Order of the Court (First Chamber) of 3 April 2014 (request for a preliminary ruling from the Szombathelyi Törvényszék - Hungary) — Katalin Sebestyén v Zsolt Csaba Kővári, OTP Bank Nyrt., OTP Faktoring Követeléskezelő Zrt, Raiffeisen Bank Zrt
(Case C-342/13)
on of the contract — Unfair terms — Criteria for assessment)Language of the case: HungarianReferring courtSzombathelyi TörvényszékParties to the main proceedingsApplicant: Katalin Sebestyén Defendants: Zsolt Csaba Kővári, OTP Bank Nyrt., OTP Faktoring Követeléskezelő Zrt, Raiffeisen Bank Zrt Re:Request for a
preliminary ruling — Szombathel
yi Törvényszék —
Interpretation of Articl
e 3(1) of Council Directive 93/1
3/EEC of 5 April 1993 on unfai
r terms in consumer contracts (OJ L 95, p. 29) — Individual having concluded with a bank a contract for a mortgage loan with a clause providing for the exclusive jurisdiction of a body of arbitrators — National legislation providing no rig
aria
nReferring courtSzombathelyi TörvényszékParties to the main proceedingsApplicant: Katalin Sebestyén Defendants: Zsolt Csaba Kővári, OTP Bank Nyrt., OTP Faktoring Követeléskezelő Zrt, Raiffeisen Bank Zrt Re:Request for a preliminary ruling — Szombathelyi Törvényszék — Interpretation of Article 3(1) of Council Directive 93/13/EEC of 5 April 199
t — must, having regard to a
ll of the circumstances surrounding the conclusion of that contract, be regarded as unfair under those provisions. In the context of its assessment, the national court must, in particular:verify whether the clause at issue has the object or effect of excluding or hindering the consumer’s right to take legal action or exercise any other legal remedy; andtake account of the fact that the communication to the consumer, before the conclusion of the contract at issue, of general information on the differences between the arbitration procedure and ordinary legal proceedings cannot alone rule out the unfairness of that clause.If the clause is held to be unfair, it is for that court to draw the appropriate conclusions under national law in
order to ensure that the consumer is not bound by that clause.