Reports of Cases
published in the electronic Reports of Cases (Court Reports - general)
Subject-matter
Reference for a preliminary ruling – Audiencia Provincial de Barcelona - Interpretation of Art. 6(1) of Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts (OJ 1993 L 95, p. 29), of Art. 11(2) of Directive 2005/29/EC of the European Parliament and of the Council of 11 May 2005 concerning unfair business-to-consumer commercial practices in the internal market and amending Council Directive 84/450/EEC, Directives 97/7/EC, 98/27/EC and 2002/65/EC of the European Parliament and of the Council and Regulation (EC) No 2006/2004 of the European Parliament and of the Council (OJ 2005 L 149, p. 22), of Arts 5, 6(2), 7 and 10 of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC (OJ 2008 L 133) (OJ 2008 L 133, p. 66) and of Art. 2 of Directive 2009/22/EC of the European Parliament and of the Council of 23 April 2009 on injunctions for the protection of consumers’ interests (OJ 2009 L 110, p. 30) – Consumer credit – Interest rates applicable in the event of late payment – Unfair terms – Order for payment procedure – Powers of the national court
Systematic classification scheme
1.
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4 Internal policy of the European Union
4.18 Consumer protection
4.18.04 Unfair terms
4.18.04.00 General
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4.18.04.03 Powers and obligations of the national court
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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
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1 The legal order of the European Union
1.05 EU law and national law
1.05.02 Implementation of EU law within the national legal system
1.05.02.00 General
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4.18.04.03 Powers and obligations of the national court
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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
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1.07 Interpretation of EU law
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1 The legal order of the European Union
1.07 Interpretation of EU law
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4.18.04.04 Effects of a declaration that a term is unfair
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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
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1 The legal order of the European Union
1.05 EU law and national law
1.05.02 Implementation of EU law within the national legal system
1.05.02.00 General
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2 Institutional framework of the European Union
2.05 Legal acts of the European Union
2.05.03 Directives
2.05.03.00 General
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3.04.02 Jurisdiction of the Court of Justice
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3 Legal proceedings
3.04 Reference for a preliminary ruling
3.04.02 Jurisdiction of the Court of Justice
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Citations of case-law or legislation
References in grounds of judgment
-
TFEU, Article 267
: paragraph 76
-
Directive 87/102
: paragraphs 3, 82, 84
-
Directive 87/102
-A07 : paragraph 4
-
Directive 93/13
: paragraphs 38, 39, 41, 44, 45, 53 - 57, 66
-
Directive 93/13
-A06 : paragraphs 8, 48, 65
-
Directive 93/13
-A06P1 : paragraphs 1, 37, 40, 58 - 73
-
Directive 93/13
-A07 : paragraph 69
-
Directive 93/13
-A07P1 : paragraphs 9, 68
-
Directive 93/13
-A08 : paragraphs 10, 70
-
Directive 93/13
-C12 : paragraph 5
-
Directive 93/13
-C21 : paragraph 6
-
Directive 93/13
-C24 : paragraph 7
-
Directive 2005/29
: paragraphs 74, 85, 87
-
Directive 2005/29
-A11P1 : paragraph 11
-
Directive 2005/29
-A11P2 : paragraphs 1, 11, 37, 85
-
Regulation 1896/2006
: paragraphs 1, 37, 74, 79
-
Regulation 1896/2006
-A01 : paragraph 13
-
Regulation 1896/2006
-A01P1 : paragraph 79
-
Regulation 1896/2006
-C10 : paragraph 12
-
Directive 2008/48
