OPINION OF ADVOCATE GENERAL
SHARPSTON
delivered on 20 September 2012 (1)
Case C‑419/11
Česká spořitelna as
v
Gerald Feichter
(Reference for a preliminary ruling from the Městký soud v Praze (Czech Republic))
(Jurisdiction — Matters relating to a contract — Contract concluded by a consumer — Manager of a company — Credit agreement entered into by the company — Promissory note issued in incomplete form — Aval — Place for performance of the obligation)
1. By this reference for a preliminary ruling, the Court is asked to interpret the rules governing jurisdiction laid down in Regulation No 44/2001. (2) The background to the present case involves a promissory note executed in incomplete form by a company whose seat was in one Member State in favour of a lender domiciled in the same Member State. The promissory note was also executed, in aval, (3) by a natural person connected with the company but domiciled in another Member State. In proceedings for payment under the note brought against that person in the first Member State, is it open to him to claim that the courts of that State do not have jurisdiction on the ground that he is subject to the provisions of Articles 15 and 16 of the Regulation, which apply to consumers? In the event that he cannot, is the holder of the note entitled to bring proceedings in the State in which the promissory note in question bears to be payable – notwithstanding that it was executed in incomplete form – on the basis that the obligation under the note is covered by the expression ‘matters relating to a contract’ under Article 5(1)(a) of the Regulation?
Legal framework
European Union (‘EU’) legislation
2. The Regulation entered into force on 1 March 2002. (4) It replaced, in relations between the Member States, (5) the Convention of 27 September 1968 on jurisdiction and the enforcement of judgments in civil and commercial matters (6) (‘the Brussels Convention’).
3. Recitals 11 to 13 in the preamble to the Regulation state:
‘(11) The rules of jurisdiction must be highly predictable and founded on the principle that jurisdiction is generally based on the defendant’s domicile and jurisdiction must always be available on this ground save in a few well-defined situations in which the subject-matter of the litigation or the autonomy of the parties warrants a different linking factor. The domicile of a legal person must be defined autonomously so as to make the common rules more transparent and avoid conflicts of jurisdiction.
(12) In addition to the defendant’s domicile, there should be alternative grounds of jurisdiction based on a close link between the court and the action or in order to facilitate the sound administration of justice.
(13) In relation to … consumer contracts …, the weaker party should be protected by rules of jurisdiction more favourable to his interests than the general rules provide for.’
4. Article 2(1) of the Regulation lays down the general rule that persons domiciled in a Member State are to be sued in the courts of that Member State.
5. Article 5 lays down a series of partial exceptions to that rule. In so far as it extends to disputes relating to contracts, it provides:
‘A person domiciled in a Member State may, in another Member State, be sued:
(1)(a) in matters relating to a contract, in the courts for the place of performance of the obligation in question;
(b) for the purpose of this provision and unless otherwise agreed, the place of performance of the obligation in question shall be:
– in the case of the sale of goods, the place in a Member State where, under the contract, the goods were delivered or should have been delivered,
– in the case of the provision of services, the place in a Member State where, under the contract, the services were provided or should have been provided,
(c) if subparagraph (b) does not apply then subparagraph (a) applies;
…’
6. The rules laid down by Article 5 do not operate so as to exclude the bringing of proceedings in the Member State in which the defendant is domiciled. They merely provide an alternative basis for jurisdiction in the cases to which they apply.
7. Articles 15 and 16 form part of Section 4 of the Regulation, entitled ‘Jurisdiction over consumer contracts’. They state:
‘Article 15
1. In matters relating to a contract concluded by a person, the consumer, for a purpose which can be regarded as being outside his trade or profession, jurisdiction shall be determined by this Section … if:
(a) it is a contract for the sale of goods on instalment credit terms; or
(b) it is a contract for a loan repayable by instalments, or for any other form of credit, made to finance the sale of goods; or
(c) in all other cases, the contract has been concluded with a person who pursues commercial or professional activities in the Member State of the consumer’s domicile or, by any means, directs such activities to that Member State or to several States including that Member State, and the contract falls within the scope of such activities.
…
Article 16
…
(2) Proceedings may be brought against a consumer by the other party to the contract only in the courts of the Member State in which the consumer is domiciled.
