62021CJ0215_SUM
Case C‑215/21
Zulima
v
Servicios prescriptor y medios de pagos EFC SAU
(Request for a preliminary ruling from the Juzgado de Primera Instancia No 2 de Las Palmas de Gran Canaria)
Judgment of the Court (Ninth Chamber) of 22 September 2022
(Reference for a preliminary ruling – Unfair terms in consumer contracts – Revolving credit agreement – Unfairness of the term relating to the rate of remunerative interest – Action brought by a consumer for a declaration that that agreement is void – Satisfaction of that consumer’s claims out of court – Costs incurred having to be borne by the consumer – Principle of effectiveness – National legislation capable of dissuading the consumer from exercising the rights conferred by Directive 93/13/EEC)
Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Means to prevent the use of unfair terms
(Council Directive 93/13, Arts 6(1) and 7(1))
(see paragraphs 33-38, 40-44, operative part)
See the text of the decision.