62022CJ0006_SUM
Case C‑6/22
M. B. and Others
v
X S.A.
(Request for a preliminary rulingfrom the Sąd Rejonowy dla Warszawy-Woli w Warszawie)
Judgment of the Court (Sixth Chamber) of 16 March 2023
(Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Articles 6 and 7 – Effects of a declaration that a term is unfair – Mortgage loan agreement indexed to a foreign currency – Continued existence of the contract without unfair terms – Consumer’s wish to have the contract declared invalid – Application of the directive after the invalidation of the contract – Powers and obligations of the national court)
Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Finding that a term is unfair – Scope
(Council Directive 93/13, Art. 6(1))
(see paragraphs 22, 25, 29, 30, 33, operative part 1)
Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Finding that a term is unfair – Scope – Removal of unfair terms resulting in the annulment of a contract and giving rise to unfavourable effects for the consumer
(Council Directive 93/13, Arts 6(1) and 7(1))
(see paragraphs 40, 41, 44, 45, operative part 2)
Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Finding that a term is unfair – Scope – Replacement of an unfair term with a provision of national law of a general nature – Unlawful
(Council Directive 93/13, Art. 6(1))
(see paragraphs 56, 60-64, operative part 3)
See the text of the decision.