…’
8. Although the Regulation replaced the Brussels Convention, the Court has held that the interpretation it has provided in respect of that agreement is also valid as regards the Regulation whenever both sets of provisions may be regarded as equivalent. (7)
National law
9. Paragraph 75 of Title I of Law No 191/1950 (Zákon směnečný a šekový) (Law on bills of exchange and cheques; ‘the ZSS’) lays down certain formal requirements relating to the validity of a promissory note. The note must, inter alia, contain an unconditional promise to pay a determinate sum of money at a specified time and place. By virtue of Paragraph 76, where a promissory note fails to satisfy those requirements, it will, subject to certain exceptions, be invalid.
10. Under Paragraph 10 of Title I of the ZSS, a promissory note which is incomplete when issued is merely ‘inchoate’ in character. When it is subsequently completed, it will be treated as if it had been complete from the time it was issued. There is no rule under national law which makes the validity of such a note dependent on its having been completed in accordance with any agreement entered into in that regard. The note will thus be valid even if the holder completed it in a manner which does not reflect that agreement. However, incorrect completion by the holder will, in most cases, give the debtor a right of objection.
11. By virtue of Paragraph 32(1) and (2) of Title I of the ZSS, the giver of an aval is bound in the same manner as the person for whom he has become guarantor and his undertaking is effective even when the liability which he has guaranteed is itself unenforceable, provided that the reason is not a defect of form.
12. Under national law, a promissory note is regarded as an abstract security which does not have the character of a contract, even though it may be the product, in material form, of the agreement providing for it to be issued. (8)
Facts, procedure and questions referred
13. On 28 April 2004, Feichter-CZ s.r.o. (‘the Borrower’), a company having its seat in the Czech Republic, entered into an overdraft agreement (‘the Credit Agreement’) with Česká Spořitelna a.s. (‘the Lender’), the applicant in the main proceedings, which is also domiciled in that Member State. The loan facility under the Credit Agreement was provided for the Borrower’s business purposes. On the same date, the Borrower executed and delivered to the Lender a promissory note in the sum of CZK 5 000 000 (representing approximately EUR 193 000 at current exchange rates).
14. The note was issued in incomplete form, with details of the amount, date and place of payment being left blank. It was signed on behalf of the Borrower by Mr Feichter, the defendant in the main proceedings, in his capacity as managing director of the Borrower. He also signed as an individual, with the mention ‘per aval’, thereby assuming liability on his own account for payment of the note in accordance with its terms. (9) As well as being closely connected with the Borrower by reason of his being its managing director, Mr Feichter was also, at the time the arrangements were entered into, a 60% shareholder in it. (10)
15. The details of the amount of the note, together with the date and place of payment were subsequently added by the Lender pursuant to a further agreement between the Lender, the Borrower and Mr Feichter (‘the Supplemental Agreement’).
16. Although the note was presented for payment on the due date at the place of payment, it was not honoured.
17. The Lender thereupon brought proceedings against Mr Feichter before the Městský soud v Praze (Prague City Court) seeking payment of the principal sum due under the promissory note, together with interest at 6% a year on that amount from 28 May 2008 until payment and commission of CZK 16 666 (worth approximately EUR 645 at current exchange rates) on the note.
18. Mr Feichter has objected in the course of those proceedings that the Městský soud v Praze has no jurisdiction to hear and determine the case against him. The basis for that objection is that, since he is a natural person who has his domicile in Austria, any proceedings seeking to enforce payment under the promissory note will be subject to the provisions of Articles 15 and 16 of the Regulation relating to jurisdiction over consumer contracts and must, as a result, be brought in that Member State.
19. The national court takes the view that a decision on the interpretation of Article 15 of the Regulation is necessary to enable it to determine whether it has jurisdiction in the case before it. At the same time, and in the interests of procedural economy, it considers that it should also seek guidance on the interpretation of Article 5(1)(a) of the Regulation, in so far as that article may be relevant to determine jurisdiction in the main proceedings if the Court should rule that Article 15 does not apply. It has accordingly decided to refer the following questions to the Court for a preliminary ruling.
‘(1) May the expression “matters concerning a contract concluded by a person, the consumer, for a purpose which can be regarded as being outside his trade or profession” in Article 15(1) of [the Regulation] be interpreted as extending also to claims under a promissory note issued in incomplete form brought by the payee against the giver of the aval for the maker of the note?
(2) Whether the answer to the first question is affirmative or negative, may the expression “matters relating to a contract” in Article 5(1)(a) of [the Regulation] be interpreted in such a way that, having regard exclusively to the content of the document as such, it extends also to claims under a promissory note issued in incomplete form brought by the payee against the giver of the aval for the maker of the note?’
