16The referring court is uncertain whether, in a situation such as those at issue in the main proceedings, the right of the consumer to a reduction in the total cost of the credit in the event of early repayment of that credit as referred to in Article 16(1) of Directive 2008/48 also concerns costs which are not dependent on the duration of the contract. In that regard, it emphasises that, although certain Polish courts have answered that question in the negative, on the basis of the Law on consumer credit, another court has, by contrast, answered in the affirmative, relying on an interpretation of that Law in the light of Article 16 of that directive.
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