The court held that according to the greek law the definition of the consumer is broader that the one laid down in Directive 1993/13/EEC. In the greek legislation, a consumer is the natural or legal person who acquires the product or services in order to meet not only his individual but also his professional needs; the fact that this person is the intended final recipient of that product or services suffices in order for that person to fall under the definition of the consumer. Hence, the debtor of a banking loan too shall be in principle regarded as a consumer, regardless of the purpose of the loan or the use of the money. The only exception is the case where the debtor cannot be considered as a weak party in a transaction, for instance due to his commercial experience regarding bank contracts or due of his financial capacity and organisational infrastructure. So, the debtor, regardless of the purpose of the banking loan and the use of the money, shall be in principle regarded as a consumer. In addition, even when the debtor enters into a banking loan agreement within the context of his profession-business, his guarantor too shall be regarded as a consumer for the same reasons as above, due to the ancillary (dependent) nature of the guarantee contract in relation to the main loan contract, on condition that the guarantor is not in the business of providing professional guarantees.