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European Union
Bogdan Matei and Ioana Ofelia Matei v SC Volksbank România SA (C-143/13)
Judgment
Consideration of the question referred…
Substance
47

Bogdan Matei and Ioana Ofelia Matei v SC Volksbank România SA (C-143/13)

Judgment of 26 Feb 2015law://eu/cjeu/2013/c-143-13/para_47@2026-11-10

47Second, the exact scope of ‘main subject-matter’ and ‘price’ within the meaning of Article 4(2) of Directive 93/13 cannot be determined by the concept of ‘the total cost of the credit to the consumer’ within the meaning of Article 3(g) of Directive 2008/48.

Source: EUR-Lex, © European Union, 1998-2026. Reuse authorised under Decision 2011/833/EU.

Key facts

Court: Court of Justice · Ninth Chamber
Case: C-143/13 · ECLI:EU:C:2015:127
Decided: 26 Feb 2015
Procedure: Preliminary reference · referred by the Tribunalul Specializat Cluj (Romania)
Applicants: Bogdan Matei; Ioana Ofelia Matei
Defendant: SC Volksbank România SA
Rapporteur: A. Prechal
Advocate General: N. Wahl
Bench: 3 judges
K. Jürimäe, M. Safjan, A. Prechal
Language: Romanian
Official: CURIA · EUR-Lex 62013CJ0143

Topics

Approximation of laws Consumer protection

History · 1 version

26 Feb 2015Reading

Connections

Interprets 1: Council Directive 93/13/EEC2 provisions
Cited by 14: CY and Others v Caixabank SA and Banco Bilbao Vizcaya Argentaria SA (C-224/19, C-259/19)2 provisions; Gyula Kiss and CIB Bank Zrt. v Emil Kiss and Gyuláné Kiss (C-621/17); Caixabank SA v X (C-565/21); Ruxandra Paula Andriciuc and Others v Banca Românească SA (C-186/16); Marc Gómez del Moral Guasch v Bankia SA (C-125/18); ZL and Others v Provident Polska S.A (C-321/22); Profi Credit Polska S.A. and Others v QJ and Others (C-84/19, C-222/19, C-252/19)2 provisions; AM and PM v mBank S.A (C-139/22); S.R.G. v Profi Credit Bulgaria EOOD (C-714/22)2 provisions; Jean-Claude Van Hove v CNP Assurances SA (C-96/14); Mikrokasa S.A. w Gdyni and Revenue Niestandaryzowany Sekurytyzacyjny Fundusz Inwestycyjny Zamknięty w Warszawie v XO (C-779/18); Air Berlin plc & Co. Luftverkehrs KG v Bundesverband der Verbraucherzentralen und Verbraucherverbände - Verbraucherzentrale Bundesverband e.V (C-290/16); J.J. v PKO BP S.A (C-471/24); FG v Caja Rural de Navarra SCC (C-699/23)
Cites 7: Council Directive 93/13/EEC2 provisions; 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; Árpád Kásler and Hajnalka Káslerné Rábai v OTP Jelzálogbank Zrt (C-26/13); Nemzeti Fogyasztóvédelmi Hatóság v Invitel Távközlési Zrt (C-472/10); Ourdia Djabali v Caisse d'allocations familiales de l'Essonne (C-314/96); Rosa García Blanco v Instituto Nacional de la Seguridad Social (INSS) and Tesorería General de la Seguridad Social (TGSS) (C-225/02); Bibi Mohammad Imran v Minister van Buitenlandse Zaken (C-155/11)