Opinion of Advocate General Szpunar delivered on 22 January 2019.#Pillar Securitisation Sàrl v Hildur Arnadottir.#Request for a preliminary ruling from the Cour de cassation (Luxembourg).#Reference for a preliminary ruling — Jurisdiction and the recognition and enforcement of judgments in civil and commercial matters — Lugano II Convention — Article 15 — Contract concluded by a consumer — Relationship with Directive 2008/48/EC — Consumer credit agreements — Articles 2 and 3 — Concepts of ‘consumer’ and of ‘transactions covered by the directive’ — Maximum amount of credit — Irrelevant for the purposes of Article 15 of the Lugano II Convention.#Case C-694/17.