Case C-224/19

DECISION

Title: Judgment of the Court (Fourth Chamber) of 16 July 2020. CY and Others v Caixabank SA and Banco Bilbao Vizcaya Argentaria SA. Requests for a preliminary ruling from the Juzgado de Primera Instancia n° 17 de Palma de Mallorca and Juzgado de Primera Instancia e Instrucción de Ceuta. Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Articles 6 and 7 – Consumer contracts – Mortgage loans – Unfair terms – Term charging all of the costs of creating and cancelling a mortgage to the borrower – Effects of a declaration that those terms are void – Powers of the national court when dealing with a term considered to be ‘unfair’ – Award of costs – Application of national supplementary provisions – Article 3(1) – Assessment of the unfairness of contractual terms – Article 4(2) – Exclusion of terms relating to the main subject matter of the contract or the adequacy of the price and the remuneration – Condition – Article 5 – Obligation to draft contractual terms in plain, intelligible language – Costs – Limitation – Principle of effectiveness. Joined Cases C-224/19 and C-259/19.
ECLI identifier: ECLI:EU:C:2020:578
Judge-Rapporteur: Rodin
Type of procedure: Reference for a preliminary ruling
Complementary documents:: Communication published in the Official Journal

16/07/2020

Title: Case C-224/19: Request for a preliminary ruling from the Juzgado de Primera Instancia No 17 de Palma de Mallorca (Spain) lodged on 14 March 2019 — CY v Caixabank, S.A.

22/07/2019