CELEX: 62013CB0602
Language: en
Date: 2015-06-11 00:00:00
Title: Case C-602/13: Order of the Court (Sixth Chamber) of 11 June 2015 (request for a preliminary ruling from the Juzgado de Primera Instancia — Spain) — Banco Bilbao Vizcaya Argentaria, SA v Fernando Quintano Ujeta, María Isabel Sánchez García (Reference for a preliminary ruling — Directive 93/13/EEC — Contractual relationship between a seller or a supplier and a consumer — Mortgage contract — Default interest clause — Early repayment clause — Mortgage enforcement proceedings — Moderation of the amount of interest — Powers of the national court)

28.9.2015   
            
            
               EN
            
            
               Official Journal of the European Union
            
            
               C 320/2
            
         Order of the Court (Sixth Chamber) of 11 June 2015 (request for a preliminary ruling from the Juzgado de Primera Instancia — Spain) — Banco Bilbao Vizcaya Argentaria, SA v Fernando Quintano Ujeta, María Isabel Sánchez García
   (Case C-602/13) (1)
   
   ((Reference for a preliminary ruling - Directive 93/13/EEC - Contractual relationship between a seller or a supplier and a consumer - Mortgage contract - Default interest clause - Early repayment clause - Mortgage enforcement proceedings - Moderation of the amount of interest - Powers of the national court))
   (2015/C 320/02)
   Language of the case: Spanish
   
      Referring court
   
   Juzgado de Primera Instancia
   
      Parties to the main proceedings
   
   
      Applicant: Banco Bilbao Vizcaya Argentaria, SA
   
      Defendant: Fernando Quintano Ujeta, María Isabel Sánchez García
   
      Operative part of the order
   
   
               1)
            
            
               Articles 6(1) and 7(1) of Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts must be interpreted as meaning that they do not preclude national provisions for moderating default interest under a mortgage contract, provided that those national provisions:
               
                           —
                        
                        
                           do not prejudice to the assessment by the national court hearing mortgage enforcement proceedings relating to that contract on the ‘unfairness’ of the default interest clause, and
                        
                     
                           —
                        
                        
                           do not prevent that court setting aside that clause should it conclude that the latter clause is ‘unfair’ within the meaning of Article 3(1) of Directive 93/13.
                        
                     
         
               2)
            
            
               Directive 93/13 must be interpreted as meaning that, where the national court has established the ‘unfairness’ within the meaning of Article 3(1) of Directive 93/13 of a clause in a contract between a consumer and a seller or a supplier, the fact that that clause has not been executed cannot, in itself, prevent the national court drawing the appropriate conclusions from the ‘unfair’ nature of that clause.
            
         
      (1)  OJ C 31, 1.2.2014.