Judgment of the Court (Third Chamber) of 3 October 2019

Kamil Dziubak and Justyna Dziubak v Raiffeisen Bank International AG, prowadzący działalność w Polsce w formie oddziału pod nazwą Raiffeisen Bank International AG Oddział w Polsce, anciennement Raiffeisen Bank Polska SA

Request for a preliminary ruling from the Sąd Okręgowy w Warszawie

Reference for a preliminary ruling — Directive 93/13/EEC — Consumer contracts — Unfair terms — Mortgage loan indexed to a foreign currency — Term relating to arrangement of the exchange rate between the currencies — Effects of a declaration that a term is unfair — Whether it is possible for the court to remedy unfair terms by having recourse to general terms of civil law — Assessment of the consumer’s interests — Continued existence of the contract without unfair terms

Case C-260/18


Top of the page Documents in the Case
Document Date Name of the parties Subject-matter Curia EUR-Lex
Judgment (OJ)
22/11/2019 Dziubak
Judgment
ECLI:EU:C:2019:819
03/10/2019 Dziubak
EUR-Lex text EUR-Lex bilingual text
Opinion
ECLI:EU:C:2019:405
14/05/2019 Dziubak
EUR-Lex text EUR-Lex bilingual text
Application (OJ)
06/07/2018 Dziubak
Top of the page Legal analysis of the decision or of the case

Reports of Cases

published in the electronic Reports of Cases (Court Reports - general)

Subject-matter

Information not available

Systematic classification scheme

1.
4 Internal policy of the European Union
  4.18 Consumer protection
    4.18.04 Unfair terms
      4.18.04.04 Effects of a declaration that a term is unfair
4 Internal policy of the European Union
  4.18 Consumer protection
    4.18.04 Unfair terms
      4.18.04.03 Powers and obligations of the national court
4 Internal policy of the European Union
  4.18 Consumer protection
    4.18.04 Unfair terms
      4.18.04.04 Effects of a declaration that a term is unfair
4 Internal policy of the European Union
  4.18 Consumer protection
    4.18.04 Unfair terms
      4.18.04.04 Effects of a declaration that a term is unfair
4 Internal policy of the European Union
  4.18 Consumer protection
    4.18.04 Unfair terms
      4.18.04.04 Effects of a declaration that a term is unfair
4 Internal policy of the European Union
  4.18 Consumer protection
    4.18.04 Unfair terms
      4.18.04.04 Effects of a declaration that a term is unfair


Citations of case-law or legislation

References in grounds of judgment

Operative part

Opinion


Dates

Date of the lodging of the application initiating proceedings

  • 16/04/2018

Date of the Opinion

  • 14/05/2019

Date of the hearing

Information not available

Date of delivery

03/10/2019


References

Publication in the Official Journal

Judgment: OJ C 413 from 09.12.2019, p.11

Application: OJ C 259 from 23.07.2018, p.19

Name of the parties

Dziubak

Notes on Academic Writings

  1. Paisant, Gilles: Prêt à la consommation basé sur une devise étrangère et clauses abusives, La Semaine Juridique - édition générale 2019 nº 44-45 p.1951-1955 (FR)
  2. Hojnik, Janja: Interesi potrošnikov pri hipotekarnih kreditih vezanih na tujo valuto, Davčno-finančna praksa : davki, finance, zavarovalnistvo 2019 n° 10 p.22-26 (SL)
  3. Paisant, Gilles: Prêt à la consommation basé sur une devise étrangère et clauses abusives, La Semaine Juridique - entreprise et affaires 2019 nº 48 p.42-44 (FR)
  4. Péraldi Leneuf, Fabienne: Protection des consommateurs. Clauses abusives, Europe 2019 Décembre Comm. nº 12 p.41-42 (FR)
  5. : C-260/18. sz. Kamil Dziubak és Justyna Dziubak kontra Raiffeisen Bank International AG, prowadzqcy dzialalnosé w Polsce w formie oddzialu pod nazwq Raiffeisen Bank International AG Oddzial w Polsce, anciennement Raiffeisen Bank Polska SA ügyben 2019. október 3-án hozott ítélet, Kúriai Döntések : Bírósági Határozatok 2019 12. szám p. 1621-1626 (HU)
  6. Pavillon, C.M.D.S.: HvJ EU 03-10-2019, C-260/18 : noot, Nederlandse jurisprudentie ; Uitspraken in burgerlijke en strafzaken 2020 nº 35/36 p. 4646-4649 (NL)
  7. Werbrouck, Jarich: Het Dziubak-arrest en de aanvulling van de overeenkomst na weglating van een oneerlijk beding : to supplement, or not to supplement (that is the question) : noot, Droit de la consommation 2020 nº 129 p. 97-123 (NL)
  8. Straetmans, Gert ; Verbergt, Th.: Kredietovereenkomsten geïndexeerd op vreemde valuta herbezocht : over nietigheid van een wisselkoersverschilbeding, aanvullend recht en consumentenbescherming, DA, le droit des affaires / OR, het ondernemingsrecht 2020 p. 65-79 (NL)
  9. Wiewiórowska-Domagalska, Aneta: Unfair Contract Terms in CHF Mortage Loans Case C-260/18 Dziubak – where do we go from here?, Journal of European Consumer and Market Law 2020 n° 5 p. 206-212 (EN)
  10. Straetmans, Gert ; Verbergt, Th.: Kredietovereenkomsten geïndexeerd op vreemde valuta herbezocht : over nietigheid van een wisselkoersverschilbeding, aanvullend recht en consumentenbescherming : C-260/18 : het arrest-Dziubak, DA, le droit des affaires / OR, het ondernemingsrecht 2020 p. 65-79 (NL)



Procedural Analysis Information

Source of the question referred for a preliminary ruling

Sąd Okręgowy w Warszawie - Poland

Subject-matter

  • Approximation of laws
  • Consumer protection

Provisions of national law referred to

Information not available

Provisions of international law referred to

Information not available

Procedure and result

  • Reference for a preliminary ruling

Formation of the Court

troisième chambre (Cour)

Judge-Rapporteur

Prechal

Advocate General

Pitruzzella

Language(s) of the Case

  • Polish

Language(s) of the Opinion

  • Italian