Judgment_paragraph 234 · VK and Others v BMW Bank GmbH and Others (C-38/21)

234Knowledge and good understanding, on the part of the consumer, of the information that must be mandatorily included in the credit agreement, in accordance with Article 10(2) of Directive 2008/48, are necessary for the proper performance of the agreement and, in particular, for the exercise of the consumer’s rights, which include his or her right of withdrawal (see, to that effect, judgment of 9 September 2021, Volkswagen Bank and Others, C‑33/20, C‑155/20 and C‑187/20, EU:C:2021:736, paragraph 71 and the case-law cited).