
They claim these ambiguities violate EU Consumer Credit Directive 2008/48/EC, potentially entitling them to sanctions against the bank.
A district Court in Slovakia ruled that the contract’s duration could be inferred from the contract terms, however the appellate court referred the matter to the Court of Justice of the European Union (CJEU).
It expressed doubts about the interpretation of Directive 2008/48 as well as the relationship between Directive 2008/48 and the Directive on Unfair Commercial Practices. It decided to stay the proceedings and refer the matter to the CJEU for a preliminary ruling.
Donnerstag, 23. Januar 2025
Urteil des EU-Gerichtshofs in der Rechtssache C‑677/23 Slovenská sporiteľňa (Informationen in Verbraucherkreditverträgen)
Informationen über Laufzeit und effektiven Jahreszins in Verbraucherkreditverträgen
Zwei Verbraucher machen vor den slowakischen Gerichten geltend, dass der von ihnen bei einer Bank abgeschlossene Kreditvertrag gegen Verbraucherschutzvorschriften verstoße, da darin weder die Vertragslaufzeit noch die Annahmen angegeben seien, die in die Berechnung des effektiven Jahreszinses einflössen.
Das Regionalgericht Prešov ersucht den Gerichtshof in diesem Zusammenhang um Auslegung der Richtlinie 2008/48 über Verbraucherkreditverträge. Es möchte u.a. wissen, ob die Laufzeit des Kreditvertrags ausdrücklich genannt sein muss, etwa durch die Angabe des Datums des Abschlusses und der Beendigung des Vertrags (von … bis …). Außerdem möchte es wissen, ob die in die Berechnung des effektiven Jahreszinses einfließenden Annahmen im Vertrag ausdrücklich als solche bezeichnet werden müssen. Ohne Schlussanträge.
Die Urteilsverkündung auf unserer Website Curia live gestreamt.
Details
- Date:
- 23 January
- Event Categories:
- EU Court of Justice, EVENT, IEU AGENDA
- Event Tags:
- Case C-677/23, consumer credit agreements, Slovenská sporiteľňa
Venue
- EU Court of Justice
-
Palais de la Cour de Justice, Boulevard Konrad Adenauer, Kirchberg
Luxembourg, 2925 Luxembourg + Google Map - Phone
- +35243031
Organizer
- EU Court of Justice
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