Request for a preliminary ruling from the Augstākā tiesa (Senāts) (Latvia) lodged on 18 September 2019 — ‘Soho Group’ SIA v Patērētāju tiesību aizsardzības centrs

(Case C-686/19)

Language of the case: Latvian

Referring court

Augstākā tiesa (Senāts)

Parties to the main proceedings

Applicant: ‘Soho Group’ SIA

Defendant: Patērētāju tiesību aizsardzības centrs

Questions referred

Is the concept ‘total cost of the credit to the consumer’, defined in Article 3(g) of Directive 2008/48/EC ¹ of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC, an autonomous concept of EU law?

Are the costs of extending the credit included in the concept ‘total cost of the credit to the consumer’, defined 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, in circumstances such as those of the present case, if the clauses on extending the credit form part of the terms and conditions of the credit agreement agreed by the borrower and the lender?

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¹ OJ 2008 L 133, p. 66.