62024CJ0006_SUM
Joined Cases C‑6/24 and C‑231/24
Abanca Corporación Bancaria SA
v
WEandVX
(Requests for a preliminary rulingfrom the Juzgado de Primera Instancia No 8 de La Coruña)
Judgment of the Court (Eighth Chamber) of 8 May 2025
(Reference for a preliminary ruling – Consumer protection – Consumer credit agreements – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 3(1) – Acceleration clause – Judicial review – No national legislation governing the acceleration clause – Criteria for assessing unfairness)
Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Unfair term within the meaning of Article 3 – Meaning – Acceleration clause contained in a personal loan agreement – Assessment of unfair nature by the national court – Criteria – Term providing for the possibility for the consumer to avoid the accelerated repayment of the loan or to remedy the effects thereof – Obligation to provide for that possibility in national law – None
(Charter of Fundamental Rights of the European Union, Art. 38; Council Directive 93/13, sixteenth recital and Arts 3(1), 4(1) and 6(1))
(see paragraphs 18-28, operative part 1)
Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Unfair term within the meaning of Article 3 – Meaning – Acceleration clause contained in a personal loan agreement – Assessment of unfair nature by the national court – Criteria – Adequate and effective means enabling the consumer to avoid the accelerated repayment of the loan or to remedy the effects thereof – Verification a matter for the national court
(Council Directive 93/13, Art. 3(1))
(see paragraphs 30-37, operative part 2)
See the text of the decision.