Case C-409/23, Riverty: Judgment of the Court (Fourth Chamber) of 17 October 2024 (request for a preliminary ruling from the Hoge Raad der Nederlanden – Netherlands) – Riverty GmbH, legal successor of Arvato Finance BV v MI (Reference for a preliminary ruling – Consumer protection – Directive 2008/48/EC – Scope – Credit agreements for consumers – Exceptions – Article 2(2)(f) – Interest-free credit agreements without other charges or providing for negligible charges – Deferred payment service Buy now, pay later – Late payment – Default interest and out-of-court collection costs)