Judgment of the Court (Sixth Chamber) of 16 July 2020.#SIA “Soho Group” v Patērētāju tiesību aizsardzības centrs.#Request for a preliminary ruling from the Augstākā tiesa (Senāts).#Reference for a preliminary ruling – Consumer protection – Credit agreements for consumers – Directive 2008/48/EC – Concept of ‘total cost of the credit to the consumer’ – Costs for extending the credit.#Case C-686/19.