Judgment of the Court (First Chamber) of 14 June 2012.

Banco Español de Crédito SA v Joaquín Calderón Camino.

Reference for a preliminary ruling: Audiencia Provincial de Barcelona - Spain.

Directive 93/13/EEC - Consumer contracts - Unfair term concerning interest on late payments - Order for payment procedure - Powers of the national court.

Case C-618/10.

European Court Reports 2012 Page 00000

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