11.11.2019
EN
Official Journal of the European Union
C 383/28
Judgment of the Court (First Chamber) of 11 September 2019 (request for a preliminary ruling from the Sąd Rejonowy Lublin-Wschód w Lublinie z siedzibą w Świdniku — Poland) — Lexitor sp. z o.o. v Spółdzielcza Kasa Oszczędnościowo — Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A. and mBank S.A.
(Case C-383/18) (1)
(Reference for a preliminary ruling - Consumer protection - Credit agreements for consumers - Directive 2008/48/EC - Article 16(1) - Early repayment - Right of the consumer to a reduction in the total cost of the credit, consisting of the interest and the costs for the remaining duration of the contract)
(2019/C 383/30)
Language of the case: Polish
Referring court
Sąd Rejonowy Lublin-Wschód w Lublinie z siedzibą w Świdniku
Parties to the main proceedings
Applicant: Lexitor sp. z o.o.
Defendants: Spółdzielcza Kasa Oszczędnościowo — Kredytowa im. Franciszka Stefczyka, Santander Consumer Bank S.A. and mBank S.A.
Operative part of the judgment
Article 16(1) of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC must be interpreted as meaning that the right of the consumer to a reduction in the total cost of the credit in the event of early repayment of the credit includes all the costs imposed on the consumer.
(1) OJ C 294, 20.8.2018.