Judgment of the Court (Sixth Chamber) of 26 March 2020.#JC v Kreissparkasse Saarlouis.#Request for a preliminary ruling from the Landgericht Saarbrücken.#Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Credit agreements for consumers — Right of withdrawal — Time limit for the exercise of that right — Requirements concerning the information to be included in a credit agreement — Information notice merely referring to a series of national provisions.#Case C-66/19.

decidedEuropean Union· Court of Justice of the European Union· EN

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26 March 2020

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26 March 2020 · Decided

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Official record CELEX 62019CJ0066 from European Union at Court of Justice of the European Union. Dated 26 March 2020. Status: decided.

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26 March 2020
Decided
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23 official files

Sentenza tal-Qorti tal-Ġustizzja (Is-Sitt Awla) tas-26 ta’ Marzu 2020.#JC vs Kreissparkasse Saarlouis.#Talba għal deċiżjoni preliminari, imressqa mil-Landgericht Saarbrücken.#Rinviju għal deċiżjoni preliminari – Protezzjoni tal-konsumaturi – Direttiva 2008/48/KE – Kuntratti ta’ kreditu għall-konsumatur – Dritt ta’ rtirar – Terminu għall-eżerċizzju ta’ dan id-dritt – Rekwiżiti dwar l-informazzjoni li għandha tissemma fil-kuntratt – Avviż ta’ informazzjoni li hija limitata li tagħmel riferiment kaskata għal dispożizzjonijiet nazzjonali.#Kawża C-66/19.

