65In the same vein, Advocate General Kokott considered, in essence, in points 63 to 67 of her Opinion in the Cofidis and OPR-Finance (C‑616/18 and C‑679/18, EU:C:2019:975), concerning the interpretation of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC (OJ 2008 L 133, p. 66), that different national limitation periods laid down, on the one hand, for sellers or suppliers and, on the other, for consumers, create an asymmetry of the possibilities for bringing an action which may undermine the effectiveness of the protection afforded by that directive.
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