Object of the law The present law applies to credit contracts featuring international elements which have been concluded in the Republic of Croatia between debtors and unauthorised lenders, with the exception of contracts which have been concluded by the following debtors; … Definitions In the sense of the present law, the term: … Nullity of credit contracts Nullity of other legal acts Exclusion of forced execution … Effects of nullity Competence Transitory and final provisions
According to the written observations of the Commission which were uncontested in this regard.
Ibid.
Reference is made in this regard to Article 28(3) of Zakona o deviznom poslovanju (Croatian law on foreign exchange transactions).
Reference is made in this regard to Article 252(2) of the Zakon o obveznim odnosima (the Croatian law relevant to obligation),
Reference is made in this regard to the judgment of
The defendant refers to Regulation (EC) No 593/2008 of the European Parliament and of the Council of
The defendant refers to the judgments of
The defendant refers to the judgment of
The defendant refers to the judgments of
The defendant refers to the judgment of
Croatia relies on the order of
Croatia refers to Article 1 of the Law of
Croatia refers to the judgment of
The Commission refers to the judgments of
Above, footnote 2.
In this context the Commission refers to the judgment of
In this context the Commission refers to the judgments of
The Commission refers to Article 19 j of the law on Consumer Credit (Official Journal of the Republic of Croatia Nos 75/2009, 112/2012, 143/2013, 147/2013, 9/2015, 78/2015, 102/2015 and 52/2016), inserted by the law modifying and complementing the law on consumer credit (Journal officiel de la République de Croatie n
The Commission refers to Article 33 and Annex 1 to Directive 2013/36/EU of the European Parliament and of the Council of
The Commission refers to the judgments of
Judgment of
The Commission refers to the judgments of
Judgment of
The Commission refers, inter alia, to the judgments of
See e.g. judgment of
Cf. the judgment of
See, in this regard, the Opinion of Advocate General Szpunar in
Ibid., point 36.
See my Opinion in
Judgment of
Ibid., paragraph 39 and the case-law cited. See also recently the judgment of
My emphasis. As noted above, the Commission refers to the judgments of
Above, point 31.
Opinion of Advocate General Bobek in
See the judgment of
Judgment of
Ibid., Article 33 and Annex 1.
My emphasis. See judgment of
It is to be noted that, on
See recently the Opinion of Advocate General Mengozzi in
Judgment of
Judgment of
Ibid., paragraph 34.
Cf. judgment of
See by analogy judgment of
E.g. judgment of
Judgment of
My emphasis. Ibid., paragraphs 32 and 33 and the case-law cited.
Opinion of
The Commission refers to Article 19j of the Law on consumer credit (
Judgment of
The Commission refers to the judgments of
Judgment of
Judgment of
E.g. judgment of
The judgment of
See e.g. the judgment of
See e.g. recently the judgments of
See also e.g. Directive 2008/48/EC of the European Parliament and of the Council of
In the circumstances of the main proceedings, Article 56 TFEU is to be interpreted as precluding a Member State law which provides for the nullity of loan contracts, and retroactively from their date of conclusion, along with other legal acts that are consequential upon such loan contracts, when they are entered into between a lender established in a Member State other than of the person for whom the services are intended, although the lender was not in possession of the authorisations required from the competent authorities of that Member State at the time the contract was concluded.