127In the light of the foregoing considerations, the following answer should be given to Question 5 in Case C‑155/20 and Question 8 in Case C‑187/20: Directive 2008/48 is to be interpreted as precluding a creditor from legitimately claiming that a consumer has abused his or her right of withdrawal, laid down in Article 14(1) of that directive, where some of the mandatory information listed in Article 10(2) thereof was not included in the credit agreement and, further, was not duly communicated at a later stage, irrespective of whether the consumer was unaware of the existence of his or her right of withdrawal.
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