Joined Cases C-38/21, C-47/21, and C-232/21, BMW Bank and Others: Judgment of the Court (Grand Chamber) of 21 December 2023 (requests for a preliminary ruling from the Landgericht Ravensburg — Germany) — VK (C-38/21), F. F. (C-47/21), CR, AY, ML, BQ (C-232/21) v BMW Bank GmbH (C-38/21), C. Bank AG (C-47/21), Volkswagen Bank GmbH, Audi Bank (C-232/21) (Reference for a preliminary ruling — Consumer protection — Leasing agreement for a motor vehicle without an obligation to purchase — Directive 2008/48/EC — Article 2(2)(d) — Concept of a leasing agreement without an obligation to purchase the object of the agreement — Directive 2002/65/EC — Article 1(1) and Article 2(b) — Concept of a contract for financial services — Directive 2011/83/EU — Article 2(6) and Article 3(1) — Concept of a service contract — Article 2(7) — Concept of a distance contract — Article 2(8) — Concept of an off-premises contract — Article 16(l) — Exception from the right of withdrawal in respect of the provision of car rental services — Credit agreement for the purchase of a motor vehicle — Directive 2008/48 — Article 10(2) — Requirements relating to the information that must be stated in the agreement — Presumption of compliance with the obligation to provide information in the case of use of a statutory information model — Absence of horizontal direct effect of a directive — Article 14(1) — Right of withdrawal — Start of the withdrawal period in the event of incomplete or incorrect information — Abusive nature of the exercise of the right of withdrawal — Time-barring of the right of withdrawal — Obligation to return the vehicle in advance in the event of exercise of the right of withdrawal in respect of a linked credit agreement)