Dukic Mijatovic, Marijana, and Sanja Gongeta. “Modalities of consumer’s Protection at consumer’s Lending in European Union Member States Are Provided With a Special Directive of the European Parliament and the Council (Directive 2008/48/EZ of the Consumer Credit agreements). Although This Area Has Bee”. European Scientific Journal, ESJ 10, no. 7 (March 26, 2014). Accessed January 19, 2026. https://eujournal.org/index.php/esj/article/view/2852.