-A01 : paragraph 14
-
Directive 2008/48
-A05P1 : paragraph 15
-
Directive 2008/48
-A05P1LL : paragraphs 1, 37, 74, 80
-
Directive 2008/48
-A05P1LM : paragraphs 1, 37, 74, 80
-
Directive 2008/48
-A06 : paragraphs 1, 37, 74, 80
-
Directive 2008/48
-A06P2 : paragraphs 37, 82
-
Directive 2008/48
-A07 : paragraphs 1, 37, 74, 82
-
Directive 2008/48
-A10P2 : paragraph 16
-
Directive 2008/48
-A10P2LL : paragraphs 1, 37, 74, 80
-
Directive 2008/48
-A27 : paragraph 81
-
Directive 2008/48
-A29 : paragraph 81
-
Directive 2008/48
-A30P1 : paragraph 81
-
Directive 2008/48
-A31 : paragraph 81
-
Directive 2009/22
-A01P1 : paragraph 17
-
Directive 2009/22
-A02 : paragraphs 1, 18, 37, 58, 60
-
Directive 2009/22
-A03 : paragraph 59
-
Court of Justice - Judgment C -107/98
: paragraph 83
-
Court of Justice - Judgment C -240/98
: paragraphs 39, 41
-
Court of Justice - Judgment C -473/00
: paragraph 53
-
Court of Justice - Judgment C -145/03
: paragraph 76
-
Court of Justice - Judgment C -94/04
: paragraph 77
-
Court of Justice - Judgment C -119/05
: paragraph 76
-
Court of Justice - Judgment C -168/05
: paragraphs 39 - 42, 46, 67
-
Court of Justice - Judgment C -11/07
: paragraph 76
-
Court of Justice - Judgment C -213/07
: paragraph 58
-
Court of Justice - Judgment C -482/07
: paragraph 61
-
Court of Justice - Judgment C -570/07
: paragraph 77
-
Court of Justice - Judgment C -40/08
: paragraphs 39 - 42, 46, 49, 63, 67
-
Court of Justice - Judgment C -137/08
: paragraphs 40 - 42, 44, 45
-
Court of Justice - Judgment C -243/08
: paragraphs 42, 43, 45, 55, 67
-
Court of Justice - Judgment C -484/08
: paragraph 70
-
Court of Justice - Opinion C -618/10
: paragraphs 69, 83, 85
-
Court of Justice - Judgment C -125/10
: paragraph 61
-
Court of Justice - Judgment C -282/10
: paragraph 72
-
Court of Justice - Judgment C -453/10
: paragraphs 40, 63, 70
-
Court of Justice - Order C -76/10
: paragraphs 63, 69
Operative part
Opinion
-
EC Treaty (Amsterdam), Article 288
-L3 : point 89
-
TFEU, Article 81
-P2LF : point 58
-
Directive 85/577
-A04 : point 71
-
Directive 87/102
: point 95
-
Directive 87/102
-A06P1 : point 99
-
Directive 87/102
-A06P2 : points 97, 99
-
Directive 87/102
-A07 : points 97, 100
-
Directive 93/13
: points 1, 4, 31, 38, 60, 62, 65, 74, 77, 87, 88
-
Directive 93/13
-A01P1 : point 5
-
Directive 93/13
-A03 : points 6, 41
-
Directive 93/13
-A03P1 : point 53
-
Directive 93/13
-A03P3 : points 7, 43
-
Directive 93/13
-A04 : points 42, 53
-
Directive 93/13
-A04P1 : point 8
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Directive 93/13
-A06 : points 30, 55, 69
-
Directive 93/13
-A06P1 : points 9, 18, 28, 29, 80, 82 - 86, 89, 107
-
Directive 93/13
-A07 : points 30, 69
-
Directive 93/13
-A07P1 : points 10, 67, 75, 86
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Directive 93/13
-A08 : points 79, 93
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Directive 93/13
-C12 : point 79
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Directive 93/13
-C17 : point 43
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Directive 93/13
-N : point 7
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Directive 93/13
-NPT1LQ : point 39
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Regulation 805/2004
: point 92
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Directive 2005/29
: points 1, 103, 106
-
Directive 2005/29
-A11P1 : points 102, 105
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Directive 2005/29
-A11P2 : points 18, 104
-
Regulation 1896/2006
: points 1, 18, 25, 91, 107
-
Regulation 1896/2006
-A01P2 : point 92
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Regulation 1896/2006
-A02 : point 90
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Regulation 1896/2006
-A04 : point 92
-
Regulation 1896/2006
-A07 : points 90, 92
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Regulation 1896/2006
-C10 : point 92
-
Directive 2008/48
: points 1, 94, 96, 97
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Directive 2008/48
-A05LL : point 18