20. Written observations have been submitted by the Lender, the Czech Republic, the Swiss Confederation (11) and the European Commission. At the hearing on 27 June 2012, the Czech Republic and the Commission were represented and made oral submissions to the Court.
Analysis
Preliminary observations
Admissibility
21. According to the Lender, the Court should reject the first question as inadmissible, since it is purely hypothetical. As I understand the Lender’s arguments in that regard, the hypothetical nature of the question is to be inferred from the fact that (in the Lender’s view) Mr Feichter is not to be treated as a consumer for the purposes of Article 15 of the Regulation.
22. The national court has however made it clear in its order for reference that it sees the question of the interpretation of that provision as being crucial to the determination of whether it has jurisdiction in the case before it. Since a material part of Mr Feichter’s defence in the main proceedings appears to be based precisely on the argument that he is a consumer for the purposes of Articles 15 and 16 of the Regulation, there can be no basis on which the first question can be considered to be hypothetical. The objection should therefore be rejected.
Background
23. Before addressing the issues raised in the national court’s order for reference, I shall make one general observation. Particularly, but not exclusively, in business start-up situations, it is normal practice for a lender to a corporate body to make it a precondition of making funds available that a guarantee be provided by one or more of the individuals who owns and/or manages the body concerned. The reason is obvious. The corporate body will, at the time the lending arrangements are entered into, have few or no assets which can be looked to for repayment. While both the lender and the borrower may hope and believe that the business will generate the necessary assets as a result of the funding being made available, such an outcome is not assured. The lender, for sound commercial reasons, must look to an alternative source of repayment in the event that matters do not proceed as planned. Such arrangements are entered into on a daily basis throughout the Union. In no way do they represent anything unusual.
24. The facts of the present case, as described in the order for reference and summarised above, fall within precisely such a category. They are uncluttered by some of the complications that can arise in more complex lending arrangements – where, for example a lender may enter into arrangements with another business party to endorse or transfer a promissory note provided as part of the underlying contractual arrangements. Nor, as the order for reference makes clear, is there any dispute between the parties to the main proceedings as to the place for payment under the promissory note which the Lender seeks to enforce against Mr Feichter, as giver of the aval thereon. The Court is, in other words, asked to consider a series of transactions that must on any basis be considered to be straightforward and they should be analysed as such.
Question 1
25. By its first question, the national court seeks guidance on the application to the main proceedings of the rules governing jurisdiction over consumer contracts laid down in Article 15(1) of the Regulation.
26. Since Articles 15 and 16 constitute a lex specialis in relation to Article 5(1) of the Regulation, (12) it is necessary to determine whether the former apply before considering the relevance of the latter. The rule laid down by Article 16(2) is exclusive. If that provision gives jurisdiction to the courts of the Member State in which Mr Feichter is domiciled, the rules concerning jurisdiction over contractual disputes laid down in Article 5(1) cannot, by definition, be relevant.
27. As the Commission points out, two conditions must be satisfied if Articles 15 and 16 of the Regulation are to apply. First, the contract in question must have been concluded by a consumer. Second, that contract must fall within one of the categories listed in Article 15(1). Those conditions are cumulative.
28. The purpose of the rules laid down in Articles 15 and 16 is to ensure adequate protection for the consumer as the contracting party deemed to be economically weaker and less experienced in legal matters than his professional co-contractor. (13) They thus serve a different objective from that of Article 5 of the Regulation, which is to reflect a close connecting factor between the dispute and the court having jurisdiction by virtue of those exceptions. (14)
29. It is perhaps for that reason that the Court has tended to give Articles 15 and 16 a strict interpretation. (15) Thus, in Benincasa, (16) it held that ‘only contracts concluded for the purpose of satisfying an individual’s own needs in terms of private consumption come under the provisions designed to protect the consumer as the weaker party economically. The specific protection sought to be afforded by those provisions is unwarranted in the case of contracts for the purpose of trade or professional activity’. (17) The provisions will apply only in so far as the action ‘relates generally to a contract concluded by a consumer for a purpose outside his trade or profession’. (18)
30. Applying those principles to the case in the main proceedings, I would offer the following observations.
31. In order to be helpful to this Court, the national court has included particulars of the factual background it believes should be taken into account in considering the issues raised by the questions referred. Those details are narrated in summary in points 13 to 18 above. They include information concerning the purpose for which the Credit Agreement was entered into and Mr Feichter’s role as participant in the documentation made available to the Lender under that agreement and the Supplemental Agreement, including the promissory note. The provision of such particulars by the national court is a standard part of the order for reference procedure. It enables this Court to give a useful answer to the questions referred. The risk is thereby minimised of the Court’s response as regards matters of EU law being hypothetical, failing to address issues that are essential to the resolution of the dispute before the national court or, indeed, addressing matters that are of no relevance to that dispute.
