CELEX: 62012CN0108
Language: en
Date: 2012-02-29 00:00:00
Title: Case C-108/12: Reference for a preliminary ruling from the Tribunalul Vâlcea (Romania) lodged on 29 February 2012 — SC Volksbank România SA v Ionuț-Florin Zglimbea, Liana-Ramona Zglimbea

26.5.2012   
            
            
               EN
            
            
               Official Journal of the European Union
            
            
               C 151/17
            
         Reference for a preliminary ruling from the Tribunalul Vâlcea (Romania) lodged on 29 February 2012 — SC Volksbank România SA v Ionuț-Florin Zglimbea, Liana-Ramona Zglimbea
   (Case C-108/12)
   2012/C 151/29
   Language of the case: Romanian
   
      Referring court
   
   Tribunalul Vâlcea
   
      Parties to the main proceedings
   
   
      Applicant: SC Volksbank România SA
   
      Defendants: Ionuț-Florin Zglimbea, Liana-Ramona Zglimbea
   
      Question referred
   
   Can Article 4(2) of Directive 93/13 (1) be interpreted as meaning that ‘the main subject matter of the contract’ and ‘price’, as referred to in that provision, cover the elements which make up the consideration to which a credit institution is entitled by virtue of a consumer credit agreement, that is to say, the annual percentage rate of charge under a consumer credit agreement (as defined in Directive 2008/48 (2) on credit agreements for consumers), formed in particular by the interest rate, whether fixed or variable, bank commissions, and the other fees included and defined in the agreement?
   
      (1)  Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts (OJ 1993 L 95, p. 29).
   
      (2)  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 1987 L 133, p. 66).