CELEX: 62015CA0154
Language: en
Date: 2016-12-21 00:00:00
Title: Joined Cases C-154/15, C-307/15 and C-308/15: Judgment of the Court (Grand Chamber) of 21 December 2016 (requests for a preliminary ruling from the Juzgado de lo Mercantil No 1 de Granada, Audiencia Provincial de Alicante — Spain) — Francisco Gutiérrez Naranjo v Cajasur Banco SAU (C-154/15), Ana María Palacios Martínez v Banco Bilbao Vizcaya Argentaria SA (BBVA) (C-307/15), Banco Popular Español, SA v Emilio Irles López, Teresa Torres Andreu (C-308/15) (References for a preliminary ruling — Directive 93/13/EEC — Consumer contracts — Mortgage loans — Unfair terms — Article 4(2) — Article 6(1) — Declaration of nullity — Limitation by the national court of the temporal effects of the declaration of nullity of an unfair term)

20.2.2017   
            
            
               EN
            
            
               Official Journal of the European Union
            
            
               C 53/8
            
         Judgment of the Court (Grand Chamber) of 21 December 2016 (requests for a preliminary ruling from the Juzgado de lo Mercantil No 1 de Granada, Audiencia Provincial de Alicante — Spain) — Francisco Gutiérrez Naranjo v Cajasur Banco SAU (C-154/15), Ana María Palacios Martínez v Banco Bilbao Vizcaya Argentaria SA (BBVA) (C-307/15), Banco Popular Español, SA v Emilio Irles López, Teresa Torres Andreu (C-308/15)
   (Joined Cases C-154/15, C-307/15 and C-308/15) (1)
   
   ((References for a preliminary ruling - Directive 93/13/EEC - Consumer contracts - Mortgage loans - Unfair terms - Article 4(2) - Article 6(1) - Declaration of nullity - Limitation by the national court of the temporal effects of the declaration of nullity of an unfair term))
   (2017/C 053/10)
   Language of the case: Spanish
   
      Referring court
   
   Juzgado de lo Mercantil No 1 de Granada, Audiencia Provincial de Alicante
   
      Parties to the main proceedings
   
   
      Applicants: Francisco Gutiérrez Naranjo (C-154/15), Ana María Palacios Martínez (C-307/15), Banco Popular Español, SA (C-308/15)
   
      Defendants: Cajasur Banco SAU (C-154/15), Banco Bilbao Vizcaya Argentaria SA (BBVA) (C-307/15), Emilio Irles López, Teresa Torres Andreu (C-308/15)
   
      Operative part of the judgment
   
   Article 6(1) of Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts must be interpreted as precluding national case-law that temporally limits the restitutory effects connected with a finding of unfairness by a court, in accordance with Article 3(1) of that directive, in respect of a clause contained in a contract concluded between a consumer and a seller or supplier, to amounts overpaid under such a clause after the delivery of the decision in which the finding of unfairness is made.
   
      (1)  OJ C 228, 13.7.2015.
   
      OJ C 279, 24.8.2015.