32. In the normal case, it is a matter for the national court to apply that response to the facts of the case before it, although the Court of Justice may give guidance based on the documents in the case and the written and oral observations which have been submitted to it. (19) In certain cases, however, this Court may determine that it can provide the national court with a fuller answer. Thus, in British Telecommunications, (20) a case involving the obligation of a Member State to pay compensation for loss suffered as a result of its failure to transpose a directive correctly into national law, the Court held that: ‘Whilst it is in principle for the national courts to verify whether or not the conditions governing State liability for a breach of Community law are fulfilled, in the present case the Court has all the necessary information to assess whether the facts amount to a sufficiently serious breach of Community law.’ (21)
33. It seems to me that the same principle applies by analogy in the present case. Because the national court has helpfully provided detailed background material, this Court is in a position to verify itself whether the definition of ‘consumer’ for the purposes of Articles 15 and 16 of the Regulation is satisfied in Mr Feichter’s case. Here, there is no suggestion that he assumed obligations either through the aval or under the Supplemental Agreement for the purposes of his private consumption or for a purpose outside his trade or profession. Indeed, the reverse appears to be the case. Those arrangements were entered into in support of a credit facility made available to the Borrower, a commercial entity, for the objectives of its business. That entity was one with which Mr Feichter was closely connected. The name of the business incorporated his surname, he was its managing director and a majority shareholder in the company. (22)
34. I therefore consider that the quality of consumer, which is essential to the objection of lack of jurisdiction entered by Mr Feichter in the main proceedings, is entirely absent in this case. The fact that a defendant may be a natural person and, as such, is likely to be a ‘consumer’ for certain purposes of his daily life does not, of itself, mean that that person will automatically be entitled to invoke Article 15(1) of the Regulation in any action brought against him.
35. That being so, the question whether the contract fell within one of the categories listed in Article 15(1) does not arise.
36. For the sake of completeness, I would add one or two remarks about the nature of a ‘contract concluded by a person, the consumer’ for the purposes of Articles 15 and 16 of the Regulation. As I take the view that this question has no bearing on the resolution of the case before the national court, I shall be brief and make no attempt to delve deeply into it.
37. The situation in the main proceedings represents, it seems to me, a perfect example of a case where a form of guarantee obligation was entered into by an individual that is not covered by the provisions relating to consumers in Articles 15 and 16 of the Regulation. There is no material before the Court to suggest that the (substantial) facility made available to the Borrower and guaranteed by the aval had anything to do with financing a natural person’s individual decisions to purchase consumables.
38. Let us take another example, in order to show the opposite end of the spectrum. A minor wishes to purchase a smartphone but the supplier, which is located in another Member State, refuses to enter into the purchase contract without his parents agreeing to act as guarantors of his obligations under it. The parents provide the necessary guarantee and the minor purchases the smartphone. In the contract entered into with the supplier, the minor is plainly a consumer. Articles 15 and 16 will apply to him in the event of the supplier seeking to bring proceedings against him under the contract.
39. What is the parents’ position? It seems to me that they, too, are entitled to the protection which those provisions afford. Such a result reflects the overall scheme of the Regulation. While they are, one imagines, likely to be more worldly-wise and financially solvent than their offspring, they can none the less be expected to be economically weaker and less experienced in legal matters than the professional co-contractor which the supplier represents. (23) The arrangements involving the parents thus constitute ‘matters relating to a contract concluded by a person, the consumer’ for the purposes of Article 15(1).
40. Interesting though such reflections may be, such an example is very far removed from the circumstances of the present case. Simply put, Mr Feichter is not a ‘consumer’ for the purposes of Articles 15 and 16 of the Regulation.
