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European Union
Home Credit Slovakia a.s. v Klára Bíróová (C-42/15)
Judgment
Consideration of the questions referred
The seventh question
69

Home Credit Slovakia a.s. v Klára Bíróová (C-42/15)

Judgment of 9 Nov 2016law://eu/cjeu/2015/c-42-15/para_69@2026-11-11

69In the light of the case-law referred to in paragraphs 63 to 68 above, it must be found that a creditor’s breach of a vitally important obligation in the context of Directive 2008/48 may be penalised, under national law, by the creditor’s forfeiture of entitlement to interest and charges.

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

Key facts

Court: Court of Justice · Third Chamber
Case: C-42/15 · ECLI:EU:C:2016:842
Decided: 9 Nov 2016
Procedure: Preliminary reference · referred by the Okresný súd Dunajská Streda (District Court, Dunajská Streda, Slovakia)
Applicant: Home Credit Slovakia, a.s.
Defendant: Klára Bíróová
Rapporteur: M. Safjan
Advocate General: E. Sharpston
Bench: 5 judges
L. Bay Larsen, M. Vilaras, J. Malenovský, M. Safjan, D. Šváby
Language: Slovak
Official: CURIA · EUR-Lex 62015CJ0042

Topics

Approximation of laws Consumer protection

History · 1 version

9 Nov 2016Reading

Connections

Interprets 1: 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
Interpreted by the courts in 2: LH v Profi Credit Slovakia s.r.o (C-485/19); TE v Pohotovosť s.r.o (C-331/18)
Cited by 12: LH v Profi Credit Slovakia s.r.o (C-485/19)7 provisions; VK and Others v BMW Bank GmbH and Others (C-38/21); S.R.G. v Profi Credit Bulgaria EOOD (C-714/22); UK and Others v Volkswagen Bank GmbH and Others (C-33/20); TE v Pohotovosť s.r.o (C-331/18)5 provisions; OPR-Finance s.r.o. v GK (C-679/18)2 provisions; Ultimo Portfolio Investment (Luxembourg) S.A. v KM (C-303/20)2 provisions; Z. sp. z o.o. v A. S.A (C-326/22); JC v Kreissparkasse Saarlouis (C-66/19); Lexitor sp. z o.o. v A. B. S.A (C-472/23)2 provisions; A. B. and F. B. v Slovenská sporiteľňa a.s (C-677/23); RN v Home Credit Slovakia a.s (C-290/19)
Cites 10: Directive 97/7/EC of the European Parliament and of the Council of 20 May 1997 on the protection of consumers in respect of distance contracts - Statement by the Council and the Parliament re Article 6 (1) - Statement by the Commission re Article 3 (1), first indent; 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; Content Services Ltd v Bundesarbeitskammer (C-49/11); Ernst Georg Radlinger and Helena Radlingerová v Finway a.s (C-377/14); SC Volksbank România SA v Autoritatea Naţională pentru Protecţia Consumatorilor — Comisariatul Judeţean pentru Protecţia Consumatorilor Călăraşi (CJPC) (C-602/10); Maria Bucura v SC Bancpost SA (C-348/14); Pohotovosť s.r.o. v Iveta Korčkovská (C-76/10); CA Consumer Finance SA v Ingrid Bakkaus and Others (C-449/13); Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit; LCL Le Crédit Lyonnais SA v Fesih Kalhan (C-565/12)