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It is in those circumstances that the Audiencia Provincial de Barcelona, entertaining doubts as to the correct interpretation of European Union law, decided to stay the proceedings and to refer to the Court the following questions for a preliminary ruling: ‘(1) Is it contrary to [European Union] law, in particular the law on consumers and users, for a national court to avoid giving a ruling of its own motion and in limine litis or at any stage during the proceedings on whether or not a term concerning interest on late payments (in this case 29%) in a consumer credit agreement is void and on whether or not that term should be modified? May the court, without prejudicing the rights of the consumer under [European Union] law, decide to leave any evaluation of such a term to the initiative of the debtor (by means of the appropriate procedural objection)? (2) In the light of Article 6(1) of Directive [93/13] and Article 2 of Directive [2009/22], what is the correct interpretation of Article 83 of [Legislative Decree 1/2007] …for those purposes? What is the scope, in that regard, of Article 6(1) of Directive [93/13] where it provides that unfair contract terms “shall not be binding on the consumer”? (3) Is it possible to exclude judicial review of a court’s own motion and in limine litis where the applicant clearly states in his application the rate of interest on late payments, the amount of the claim, including the principal and interest, the contractual penalties and the costs, the interest rate and the period of time for which that interest is demanded (or a statement that statutory interest is automatically added to the principal under the law of the Member State of origin), the cause of the action, including a description of the facts relied on as the basis of the claim and the interest demanded, and it is clearly stated whether it concerns statutory or contractual interest, capitalisation of interest or the interest rate for the loan, whether it has been calculated by the applicant and the number of percentage points above the Central Bank base rate, as is the case with [Regulation No 1896/2006] on the European order for payment procedure? (4) In the absence of their transposition, do Articles 5(1)(l) and (m) and 6(1)(i) of Directive [2008/48], where they refer to “arrangements for its adjustment”, and Article 10(2)(1), where it refers to “arrangements for its adjustment”, require the financial institution specifically to include and to highlight in the contract (not in the body of the text, in an undifferentiated manner) as “pre-contractual information” references to the interest rate applicable in the case of late payments, in the event of default, set out clearly and in a prominent place, and the elements taken into account when determining them (financial costs, recovery costs etc.) and to include a warning regarding the consequences connected with those cost elements? (5) Does Article 6(2) of Directive [2008/48] include the requirement to notify the early termination of a credit or loan agreement which gives rise to the charging of interest on late payments? Is the principle of the prohibition of unjustified enrichment contained in Article 7 of Directive [2008/48] applicable where the credit institution seeks not only the recovery of the goods (the loan capital), but also the application of an especially high rate of interest on late payments? (6) In the absence of any transposing provision and in the light of Article 11(2) of Directive [2005/29], may the court find of its own motion that it is an unfair practice to include in a contract a term concerning interest on late payments?’