Judgment of the Court (Tenth Chamber) of 12 October 2023.#Z. sp. z o.o. v A. S.A.#Reference for a preliminary ruling – Consumer protection – Credit agreements for consumers – Directive 2008/48/EC – Article 16(1) – Contractual rights and obligations – Early repayment – Reduction in the total cost of the credit for consumers – Loss of a copy of the agreement – Right to obtain a duplicate of the agreement from the creditor.#Case C-326/22.