65That aim could not be effectively achieved if the consumer were himself obliged to invoke the right to pursue remedies which he enjoys against the grantor of credit in accordance with the provisions of national law transposing Article 11(2) of Directive 87/102, in particular because of the real risk that the consumer may be unaware of his rights or may encounter difficulties in exercising them. As the Advocate General stated at point 107 of his Opinion, the fact that the main proceedings were brought by Mr and Mrs Rampion and that they are represented in those proceedings by a lawyer does not justify a different conclusion, as the issue must be settled independently of the specific circumstances of the case.
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