Court of Justice of the European Union · Judgment
C-326/22Z. sp. z o.o. v A. S.A
- Decided
- 2023-10-12
- ECLI
- ECLI:EU:C:2023:775
- CELEX
- 62022CJ0326
- Finality
- Final, the decision cannot be appealed
The court's own keywords
Reference for a preliminary ruling – Consumer protection – Credit agreements for consumers – Directive 2008/48/EC – Article 16(1) – Contractual rights and obligations – Early repayment – Reduction in the total cost of the credit for consumers – Loss of a copy of the agreement – Right to obtain a duplicate of the agreement from the creditor.
Interprets
Read from EU:s publikationsbyrå, Cellar (EUR-Lex och CURIA) on 2026-08-22.
The row repeats what the source states. It is not a summary, not a conclusion about any single case and not legal advice.
Verifiable trust signals
- Six fixed blocks, one source per line
- No sentence written by a language model
- Engine version and read date on every answer
- No customer data, no documents, no advice
- Model card and audit published under the EU AI Act