20As a preliminary point, it should be specified that the fact that the disputes in the main proceedings are only between sellers or suppliers does not preclude the application of Directive 2008/48. Indeed, as the Advocate General noted in point 24 of his Opinion, the scope of that directive is not dependent on the identity of the parties to the dispute, but on the capacity of the parties to the credit agreement. In the present case, the claims which are the subject of the disputes in the main proceedings are derived from three consumer credit agreements concluded between three consumers and the three defendants in the main proceedings, and were assigned to the applicant in the main proceedings following the early repayment of those agreements.
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