CELEX: 62012CN0564
Language: en
Date: 2012-12-06 00:00:00
Title: Case C-564/12: Request for a preliminary ruling from the Tribunal d’instance d’Orléans (France) lodged on 6 December 2012 — BNP Paribas Personal Finance SA and Facet SA v Guillaume Delmatti

9.2.2013   
            
            
               EN
            
            
               Official Journal of the European Union
            
            
               C 38/14
            
         Request for a preliminary ruling from the Tribunal d’instance d’Orléans (France) lodged on 6 December 2012 — BNP Paribas Personal Finance SA and Facet SA v Guillaume Delmatti
   (Case C-564/12)
   2013/C 38/19
   Language of the case: French
   
      Referring court
   
   Tribunal d’instance d’Orléans
   
      Parties to the main proceedings
   
   
      Applicants: BNP Paribas Personal Finance SA, Facet SA
   
      Defendant: Guillaume Delmatti
   
      Questions referred
   
   
               1.
            
            
               Does Article 22 of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers, (1) interpreted in the light of Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts, (2) prohibit the existence and application of standard terms in credit agreements whereby the consumer acknowledges that the creditor’s obligations have been fulfilled?
            
         
               2.
            
            
               Do the general principle of the effectiveness of Community law and Articles 22 and 23 of Directive 2008/48/EC preclude the creditor’s being able to establish proof of fulfilment of its pre-contractual and contractual obligations solely by means of the standard terms in credit agreements whereby the consumer acknowledges that those obligations have been fulfilled, without producing before the court the documents issued by the creditor and supplied to the borrower?
            
         
      (1)  Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC (OJ 2008 L 133, p. 66).
   
      (2)  OJ 1993 L 95, p. 29.