Judgment_paragraph 280 · VK and Others v BMW Bank GmbH and Others (C-38/21)

280In the second place, as regards the question of whether the creditor may rely on the abusive exercise by the consumer of the right of withdrawal referred to in Article 14 of Directive 2008/48, it should, first, be noted that that directive does not contain provisions governing the abuse by a consumer of the rights conferred on him or her by that directive (judgment of 9 September 2021, Volkswagen Bank and Others, C‑33/20, C‑155/20 and C‑187/20, EU:C:2021:736, paragraph 120).