Case C-598/21, Všeobecná úverová banka: Judgment of the Court (Fourth Chamber) of 9 November 2023 (request for a preliminary ruling from the Krajský súd v Prešove — Slovakia) — SP, CI v Všeobecná úverová banka a.s. (Reference for a preliminary ruling — Unfair terms in consumer contracts — Consumer credit contract — Directive 93/13/EEC — Article 1(2) — Term reflecting a mandatory statutory provision — Article 3(1), Article 4(1), Article 6(1) and Article 7(1) — Acceleration clause — Judicial review — Proportionality with regard to the consumer breaches of contract — Articles 7 and 38 of the Charter of Fundamental Rights of the European Union — Contract secured by a charge on immovable property — Extrajudicial sale of the consumer’s home)
Date: 2023-11-09
Institutions: Court of Justice
Subjects: auction sale, consumer credit, consumer protection, deadline for payment, mortgage, protection of privacy, real property, redemption, right to justice, unfair terms of contract








C_202400444EN.000101.fmx.xml












Official Journal of the European Union


EN
Series C













C/2024/444


3.1.2024





Judgment of the Court (Fourth Chamber) of 9 November 2023 (request for a preliminary ruling from the Krajský súd v Prešove — Slovakia) — SP, CI v Všeobecná úverová banka a.s.
(Case C-598/21, (1) Všeobecná úverová banka)
(Reference for a preliminary ruling - Unfair terms in consumer contracts - Consumer credit contract - Directive 93/13/EEC - Article 1(2) - Term reflecting a mandatory statutory provision - Article 3(1), Article 4(1), Article 6(1) and Article 7(1) - Acceleration clause - Judicial review - Proportionality with regard to the consumer breaches of contract - Articles 7 and 38 of the Charter of Fundamental Rights of the European Union - Contract secured by a charge on immovable property - Extrajudicial sale of the consumer’s home)
(C/2024/444)
Language of the case: Slovak

Referring court

Krajský súd v Prešove

Parties to the main proceedings


Applicants: SP, CI

Defendant: Všeobecná úverová banka a.s.

Operative part of the judgment

Article 3(1), Article 4(1), Article 6(1) and Article 7(1) of Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts, read in the light of Articles 7 and 38 of the Charter of Fundamental Rights of the European Union,
must be interpreted as precluding national legislation under which the judicial review of the unfairness of an acceleration clause contained in a consumer credit agreement does not take account of the proportionality of the option given to the seller or supplier to exercise his or her right under that clause, in the light of criteria relating, in particular, to the extent of the consumer’s failure to fulfil his contractual obligations, such as the amount of the instalments which have not been paid in relation to the total amount of the credit and the duration of the contract, and to the possibility that the implementation of that clause may result in the seller or supplier being able to recover the sums due under that clause by selling, without any legal process, the consumer’s family home.


(1)  
            OJ C 11, 10.1.2022.


ELI: http://data.europa.eu/eli/C/2024/444/oj
ISSN 1977-091X (electronic edition)