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Case C-686/19: Judgment of the Court (Sixth Chamber) of 16 July 2020 (request for a preliminary ruling from the Augstākā tiesa (Senāts) — Latvia) — SIA ‘Soho Group’ v Patērētāju tiesību aizsardzības centrs (Reference for a preliminary ruling — Consumer protection — Credit agreements for consumers — Directive 2008/48/EC — Concept of ‘total cost of the credit to the consumer’ — Costs for extending the credit)
ECLI:EU:UNKNOWN:62019CA0686
62019CA0686
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7.9.2020
Official Journal of the European Union
C 297/19
(Case C-686/19) (*)
(Reference for a preliminary ruling - Consumer protection - Credit agreements for consumers - Directive 2008/48/EC - Concept of ‘total cost of the credit to the consumer’ - Costs for extending the credit)
(2020/C 297/25)
Language of the case: Latvian
Referring court
Parties to the main proceedings
Applicant: SIA ‘Soho Group’
Defendant: Patērētāju tiesību aizsardzības centrs
Operative part of the judgment
The concept of the ‘total cost of the credit to the consumer’, contained in Article 3(g) of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC, must be interpreted as meaning that that concept includes the costs for any extension of the credit, provided that, first, the actual and precise conditions for its possible extension, including the duration of that extension, form part of the terms and conditions agreed between the creditor and the borrower in the credit agreement and, second, those costs are known to the creditor.
(*)
Language of the case: Latvian
ECLI:EU:C:2020:140