41. In the light of all the foregoing, I am of the view that the answer to the national court’s first question should be that, where a promissory note forms part of a series of arrangements entered into by a commercial entity for the purposes of its business, and a natural person who gives an aval thereon is closely connected with that entity, the aval is to be treated for the purpose of Article 15(1) of the Regulation as having been given for the purposes of trade or professional activity. It follows that the expression ‘matters relating to a contract concluded by a person, the consumer, for a purpose which can be regarded as being outside his trade or profession’ in Article 15(1) will not apply.
Question 2
42. The essential issue underlying the second question is the applicability of the rules concerning jurisdiction ‘in matters relating to a contract’ laid down in Article 5(1)(a) of the Regulation.
43. The Court has held that, although that provision does not require the conclusion of a contract, there must as a minimum be an identifiable obligation. Such a rule is essential for the application of Article 5(1)(a), since the jurisdiction of the national court is determined by the place of performance of the obligation in question. (24)
44. That obligation must be freely assumed by one party towards another. To interpret the provision without laying down such a requirement would go beyond the situations envisaged by the Regulation. (25) The Court has summarised that requirement by stating that the rule of special jurisdiction laid down in Article 5(1)(a) ‘presupposes the establishment of a legal obligation freely consented to by one person towards another and on which the claimant’s action is based’. (26)
45. That there was a contract between the Lender and the Borrower in the present case is not in doubt. The Lender undertook to provide the Borrower with funds under the Credit Agreement and the Borrower was obliged to repay them in accordance with that agreement. Mr Feichter’s position was different, inasmuch as he was not a party to that agreement. But the giving of the aval under the promissory note still seems to me to represent a legal obligation that was freely consented to by him. By virtue of Paragraph 32(1) and (2) of the ZSS, he was bound in the same manner as the person for whom he had become guarantor, that is to say, the Borrower. (27) That he was not the direct beneficiary of the Lender’s obligations is thus irrelevant for the purposes of establishing jurisdiction under Article 5(1)(a).
46. Nor do I consider that it makes any difference that the promissory note was issued in incomplete form and thus fell, at that stage in its existence, to be classified as ‘inchoate’. It is at the time of bringing proceedings that the question of jurisdiction will crystallise. Indeed, since the note in question was issued in order to secure an overdraft facility, it could not, by definition, be issued in completed form at the time the facility was entered into.
47. I should add that the fact that national law classifies a bill of exchange as an abstract security which does not have the character of a contract (28) does not affect the position. With reference to the Brussels Convention, the Court has repeatedly held that the concepts used in the Convention – and in particular those used in Articles 5(1) and (3) and 13 (29) – must be interpreted independently, by reference principally to the system and objectives of the Convention, in order to ensure that it is uniformly applied in all the Contracting States. (30) I see no reason for the position to differ as regards the Regulation. (31)
48. I accordingly consider that the rule laid down in Article 5(1)(a) of the Regulation is capable of applying to the circumstances of the main proceedings.
49. In order to determine whether it does in fact apply, the national court will have to determine whether the place of performance of the obligation in question is situated within its territorial jurisdiction. (32) Neither of the specific provisions laid down in Article 5(1)(b) will be relevant, since the contract in question does not relate to the sale of goods or the provision of services. It follows that it is the place of payment that will be determinative. The order for reference records that the place for payment under the promissory note is Prague and adds that Mr Feichter takes no issue with that point. I would merely add that an arrangement whereby repayment of sums advanced is to be made in the lender’s place of business must, on any basis, be taken to represent normal practice under commercial lending agreements.
50. At first sight, that would appear to be an end to the matter. Since the parties are not in dispute as to the place of performance of the obligation which is determinative of jurisdiction, the court before which proceedings are brought may assume jurisdiction.
51. The national court, however, asks whether the fact that the promissory note was blank when issued and subsequently completed by the Lender has any effect on the position. It notes that the possibility cannot be ruled out that the place of payment was inserted in breach of the terms of the Supplemental Agreement or that that agreement was void for uncertainty or on other grounds. If that were the case, it would not be possible to speak of an obligation that had been freely assumed by one party towards another. (33)
52. I understand that point. However, since there does not appear to be any challenge on Mr Feichter’s part to the place of performance, the issue does not seem to arise in the present case. If, however, the place of payment under the promissory note were challenged, on whatever basis, I would make the following observations.
53. In referring to an obligation that has been freely assumed by one party towards another, the Court was describing how the notion of ‘contract’ falls to be understood for the purposes of the Regulation. If the guidelines laid down by the Court cannot be satisfied in a particular case, the expression ‘matters relating to a contract’ cannot be founded on in order to determine jurisdiction before a national court. But that does not mean that the expression cannot apply if the tenor of that obligation is in dispute.