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Directive 2008/48
-A05LM : point 18
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Directive 2008/48
-A06P2 : point 18
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Directive 2008/48
-A07 : point 18
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Directive 2008/48
-A10LL : point 18
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Directive 2008/48
-A11 : point 95
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Directive 2008/48
-A12 : point 95
-
Directive 2008/48
-A13 : point 95
-
Directive 2008/48
-A17 : point 95
-
Directive 2008/48
-A18P1 : point 95
-
Directive 2008/48
-A18P2 : point 95
-
Directive 2008/48
-A30 : point 95
-
Directive 2009/22
: point 1
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Directive 2009/22
-A02 : points 18, 80
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Directive 2011/83
: point 4
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Court of Justice - Judgment C -32/62
: point 52
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Court of Justice - Judgment C -24/64
: point 81
-
Court of Justice - Judgment C -33/65
: point 81
-
Court of Justice - Judgment C -80/71
: point 81
-
Court of Justice - Judgment C -33/76
: point 58
-
Court of Justice - Judgment C -45/76
: point 58
-
Court of Justice - Judgment C -136/79
: point 52
-
Court of Justice - Judgment C -244/80
: point 91
-
Court of Justice - Judgment C -373/90
: point 73
-
Court of Justice - Judgment C -292/92
: point 81
-
Court of Justice - Judgment C -415/93
: point 91
-
Court of Justice - Judgment C -422/93
: point 91
-
Court of Justice - Judgment C -430/93
: point 59
-
Court of Justice - Judgment C -261/95
: point 64
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Court of Justice - Judgment C -48/96
: point 52
-
Court of Justice - Judgment C -210/96
: point 73
-
Court of Justice - Judgment C -231/96
: point 62
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Court of Justice - Judgment C -279/96
: point 59
-
Court of Justice - Judgment C -314/96
: point 91
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Court of Justice - Judgment C -326/96
: points 59, 62 - 64
-
Court of Justice - Judgment C -108/97
: point 73
-
Court of Justice - Judgment C -78/98
: points 59, 62, 63
-
Court of Justice - Judgment C -107/98
: point 81
-
Court of Justice - Judgment C -220/98
: point 73
-
Court of Justice - Judgment C -240/98
: points 29, 30, 40, 45, 46
-
Court of Justice - Judgment C -379/98
: point 91
-
Court of Justice - Judgment C -425/98
: point 81
-
Court of Justice - Judgment C -30/99
: point 73
-
Court of Justice - Judgment C -223/99
: point 81
-
Court of Justice - Judgment C -363/99
: point 73
-
Court of Justice - Judgment C -453/99
: point 58
-
Court of Justice - Judgment C -472/99
: point 59
-
Court of Justice - Judgment C -478/99
: point 43
-
Court of Justice - Judgment C -129/00
: point 59
-
Court of Justice - Judgment C -473/00
: point 30
-
Court of Justice - Judgment C -13/01
: point 58
-
Court of Justice - Judgment C -18/01
: point 91
-
Court of Justice - Judgment C -44/01
: point 73
-
Court of Justice - Judgment C -99/01
: point 73
-
Court of Justice - Judgment C -218/01
: point 73
-
Court of Justice - Judgment C -380/01
: point 91
-
Court of Justice - Judgment C -397/01
: point 89
-
Court of Justice - Judgment C -237/02
: point 43
-
Court of Justice - Opinion C -302/04
: point 88
-
Court of Justice - Judgment C -237/04
: point 81
-
Court of Justice - Judgment C -356/04
: point 73
-
Court of Justice - Judgment C -392/04
: points 59, 62
-
Court of Justice - Judgment C -421/04
: point 73
-
Court of Justice - Judgment C -168/05
: points 29, 30, 59, 72
-
Court of Justice - Judgment C -222/05
: point 59
-
Court of Justice - Judgment C -295/05
: point 91
-
Court of Justice - Judgment C -380/05
: point 81
-
Court of Justice - Judgment C -432/05
: point 58
-
Court of Justice - Judgment C -212/06
: point 91
-
Court of Justice - Judgment C -213/07
: point 81
-
Court of Justice - Judgment C -261/07
