Z. (Droit d'obtenir un duplicata du contrat de credit) (Consumer protection - Early repayment - Judgment)

(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)

REQUEST for a preliminary ruling under Article 267 TFEU from the Sąd Rejonowy dla m.st. Warszawy w Warszawie (District Court, Warsaw, Poland), made by decision of 18 March 2022, received at the Court on 13 May 2022, in the proceedings

composed of Z. Csehi (Rapporteur), President of the Chamber, I. Jarukaitis and D. Gratsias, Judges,

having regard to the written procedure and further to the hearing on 19 April 2023,

– Z. sp. z o.o., by M. Plichta, A. Tomaszewska, radcowie prawni, and O. Wojciechowski,