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Sentenza tal-Qorti tal-Ġustizzja (Is-Sitt Awla) tas-26 ta’ Marzu 2020.#JC vs Kreissparkasse Saarlouis.#Talba għal deċiżjoni preliminari, imressqa mil-Landgericht Saarbrücken.#Rinviju għal deċiżjoni preliminari – Protezzjoni tal-konsumaturi – Direttiva 2008/48/KE – Kuntratti ta’ kreditu għall-konsumatur – Dritt ta’ rtirar – Terminu għall-eżerċizzju ta’ dan id-dritt – Rekwiżiti dwar l-informazzjoni li għandha tissemma fil-kuntratt – Avviż ta’ informazzjoni li hija limitata li tagħmel riferiment kaskata għal dispożizzjonijiet nazzjonali.#Kawża C-66/19.
judgment · MT · 26 March 2020
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Acórdão do Tribunal de Justiça (Sexta Secção) de 26 de março de 2020.#JC contra Kreissparkasse Saarlouis.#Pedido de decisão prejudicial apresentado pelo Landgericht Saarbrücken.#Reenvio prejudicial — Proteção dos consumidores — Diretiva 2008/48/CE — Contratos de crédito aos consumidores — Direito de retratação — Prazo para exercer esse direito — Requisitos relativos às informações que devem constar do contrato — Nota de informação que se limita a fazer referência, em cascata, a disposições nacionais.#Processo C-66/19.
judgment · PT · 26 March 2020
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Решение на Съда (шести състав) от 26 март 2020 г.#JC срещу Kreissparkasse Saarlouis.#Преюдициално запитване, отправено от Landgericht Saarbrücken.#Преюдициално запитване — Защита на потребителите — Директива 2008/48/ЕО — Договори за потребителски кредити — Право на отказ — Срок за упражняване на това право — Изисквания относно информацията, която следва да се съдържа в договора — Информация, която се ограничава до многократно препращане към национални разпоредби.#Дело C-66/19.
judgment · BG · 26 March 2020
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A Bíróság ítélete (hatodik tanács), 2020. március 26.#JC kontra Kreissparkasse Saarlouis.#A Landgericht Saarbrücken (Németország) által benyújtott előzetes döntéshozatal iránti kérelem.#Előzetes döntéshozatal – Fogyasztóvédelem – 2008/48/EK irányelv – Fogyasztói hitelmegállapodások – Elállási jog – Az e jog gyakorlására vonatkozó határidő – A szerződésben feltüntetendő információkra vonatkozó követelmények – Olyan tájékoztató, amely a nemzeti rendelkezésekre utaló hivatkozások sorára szorítkozik.#C-66/19. sz. ügy.
judgment · HU · 26 March 2020
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Hotărârea Curții (Camera a șasea) din 26 martie 2020.#JC împotriva Kreissparkasse Saarlouis.#Cerere de decizie preliminară formulată de Landgericht Saarbrücken.#Trimitere preliminară – Protecția consumatorilor – Directiva 2008/48/CE – Contracte de credit pentru consumatori – Dreptul de retragere – Termen pentru exercitarea acestui drept – Cerințe privind informațiile care trebuie menționate în contractele de credit – Clauză de informare care se limitează să facă trimitere în cascadă la dispoziții naționale.#Cauza C-66/19.
judgment · RO · 26 March 2020
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Arrest van het Hof (Zesde kamer) van 26 maart 2020.#JC tegen Kreissparkasse Saarlouis.#Verzoek van het Landgericht Saarbrücken om een prejudiciële beslissing.#Prejudiciële verwijzing – Consumentenbescherming – Richtlijn 2008/48/EG – Kredietovereenkomsten voor consumenten – Herroepingsrecht – Termijn voor de uitoefening van dat recht – Eisen inzake de in de overeenkomst te vermelden informatie – Informatieblad dat louter doorverwijst naar bepalingen van nationaal recht.#Zaak C-66/19.
judgment · NL · 26 March 2020
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Wyrok Trybunału (szósta izba) z dnia 26 marca 2020 r.#JC przeciwko Kreissparkasse Saarlouis.#Wniosek o wydanie orzeczenia w trybie prejudycjalnym złożony przez Landgericht Saarbrücken.#Odesłanie prejudycjalne – Ochrona konsumentów – Dyrektywa 2008/48/WE – Umowy o kredyt konsumencki – Prawo odstąpienia od umowy – Termin na skorzystanie z tego prawa – Wymogi dotyczące informacji, które należy wskazać w umowie – Informacja ograniczająca się do kaskadowego odniesienia do przepisów krajowych.#Sprawa C-66/19.
judgment · PL · 26 March 2020
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Domstolens dom (sjätte avdelningen) av den 26 mars 2020.#JC mot Kreissparkasse Saarlouis.#Begäran om förhandsavgörande från Landgericht Saarbrücken.#Begäran om förhandsavgörande – Konsumentskydd – Direktiv 2008/48/EG – Konsumentkreditavtal – Ångerrätt – Frist för att utöva denna rätt – Krav på vilka uppgifter avtalet ska innehålla – Information enbart i form av en hänvisning till ett flertal nationella bestämmelser.#Mål C-66/19.
