Opinion of Advocate General Hogan delivered on 23 May 2019.#Lexitor Sp. z o.o v Spółdzielcza Kasa Oszczędnościowo - Kredytowa im. Franciszka Stefczyka and Others.#Request for a preliminary ruling from the Sąd Rejonowy Lublin-Wschód w Lublinie z siedzibą w Świdniku.#Reference for a preliminary ruling — Consumer protection — Credit agreements for consumers — Directive 2008/48/EC — Article 16(1) — Early repayment — Right of the consumer to a reduction in the total cost of the credit, consisting of the interest and the costs for the remaining duration of the contract.#Case C-383/18.