43Admittedly, it does not follow from the case-law referred to in paragraph 37 of this judgment that the lender is required to specify in the contract concerned the nature of all of the services provided in return for the charges provided for by one or more contractual terms. However, in the light of the protection that Directive 93/13 seeks to afford to the consumer by reason of the fact that he is in a weaker position vis-à-vis the seller or supplier, as regards both his bargaining power and his level of knowledge, it is necessary that the nature of the services actually provided can reasonably be understood or inferred from a consideration of the contract as a whole. In addition, the consumer must be able to establish that there is no overlapping of the different charges or of the services which they cover.
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