EU Law Radar

Monitoring References to the Court of Justice of the European Union

Tag

consumer

56 case reports

Case C-832/26, Autostrade per l'Italia – full toll for a motorway under repair

Italy's competition authority found that Autostrade per l'Italia engaged in an unfair commercial practice by charging full tolls while the service fell short because of its own lack of diligence, where drivers had no real alternative. The Consiglio di Stato asks whether the Unfair Commercial Practices Directive stretches that far — or whether a price that should have been cut is a matter for contract law.

Case C-848/26, Hoist Italia – the lender that did not check, and the buyer that did not lend

A lender failed to assess a borrower's creditworthiness and then sold the loan to Hoist Italia, a buyer of consumer debt. Italian law lets the borrower claim only against the original lender, for pre-contractual liability and damages. A court in Busto Arsizio asks whether that sanction is effective enough under the Consumer Credit Directive when the debt is being collected by someone else.

Case C-714/26, Consumer Rights Recovery – interest on the fees, and what follows

In April the Court held that a lender may not charge interest on the fees it has financed. A Warsaw court now asks what that means in practice: which of the Consumer Credit Directive's information duties such a contract breaches, whether the national sanction must follow, and whether a court must raise the point of its own motion.

Case C-769/26, Banca Sistema – a shield the consumer wants to use as a sword

When a consumer loan has been sold on, Italian courts let the borrower sue only whoever actually received the money — which means first working out how the two banks arranged the transfer between themselves. A justice of the peace asks whether Article 17 of the Consumer Credit Directive lets the consumer choose to sue either.

Case C-588/26, Tetilovi – the same tariff in a different hand

The Court has twice told Bulgaria that mandatory minimum lawyers' fees set by the bar offend Article 101 TFEU. Bulgaria then moved the appointment of court-appointed representatives, and the setting of their fees, to the bar councils. A Blagoevgrad court asks in twenty-five questions whether that is the same restriction in new clothes.

Case C-580/26, Vivesevi – the clock on a loan that was never valid

A consumer credit agreement is declared wholly invalid, but the money was drawn down and the lender wants it back. From which date does limitation run on that claim — the finding of invalidity, the drawdown, or each instalment of the contract that no longer exists? Sofia City Court asks.

Case C-571/26, Kahmus – res judicata over a question nobody asked

In Estonian consumer insolvency a credit claim already covered by a final judgment counts as uncontested — even where the reasons do not show that any court ever asked whether the lender assessed the borrower's ability to repay. The Riigikohus asks whether finality can carry a question that was never put.

Case C-572/26, Kangi – fifteen days to object to something nobody told you

An Estonian order for payment issues on a consumer credit claim without any court checking whether the lender ever assessed the borrower's ability to repay — and enforcement checks nothing either. The consumer has fifteen days to object, on papers that never mention the point. The Riigikohus asks whether that is enough.

Case C-530/15, Melitta France – card core, hardcore packaging law

Inside a roll of toilet paper is a cardboard core. Does this internal element form part of the toilet paper’s packaging? It is a question which has stymied the French courts. The answer depends on the word ‘packaging’ which is … Continue reading →

Case A-001/14, Malta – illegal sports betting

Is the Council of Europe’s Draft Convention against the Manipulation of Sports Competitions compatible with EU law? Facts On 11 July 2014, the Maltese Government issued a press release announcing that it was asking the CJEU for an Advisory Opinion on the Council of Europe’s Draft Convention against…