38It should also be pointed out that the findings set out in the previous paragraph are not called into question by paragraph 279 of the judgment of 21 December 2023, BMW Bank and Others (C‑38/21, C‑47/21 and C‑232/21, EU:C:2023:1014), in which the Court held that, since the performance of a contract constitutes the natural mechanism for extinguishing contractual obligations and in the absence of specific provisions in that regard, a consumer may no longer rely on the right of withdrawal conferred on him or her by Article 14(1) of Directive 2008/48 once the credit agreement has been fully performed by the parties and the mutual obligations arising from that agreement have, as a result, come to an end.