Judgment of the Court (Fourth Chamber) of 9 July 2020

SC Raiffeisen Bank SA and BRD Groupe Societé Générale SA v JB and KC

Requests for a preliminary ruling from the Tribunalul Specializat Mureş

Reference for a preliminary ruling — Directive 93/13/EEC — Personal loan agreement — Contract performed in full — Finding that contractual terms are unfair — Action for reimbursement of sums unduly paid on the basis of an unfair clause — Judicial arrangements — Ordinary legal action not subject to any limitation period — Ordinary legal action of a personal and pecuniary nature subject to a limitation period– Point from which the limitation period starts to run — Objective point in time at which the consumer knows of the existence of the unfair term

Joined Cases C-698/18 and C-699/18


Top of the page Documents in the Case
Document Date Name of the parties Subject-matter Curia EUR-Lex
Judgment (OJ)
14/08/2020 Raiffeisen Bank
Judgment
ECLI:EU:C:2020:537
09/07/2020 Raiffeisen Bank
EUR-Lex text EUR-Lex bilingual text
Opinion
ECLI:EU:C:2020:181
05/03/2020 Raiffeisen Bank
EUR-Lex text EUR-Lex bilingual text
Request for a preliminary ruling
07/11/2018 Raiffeisen Bank
Top of the page Legal analysis of the decision or of the case

Reports of Cases

not yet published (Court Reports - general)

Subject-matter

Information not available

Systematic classification scheme

Information not available


Citations of case-law or legislation

References in grounds of judgment

  • TFEU, Article 267 : paragraph 46
  • Directive 93/13 : paragraphs 27, 35, 44, 47, 55, 65 - 67, 72, 73, 75, 80, 81
  • Directive 93/13 -A02LB : paragraphs 1, 4, 39, 49, 58, 59, 69 - 71, 74, 83
  • Directive 93/13 -A02LC : paragraph 69
  • Directive 93/13 -A06 : paragraph 51
  • Directive 93/13 -A06P1 : paragraphs 1, 5, 39, 49, 50, 54, 58, 59, 83
  • Directive 93/13 -A07P1 : paragraphs 1, 6, 49, 52, 58, 59, 83
  • Directive 93/13 -A07P2 : paragraphs 6, 39
  • Directive 93/13 -A08 : paragraphs 7, 39
  • Directive 93/13 -A10P1L2 : paragraphs 8, 42
  • Directive 93/13 -C10 : paragraphs 3, 69
  • Directive 93/13 -C12 : paragraphs 3, 39
  • Directive 93/13 -C21 : paragraphs 3, 39
  • Directive 93/13 -C23 : paragraphs 3, 39
  • Directive 93/13 -C24 : paragraphs 3, 52
  • Court of Justice - Judgment C -473/00 -N38 : paragraph 55
  • Court of Justice - Judgment C -168/05 -N24 : paragraph 57
  • Court of Justice - Judgment C -40/08 -N41 : paragraph 56
  • Court of Justice - Judgment C -165/09 -N47 : paragraph 46
  • Court of Justice - Judgment C -470/12 -N47 : paragraph 76
  • Court of Justice - Judgment C -26/13 -N78 : paragraph 52
  • Court of Justice - Judgment C -567/13 -N44 : paragraph 77
  • Court of Justice - Judgment C -8/14 -N27 : paragraph 61
  • Court of Justice - Judgment C -8/14 -N28 : paragraph 62
  • Court of Justice - Judgment C -8/14 -N29 : paragraph 62
  • Court of Justice - Order C -92/14 -N27 : paragraph 41
  • Court of Justice - Order C -92/14 -N28 : paragraph 42
  • Court of Justice - Judgment C -154/15 -N56 : paragraph 52
  • Court of Justice - Judgment C -154/15 -N61 : paragraph 54
  • Court of Justice - Judgment C -154/15 -N62 : paragraph 54
  • Court of Justice - Judgment C -154/15 -N68 : paragraph 56
  • Court of Justice - Judgment C -154/15 -N69 : paragraph 56
  • Court of Justice - Judgment C -51/17 -N89 : paragraph 51
  • Court of Justice - Judgment C -176/17 -N69 : paragraph 65
  • Court of Justice - Judgment C -590/17 -N19 : paragraph 69
  • Court of Justice - Judgment C -590/17 -N22 : paragraph 70
  • Court of Justice - Opinion C -698/18 : paragraphs 61, 73, 80
  • Court of Justice - Judgment C -407/18 -N48 : paragraph 60
  • Court of Justice - Judgment C -419/18 -N47 : paragraph 53
  • Court of Justice - Judgment C -453/18 -N40 : paragraph 66
  • Court of Justice - Judgment C -627/18 -N60 : paragraph 81

Operative part

  • Interprets : Directive 93/13 -A02LB
  • Interprets : Directive 93/13 -A06P1
  • Interprets : Directive 93/13 -A07P1

Opinion


Dates

Date of the lodging of the application initiating proceedings

  • 07/11/2018

Date of the Opinion

  • 05/03/2020

Date of the hearing

Information not available

Date of delivery

09/07/2020


References

Publication in the Official Journal

Information not available

Name of the parties

Raiffeisen Bank

Notes on Academic Writings

Information not available



Procedural Analysis Information

Source of the question referred for a preliminary ruling

Tribunalul Specializat Mureş - Romania

Subject-matter

  • Approximation of laws
  • Consumer protection

Provisions of national law referred to

Legea nr. 193/2000 privind clauzele abuzive din contractele încheiate între comercianţi și consumatori, art. 1, art. 2, art. 6, art. 12 si art. 14, 06/11/2000 Codul civil, art. 993, art. 994, art. 1092, 26/11/1864 Decret nr. 167 privitor la prescriptia extinctiva, art. 1, art. 2, art. 7, art. 8, 09/04/1958

Legea nr. 193/2000 privind clauzele abuzive din contractele încheiate între comercianţi și consumatori, art. 1, art. 2, art. 6, art. 12 si art. 14, 06/11/2000 Codul civil, art. 993, art. 994, art. 1088 si art. 1092, 26/11/1864 Decret nr. 167 privitor la prescriptia extinctiva, art. 1, art. 2, art. 7, art. 8, 09/04/1958

Provisions of international law referred to

Information not available

Procedure and result

  • Reference for a preliminary ruling
  • Reference for a preliminary ruling : dismissal on grounds of inadmissibility

Formation of the Court

quatrième chambre (Cour)

Judge-Rapporteur

Rodin

Advocate General

Szpunar

Language(s) of the Case

  • Romanian

Language(s) of the Opinion

  • French