62019CO0075_INF
Order of the Court (Ninth Chamber) of 6 November 2019 — BNP Paribas Personal Finance SA Paris Sucursala Bucureşti and Secapital
(Case C‑75/19) (
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)
(Reference for a preliminary ruling — Article 99 of the Rules of Procedure of the Court of Justice — Directive 93/13/EEC — Consumer contracts — Consumer credit — Enforcement proceedings — Period of 15 days from communication of the enforcement proceedings to invoke the unfair nature of a term)
Consumer protection — Unfair terms in consumer contracts — Directive 93/13 — Enforcement proceedings — National rule making the right of a consumer to invoke the unfair nature of a term subject to a very short time limit in the proceedings in which the consumer contests enforcement — Unlawful — Inconsistent with the principle of effectiveness — National rule establishing the right of a consumer to invoke the unfair nature of a term in separate proceedings from the proceedings in which the consumer contests enforcement — Proceedings not subject to a time limit and irrelevant for the purpose of the enforcement proceedings — Irrelevant
(Council Directive 93/13)
(see paras 28-34, operative part)
Operative part
Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts must be interpreted as precluding a rule of national law under which a consumer who has entered into a loan agreement with a credit institution and against whom that seller or supplier has brought enforcement proceedings is precluded, after a period of 15 days from communication of the first enforcement measures, from relying on the fact that terms are unfair when contesting enforcement even if, under national law, the consumer has the right to bring proceedings to establish that the terms are unfair, the exercise of which is not subject to a time limit, but the outcome of which is irrelevant for the purpose of the outcome in the enforcement proceedings, which may be binding on the consumer before the outcome of the action seeking to establish that that the terms are unfair.
(
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)	OJ C 164, 13.5.2019.