: point 91
-
Court of Justice - Opinion C -40/08
: point 72
-
Court of Justice - Opinion C -137/08
: points 41, 44 - 46
-
Court of Justice - Opinion C -227/08
: point 71
-
Court of Justice - Opinion C -484/08
: point 79
-
Court of Justice - Judgment C -2/08
: point 59
-
Court of Justice - Judgment C -40/08
: points 30, 60, 64, 72, 73
-
Court of Justice - Judgment C -63/08
: point 63
-
Court of Justice - Judgment C -118/08
: point 62
-
Court of Justice - Judgment C -137/08
: points 31, 32, 35, 36 - 40, 45, 46, 48, 77
-
Court of Justice - Judgment C -227/08
: point 71
-
Court of Justice - Judgment C -243/08
: points 29, 31, 32, 43, 70, 71, 73
-
Court of Justice - Judgment C -484/08
: point 79
-
Court of Justice - Judgment C -540/08
: point 105
-
Court of Justice - Judgment C -246/09
: points 58, 63
-
Court of Justice - Judgment C -177/10
: points 59, 63, 64
Dates
Date of the lodging of the application initiating proceedings
Date of the Opinion
Date of the hearing
Information not available
Date of delivery
14/06/2012
References
Publication in the Official Journal
Application: OJ C 95 from 26.03.2011, p.2
Judgment: OJ C 227 from 28.07.2012, p.5
Name of the parties
Banco Español de Crédito
Notes on Academic Writings
- Mok, M.R.: Nederlandse jurisprudentie ; Uitspraken in burgerlijke en strafzaken 2012 nº 512 (NL)
- Slonina, Michael: Amtsprüfung eines Verstoßes gegen die Klauselrichtlinie im nationalen Mahnverfahren, Ecolex 2012 p.697-698 (DE)
- Paisant, Gilles: L'élargissement, par la CJUE, du pouvoir d'office du juge et le refus de la révision d'une clause déclarée abusive, La Semaine Juridique - édition générale 2012 nº 37 p.1637-1640 (FR)
- Verhoeven, M.J.M.: Administratiefrechtelijke beslissingen ; Rechtspraak bestuursrecht 2012 nº 359 (NL)
- Diallo, Thierno: Clauses abusives: les pouvoirs du juge précisés, Revue Lamy droit des affaires 2012 nº 74 p.54-55 (FR)
- Meister, Marie: Clauses abusives, Europe 2012 Août-Septembre Comm. nº 8-9 p.53-54 (FR)
- Loos, M.B.M.: Rechtsgevolgen van onredelijk bezwarende bedingen in algemene voorwaarden, Weekblad voor privaatrecht, notariaat en registratie 2012 p.561-562 (NL)
- Knoblochová, Věra: Zneužívající smluvní ujedbnání - další krok k ochraně spotřebitelů, Jurisprudence : specialista na komentování judikatury 2012 p.89-94 (CS)
- Wendenburg, Albrecht: Verbraucherrecht: Prüfung missbräuchlicher Klauseln im Mahnverfahren und geltungserhaltende Reduktion, Europäische Zeitschrift für Wirtschaftsrecht 2012 p.758-760 (DE)
- Schlosser, Peter: Todesstoß für ergänzende Vertragsauslegung von AGB-Bestandteilen in Verbraucherverträgen?, Praxis des internationalen Privat- und Verfahrensrechts 2012 p.507-515 (DE)
- Rott, Peter: Case note on Banco Español de Crédito SA v Joaquín Calderón Camino, European Review of Contract Law 2012 p.470-480 (EN)
- Hau, Wolfgang: Europarecht. Bürgerliches Recht, Juristenzeitung 2012 p.964-966 (DE)
- Lo Schiavo, G.: La jurisprudence de la Cour de justice et du Tribunal de l'Union européenne. Chronique des arrêts. Arrêt « Banco Español de Crédito SA c. Joaquín Calderón Camino », Revue du droit de l'Union européenne 2012 nº 3 p.564-568 (FR)
- Piedelièvre, Stéphane ; Mathieu, Marie-Élisabeth: Chronique de jurisprudence. Consommation, Gazette du Palais 2012 nº 340 à 341 Jur. p.19-21 (FR)
- Ayad, Patrick: "AGB-Prüfung im Mahnverfahren und Verbot der geltungserhaltenden Reduktion - EuGH legt nationales AGB-Recht unionsrechtlich streng aus", Betriebs-Berater 2012 p.2716-2717 (DE)
- Combet, Mathieu: L'office du juge dans la lutte conte les clauses abusives: entre cohérence et protection du consommateur dans le marché intérieur, Revue Lamy droit des affaires 2012 nº 77 p.52-53 (FR)
- Schauer, Martin: Der EuGH und die ergänzende Vertragsauslegung: Konsequenzen der Entscheidung C-618/10, Banesto, Österreichisches Recht der Wirtschaft 2012 p.639-643 (DE)
- Loos, M.B.M.: Tijdschrift voor consumentenrecht en handelspraktijken 2012 p.289-290 (NL)
