{"attribution":{"source":"legal.exploreworldai.com","canonical":"https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-665-23-62023cj0665","cite_as":"NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-665-23-62023cj0665)","license":"https://legal.exploreworldai.com/revision","version":"legal-2026-11-03","fingerprint":"ewai:se:dc212a","proof":"sha256:b6a9b9b8d57aabbd154f72ca06020f8dc27765524a5f573751bce8cb8816122a","jurisdiction":"se","lang":"en","publisher":"NovaCopilot by ExploreWorld Legal","terms":"https://legal.exploreworldai.com/om"},"brand_source":"Source: NovaCopilot","object_type":"decision","object_id":"decision:eu:c-665-23-62023cj0665","schema_version":"1","schema":"https://legal.exploreworldai.com/api/public/v1/schemas/decision","url":"https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-665-23-62023cj0665","judgment":{"id":"eu:c-665-23-62023cj0665","text":"https://legal.exploreworldai.com/api/public/v1/judgment-text?id=eu:c-665-23-62023cj0665"},"siblings":{"risk":"https://legal.exploreworldai.com/api/public/v1/obj/risk/eu:c-665-23-62023cj0665","relation":"https://legal.exploreworldai.com/api/public/v1/obj/relation/eu:c-665-23-62023cj0665","change":"https://legal.exploreworldai.com/api/public/v1/obj/change/eu:c-665-23-62023cj0665","agent":"https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-665-23-62023cj0665","provenance":"https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-665-23-62023cj0665","status":"https://legal.exploreworldai.com/api/public/v1/obj/status/eu:c-665-23-62023cj0665","precedent":"https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-665-23-62023cj0665","edge":"https://legal.exploreworldai.com/api/public/v1/obj/edge/eu:c-665-23-62023cj0665","element":"https://legal.exploreworldai.com/api/public/v1/obj/element/eu:c-665-23-62023cj0665","weight":"https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:c-665-23-62023cj0665","conflict":"https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:c-665-23-62023cj0665","citation_graph":"https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:c-665-23-62023cj0665"},"source":"NovaCopilot","precedent_graph":"https://legal.exploreworldai.com/api/public/v1/precedent-graph/eu:c-665-23-62023cj0665","item":{"judgment":"eu:c-665-23-62023cj0665","issue":"Reference for a preliminary ruling – Payment services in the internal market – Directive 2007/64/EC – Article 56(1)(b) – Obligation for the payment service user to notify the payment service provider ‘without undue delay’ of the loss, theft, misappropriation or unauthorised use of his or her payment instrument – Article 58 – Notification of unauthorised payment transactions – Rectification of such a transaction by the payment service provider subject to the obligation for the user of those services to notify that transaction ‘without undue delay … and no later than 13 months after the debit date’ – Articles 60 and 61 – Respective liabilities of the payment service provider and of the payer for unauthorised payment transactions – Successive unauthorised payment transactions resulting from the loss, theft, misappropriation or unauthorised use of a payment instrument – Delayed notification without intent or gross negligence – Scope of the right to a refund.","decisions":[{"decision_id":"decision:eu:c-665-23-62023cj0665#1","precedent_id":"precedent:eu:c-665-23-62023cj0665#1","paragraph_id":"para_286","outcome":"interpretation","then":"Article 58 of Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market amending Directives 97/7/EC, 2002/65/EC, 2005/60/EC and 2006/48/EC and repealing Directive 97/5/EC must be interpreted as meaning that the payment service user is, in principle, deprived of the right to obtain rectification of a transaction, even though he or she notified it to that payment service provider within 13 months after the debit date.","conditions":[{"text":"if he or she did not notify his or her payment service provider without undue delay on becoming aware of an unauthorised payment transaction","elements":[]}],"exceptions":[],"elements":[],"open":["Inga rekvisit ur lexikonet kunde knytas till regeln."]},{"decision_id":"decision:eu:c-665-23-62023cj0665#3","precedent_id":"precedent:eu:c-665-23-62023cj0665#3","paragraph_id":"para_289","outcome":"interpretation","then":"Article 58, Article 60(1) and Article 61(2) of Directive 2007/64, read in conjunction with Article 56(1)(b) thereof, must be interpreted as meaning that, in the event of an unauthorised payment transaction resulting from the use of a lost, stolen or misappropriated payment instrument, or from any unauthorised use of such an instrument, that payer is - 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