CELEX: 62013CA0034
Language: en
Date: 2014-09-10 00:00:00
Title: Case C-34/13: Judgment of the Court (Third Chamber) of 10 September 2014 (request for a preliminary ruling from the Krajský súd v Prešove — Slovakia) — Monika Kušionová v SMART Capital a.s. (Request for a preliminary ruling — Directive 93/13/EEC — Unfair terms — Consumer credit agreement — Article 1(2) — Term reflecting a mandatory statutory provision — Scope of the directive — Articles 3(1), 4, 6(1) and 7(1) — Security for credit in the form of a charge on immovable property — Whether it is possible to enforce the charge by means of a sale by auction — Judicial review)

17.11.2014   
            
            
               EN
            
            
               Official Journal of the European Union
            
            
               C 409/7
            
         Judgment of the Court (Third Chamber) of 10 September 2014 (request for a preliminary ruling from the Krajský súd v Prešove — Slovakia) — Monika Kušionová v SMART Capital a.s.
   (Case C-34/13) (1)
   
   ((Request for a preliminary ruling - Directive 93/13/EEC - Unfair terms - Consumer credit agreement - Article 1(2) - Term reflecting a mandatory statutory provision - Scope of the directive - Articles 3(1), 4, 6(1) and 7(1) - Security for credit in the form of a charge on immovable property - Whether it is possible to enforce the charge by means of a sale by auction - Judicial review))
   2014/C 409/09
   Language of the case: Slovak
   
      Referring court
   
   Krajský súd v Prešove
   
      Parties to the main proceedings
   
   
      Applicant: Monika Kušionová
   
      Defendant: SMART Capital a.s.
   
      Operative part of the judgment
   
   
               1)
            
            
               Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts must be interpreted as not precluding national legislation, such as that at issue in the main proceedings, which allows the recovery of a debt that is based on potentially unfair contractual terms by the extrajudicial enforcement of a charge on immovable property provided as security by the consumer, in so far as that legislation does not make it excessively difficult or impossible in practice to protect the rights conferred on consumers by that directive, which is a matter for the national court to determine.
            
         
               2)
            
            
               Article 1(2) of Directive 93/13 must be interpreted as meaning that a contractual term included in a contract concluded by a seller or supplier with a consumer falls outside the scope of that directive only if that contractual term reflects the content of a mandatory statutory or regulatory provision, which is a matter for the national court to determine.
            
         
      (1)  OJ C 141, 18.5.2013.