judgment · SV · 26 March 2020
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Tiesas spriedums (sestā palāta), 2020. gada 26. marts.#JC pret Kreissparkasse Saarlouis.#Landgericht Saarbrücken lūgums sniegt prejudiciālu nolēmumu.#Lūgums sniegt prejudiciālu nolēmumu – Patērētāju aizsardzība – Direktīva 2008/48/EK – Patēriņa kredītlīgumi – Atteikuma tiesības – Termiņš šo tiesību izmantošanai – Prasības par līgumā norādāmo informāciju – Norāde uz informāciju, kas ir vien daudzpakāpju atsauce uz valsts tiesību normām.#Lieta C-66/19.
judgment · LV · 26 March 2020
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Presuda Suda (šesto vijeće) od 26. ožujka 2020.#JC protiv Kreissparkasse Saarlouis.#Zahtjev za prethodnu odluku koji je uputio Landgericht Saarbrücken.#Zahtjev za prethodnu odluku – Zaštita potrošača – Direktiva 2008/48/EZ – Ugovori o potrošačkim kreditima – Pravo na povlačenje – Rok za ostvarivanje tog prava – Zahtjevi u pogledu informacija koje treba uključiti u ugovor – Obavijest o informacijama koje se ograničavaju na višestruko upućivanje na nacionalne odredbe.#Predmet C-66/19.
judgment · HR · 26 March 2020
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Unionin tuomioistuimen tuomio (kuudes jaosto) 26.3.2020.#JC vastaan Kreissparkasse Saarlouis.#Landgericht Saarbrückenin esittämä ennakkoratkaisupyyntö.#Ennakkoratkaisupyyntö – Kuluttajansuoja – Direktiivi 2008/48/EY – Kulutusluottosopimukset – Peruuttamisoikeus – Määräaika tämän oikeuden käyttämiselle – Sopimuksessa mainittavia tietoja koskevat vaatimukset – Ilmoitus, jossa on vain kansallisiin säännöksiin liittyvä viittausketju.#Asia C-66/19.
judgment · FI · 26 March 2020
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Rozsudek Soudního dvora (šestého senátu) ze dne 26. března 2020.#JC v. Kreissparkasse Saarlouis.#Žádost o rozhodnutí o předběžné otázce podaná Landgericht Saarbrücken.#Řízení o předběžné otázce – Ochrana spotřebitele – Směrnice 2008/48/ES – Smlouvy o spotřebitelském úvěru – Právo odstoupit od smlouvy – Lhůta pro výkon tohoto práva – Požadavky na informace, které mají být uvedeny ve smlouvě – Informační sdělení, které pouze řetězovitě odkazuje na vnitrostátní předpisy.#Věc C-66/19.
judgment · CS · 26 March 2020
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Sentenza della Corte (Sesta Sezione) del 26 marzo 2020.#JC contro Kreissparkasse Saarlouis.#Domanda di pronuncia pregiudiziale proposta dal Landgericht Saarbrücken.#Rinvio pregiudiziale – Tutela dei consumatori – Direttiva 2008/48/CE – Contratti di credito ai consumatori – Diritto di recesso – Termine per l’esercizio del diritto – Requisiti relativi alle informazioni da inserire nel contratto – Nota informativa che si limita a un rinvio per relationem a disposizioni nazionali.#Causa C-66/19.
judgment · IT · 26 March 2020
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Sentencia del Tribunal de Justicia (Sala Sexta) de 26 de marzo de 2020.#JC contra Kreissparkasse Saarlouis.#Petición de decisión prejudicial planteada por el Landgericht Saarbrücken.#Procedimiento prejudicial — Protección de los consumidores — Directiva 2008/48/CE — Contratos de crédito al consumo — Derecho de desistimiento — Plazo para ejercer dicho derecho — Exigencias en cuanto a la información que debe especificarse en el contrato — Información que se limita a remitirse en cascada a disposiciones nacionales.#Asunto C-66/19.
judgment · ES · 26 March 2020
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2020 m. kovo 26 d. Teisingumo Teismo (šeštoji kolegija) sprendimas.#JC prieš Kreissparkasse Saarlouis.#Landgericht Saarbrücken prašymas priimti prejudicinį sprendimą.#Prašymas priimti prejudicinį sprendimą – Vartotojų apsauga – Direktyva 2008/48/EB – Vartojimo kredito sutartys – Teisė atsisakyti sutarties – Laikotarpis, skirtas pasinaudoti šia teise – Reikalavimai, kurie taikomi sutartyje nurodytinai informacijai – Informacinis pranešimas, kuriame pateikiama tik daugiapakopė nuoroda į nacionalinės teisės nuostatas.#Byla C-66/19.
judgment · LT · 26 March 2020
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Rozsudok Súdneho dvora (šiesta komora) z 26. marca 2020.#JC proti Kreissparkasse Saarlouis.#Návrh na začatie prejudiciálneho konania, ktorý podal Landgericht Saarbrücken.#Návrh na začatie prejudiciálneho konania – Ochrana spotrebiteľa – Smernica 2008/48/ES – Zmluvy o spotrebiteľskom úvere – Právo na odstúpenie od zmluvy – Lehota na uplatnenie tohto práva – Požiadavky na informácie, ktoré sa majú uviesť v zmluve – Informácia, ktorá uvádza postupný odkaz na ustanovenia vnútroštátneho práva.#Vec C-66/19.
