Court of Justice of the European Union · EU

Judgment of the Court (Fourth Chamber) of 30 October 2025.#KI and FA v Mercedes-Benz Bank AG and Volkswagen Bank GmbH.#Reference for a preliminary ruling – Consumer protection – Credit agreement for the purchase of a motor vehicle – Directive 2008/48/EC – Article 10(2)(l) – Requirements relating to the information to be included in the agreement – Obligation to specify the late-payment interest rate – Article 14(1) – Right of withdrawal – Commencement of the withdrawal period in the absence of any reference to the late-payment interest rate – Abusive nature of the exercise of the right of withdrawal – Consequences of exercising the right of withdrawal in the context of a credit agreement linked to a vehicle purchase agreement – Consumer’s obligations towards the creditor – Method of calculating compensation for loss of value of the financed asset – Article 14(3)(b) – Payment of interest following withdrawal from a credit agreement linked to a contract for the supply of goods.#Case C-143/23.

Official source: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:62023CJ0143_RES
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Retrieved: 2026-08-27T07:00:15.779Z

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