Request for a preliminary ruling from the Tribunal de Instancia de Peñaranda de Bracamonte, Sección Civil y de Instrucción, plaza n.o 1 (Spain) lodged on 26 February 2026 – Investcapital Ltd v EW

(Case C-131/26, Alsadán  (1) )

(C/2026/3289)

Language of the case: Spanish

Referring court

Tribunal de Instancia de Peñaranda de Bracamonte, Sección Civil y de Instrucción, plaza judicial n.o 1

Parties to the main proceedings

Applicant: Investcapital Ltd

Defendant: EW

Questions referred

1.

Should Article10 of Directive (EU) 2021/2167 of the European Parliament and of the Council of 24 November 2021 (2) be interpreted as meaning that notification to the debtor of the transfer of a debt is a mandatory prerequisite for the credit purchaser to be able to initiate legal proceedings for recovery against the debtor?

2.

If the answer is in the affirmative, should that provision be interpreted as meaning that, in the absence of proof of such prior notification, the national court must declare the application inadmissible on the ground of failure to comply with a procedural requirement under its domestic procedural rules?

3.	Does Article 10 of Directive (EU) 2021/2167 preclude, in relation to the principle of effectiveness of EU law, national legislation or judicial practice that allows the credit purchaser to bring legal proceedings for recovery without first having notified the debtor of the transfer of the debt?

---

(1)  The name of the present case is a fictitious name. It does not correspond to the real name of any party to the proceedings.

(2)  Directive (EU) 2021/2167 of the European Parliament and of the Council of 24 November 2021 on credit servicers and credit purchasers and amending Directives 2008/48/EC and 2014/17/EU (OJ 2021 L 438, p. 1).