- Beka, Anthi: Commentary note on Case C-618/10 Banco Español de Crédito SA v Joaquín Calderón Camino, judgment of 14 June 2012, Zeitschrift für Gemeinschaftsprivatrecht 2012 p.326-328 (EN)
- Skubic, Zoran: Nedovoljeni pogoji v potrošniških kreditnih pogodbah po pravu EU in nedopustne pristojnosti sodišč držav članic, Pravna praksa 2012 nº 24-25 p.35 (SL)
- Ljubimski, Janč: Je nepoštenim potrošniškim kreditnim razmerjem Sodišče EU zaprlo stranska vrata tudi v Sloveniji?, Pravna praksa 2012 nº 33 p.6-9 (SL)
- Borrás, Alegría ; Pellisé, Cristina: Jurisprudencia del Tribunal de Justicia de la Unión Europea - Protección de los consumidores - Sentencia de 14 de junio de 2012, Asunto C-618/10, Banco Español de Crédito, S.A., y Joaquín Calderón Camino, Revista Jurídica de Catalunya 2012 nº 4 p.267-270 (ES)
- Hondius, E.H.: Terug naar Banesto: de afwijzing van geltungserhaltende Reduktion, Weekblad voor privaatrecht, notariaat en registratie 2013 p.203-204 (NL)
- Peeraer, Frederik: Het volledige verbod op herziening van onrechtmatige bedingen: de botte fijl van het Hof van Justite?, Tijdschrift voor Belgisch burgerlijk recht 2013 p.320-331 (NL)
- Correa Delcasso, Jean Paul: Ius & Actores 2013 p.139-147 (FR)
- Prader, Christian ; Walzel von Wiesentreu, Thomas: Verbot der geltungserhaltenden Reduktion, Zulässigkeit der ergänzenden Vertragsauslegung oder wie?, Österreichisches Recht der Wirtschaft 2013 p.383-386 (DE)
- Stürrner, Michael: Amtsprüfung im Mahnverfahren und Unzulässigkeit der Vertragsanpassung bei missbräuchlicher Verzugszinsklausel, Zeitschrift für europäisches Privatrecht 2013 p.667-680 (DE)
- Jull Sørensen, Marie: Om adgangen til at ændre urimelige kontraktvilkår i forbrugeraftaler, Ugeskrift for Retsvæsen B 2013 p.383-391 (DA)
- Hodges, Christopher: Unfair Contract Terms - Revising the Content of a Term, Landmark cases of EU consumer law: in honour of Jules Stuyck (Ed. Intersentia - Cambridge) 2013 p.627-631 (EN)
- Anta González, Jaime Francisco: La respuesta judicial a las ejecuciones hipotecarias a la luz de la jurisprudencia del TJUE, Revista Aranzadi Doctrinal 2013 nº 4 p.75-92 (ES)
- Jiménez París, Teresa Asunción: Concursal Civil - Las sentencias del TJUE, de 14 de junio de 2012 y de 14 de marzo de 2013, y la inminente reforma del procedimiento de ejecución hipotecaria español, Revista crítica de Derecho Inmobiliario 2013 nº 738 p.2716-2770 (ES)
- Sørensen, Marie Jull: Sanctions on Unfair Terms in Consumer Contracts. The Danish Example, Zeitschrift für Europäisches Unternehmens- und Verbraucherrecht 2014 p.224-232 (DE)
- Arias Rodríguez, José Manuel: Notas sobre la jurisprudencia del Tribunal de Justicia respecto a las cláusulas abusivas, Diario La ley 2016 nº 168 p.1-8 (ES)
- Simon, Rita: Spotřebitelské modely v evropském a českém právu s ohledem na smluvněprávni spory, Právník: teoreticky casopis pro otázky státu a práva 2018 nº5 p.385-406 (CS)
- Leone, Candida: Case note Abanca Corporación Bancaria, S.A. v Alberto García Salamanca Santos, Revue européenne de droit de la consommation 2020 p.317-325 (EN)
Procedural Analysis Information
Source of the question referred for a preliminary ruling
Audiencia Provincial de Barcelona - Spain
Subject-matter
- Approximation of laws
- Consumer protection
Provisions of national law referred to
Ley 7/1995, de 23 de marzo, de Crédito al Consumo, de 23/03/1995, de Crédito al Consumo (BOE 25-3-1995) Ley 1/2000, de 7 de enero, de Enjuiciamiento Civil (LEC), de 07/01/2000, de Enjuiciamiento Civil (BOE 8-1-2000) Real Decreto Legislativo 1/2007, de 16 de noviembre, por el que se aprueba el texto refundido de la Ley General para la Defensa de los Consumidores y Usuarios y otras leyes complementarias, de 16/11/2007, aprueba el Texto refundido de la Ley de Defensa de los Consumidores y Usuarios (BOE 30-11-2007)
Provisions of international law referred to
Information not available
Procedure and result
- Reference for a preliminary ruling
Formation of the Court
première chambre (Cour)
Judge-Rapporteur
Tizzano
Advocate General
Trstenjak
Language(s) of the Case
Language(s) of the Opinion