54. Indeed, it is in the nature of the Regulation that its provisions may operate precisely where there is a disagreement. In a different but none the less closely-related context, the Court has held that Article 5(1)(a) will apply even where the existence of the contract on which the claim is based is in dispute between the parties. (34) If the position were otherwise, that provision would be in danger of being deprived of its effect, since it would be sufficient, in order to defeat the rule it lays down, for one of the parties to claim that the contract does not exist.
55. It seems to me that the same reasoning applies here by analogy. It would be very easy for a defendant who wished to override the Regulation to dispute, not the existence of the entire contract on which the claim is based, but a provision of that contract on which jurisdiction could otherwise be founded. To allow such an argument to succeed would risk defeating the whole object of the legislation, one of the primary aims of which is to provide certainty in the area it is designed to cover. (35)
56. Equally, though, it should not be open to an unscrupulous or ill‑advised applicant to assert jurisdiction on spurious grounds simply by asserting, without any legal basis for doing so, that a contract provides for the obligation purportedly founding jurisdiction to be performed in a particular place.
57. If, in proceedings involving ‘matters relating to a contract’ for the purpose of Article 5(1)(a) of the Regulation, there is a dispute as to the place of performance of the obligation in question, I suggest that the national court should first consider the defendant’s objection in that regard. If that objection is manifestly well founded, it should decline jurisdiction, unless it is plain that there are other, properly-substantiated, grounds on which it might proceed to determine the case before it. Next, and if necessary, it should consider the ground on which the applicant bases his claim of jurisdiction. If that ground is patently unfounded, the national court should decline to entertain the case before it. If (as may more commonly be the case), the true position is more difficult to ascertain, the court should determine whether the applicant has made out a prima facie case as regards the applicability of the relevant provision of the Regulation. If it finds that such a case exists, it may proceed to accept jurisdiction.
58. For all of the above reasons, I am of the view that the answer to the national court’s second question should be that the expression ‘matters relating to a contract’ in Article 5(1)(a) of the Regulation extends to claims under a promissory note originally issued in incomplete form (but subsequently completed) brought by the payee against the giver of the aval for the maker of the note.
Concluding remarks
59. Applying the conclusions set out above to the case before the national court, it seems to me to be clear that that court will have jurisdiction to hear and determine the case in the main proceedings. Such a result seems to me not only to reflect the terms and overall scheme of the Regulation, it also seems to me to reflect the underlying reality of the situation. Indeed, if the outcome of the application of the Regulation were to be otherwise in a case such as this, the result would, I suggest, be manifestly absurd.
60. Let me take as an illustration the situation of lending institutions based in a new Member State (say, somewhere in the Balkans). A number of companies based in other Member States wish to set up subsidiaries to trade there, with a view to expanding their business. Those subsidiaries have, at the relevant time, no assets or no worthwhile assets to speak of. The lenders make it a condition of their making funds available that guarantees are provided by the individuals who are the managers and/or ultimate owners of the subsidiaries. Among the guarantors under those arrangements are a number of individuals domiciled in (let us say) Finland and Lithuania. It seems to me that it cannot be remotely conceivable, nor should it be conceivable, that the lenders in question should be unable to bring proceedings for the enforcement of the guarantees in question in their own Member State. Any other result would fly in the face of reality.
Conclusion
61. For all of the above reasons, I propose that the Court should answer the questions referred by the Městký soud v Praze as follows:
(1) Where a promissory note forms part of a series of arrangements entered into by a commercial entity for the purposes of its business, and a natural person who gives an aval thereon is closely connected with that entity, the aval is to be treated for the purpose of Article 15(1) of Council Regulation (EC) No 44/2001 of 22 December 2000 on jurisdiction and the recognition and enforcement of judgments in civil and commercial matters as having been given for the purposes of trade or professional activity. It follows that the expression ‘matters relating to a contract concluded by a person, the consumer, for a purpose which can be regarded as being outside his trade or profession’ in Article 15(1) of the Regulation will not apply.
(2) The expression ‘matters relating to a contract’ in Article 5(1)(a) of the Regulation extends to claims under a promissory note originally issued in incomplete form (but subsequently completed) brought by the payee against the giver of the aval for the maker of the note.