judgment · SK · 26 March 2020
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Sodba Sodišča (šesti senat) z dne 26. marca 2020.#JC proti Kreissparkasse Saarlouis.#Predlog za sprejetje predhodne odločbe, ki ga je vložilo Landgericht Saarbrücken.#Predhodno odločanje – Varstvo potrošnikov – Direktiva 2008/48/ES – Potrošniške kreditne pogodbe – Pravica do odstopa od pogodbe – Rok za uveljavljanje te pravice – Zahteve v zvezi z informacijami, ki jih je treba vključiti v pogodbo – Informativno obvestilo, v katerem se zgolj kaskadno napotuje na nacionalne določbe.#Zadeva C-66/19.
judgment · SL · 26 March 2020
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Domstolens dom (Sjette Afdeling) af 26. marts 2020.#JC mod Kreissparkasse Saarlouis.#Anmodning om præjudiciel afgørelse indgivet af Landgericht Saarbrücken.#Præjudiciel forelæggelse – forbrugerbeskyttelse – direktiv 2008/48/EF – forbrugerkreditaftaler – fortrydelsesret – frist for udøvelse af denne ret – krav med hensyn til de oplysninger, der skal angives i aftalen – angivelse af oplysninger, der alene henviser til en række nationale bestemmelser.#Sag C-66/19.
judgment · DA · 26 March 2020
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Euroopa Kohtu otsus (kuues koda), 26.3.2020.#JC versus Kreissparkasse Saarlouis.#Eelotsusetaotlus, mille on esitanud Landgericht Saarbrücken.#Eelotsusetaotlus – Tarbijakaitse – Direktiiv 2008/48/EÜ – Tarbijakrediidi lepingud – Taganemisõigus – Selle õiguse teostamise tähtaeg – Nõuded lepingus sisalduvale kohustuslikule teabele – Teave, mis seisneb üksnes järjestikustes viidetes liikmesriigi õigusnormidele.#Kohtuasi C-66/19.
judgment · ET · 26 March 2020
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Απόφαση του Δικαστηρίου (έκτο τμήμα) της 26ης Μαρτίου 2020.#JC κατά Kreissparkasse Saarlouis.#Αίτηση του Landgericht Saarbrücken για την έκδοση προδικαστικής αποφάσεως.#Προδικαστική παραπομπή – Προστασία των καταναλωτών – Οδηγία 2008/48/ΕΚ – Συμβάσεις καταναλωτικής πίστης – Δικαίωμα υπαναχώρησης – Προθεσμία άσκησης του δικαιώματος αυτού – Απαιτήσεις σχετικά με τις πληροφορίες που πρέπει να περιλαμβάνονται στη σύμβαση – Ενημέρωση που παρέχεται μέσω διαδοχικής παραπομπής σε διατάξεις της εθνικής νομοθεσίας.#Υπόθεση C-66/19.
judgment · EL · 26 March 2020
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Arrêt de la Cour (sixième chambre) du 26 mars 2020.#JC contre Kreissparkasse Saarlouis.#Demande de décision préjudicielle, introduite par le Landgericht Saarbrücken.#Renvoi préjudiciel – Protection des consommateurs – Directive 2008/48/CE – Contrats de crédit aux consommateurs – Droit de rétractation – Délai pour exercer ce droit – Exigences quant aux informations à mentionner dans le contrat – Notice d’information se bornant à faire référence en cascade à des dispositions nationales.#Affaire C-66/19.
judgment · FR · 26 March 2020
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Urteil des Gerichtshofs (Sechste Kammer) vom 26. März 2020.#JC gegen Kreissparkasse Saarlouis.#Vorabentscheidungsersuchen des Landgerichts Saarbrücken.#Vorlage zur Vorabentscheidung – Verbraucherschutz – Richtlinie 2008/48/EG – Verbraucherkreditverträge – Widerrufsrecht – Frist für die Ausübung dieses Rechts – Anforderungen an die zwingenden Angaben in den Verträgen – Angabe, die sich auf eine Kaskadenverweisung auf nationale Bestimmungen beschränkt.#Rechtssache C-66/19.
judgment · DE · 26 March 2020
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Judgment of the Court (Sixth Chamber) of 26 March 2020.#JC v Kreissparkasse Saarlouis.#Request for a preliminary ruling from the Landgericht Saarbrücken.#Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Credit agreements for consumers — Right of withdrawal — Time limit for the exercise of that right — Requirements concerning the information to be included in a credit agreement — Information notice merely referring to a series of national provisions.#Case C-66/19.
judgment · EN · 26 March 2020
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Official source: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:62019CJ0066
Open data entity: http://publications.europa.eu/resource/cellar/801e6803-6f4e-11ea-b735-01aa75ed71a1
eurlex · 62019CJ0066 · source updated 26 March 2020