Case C-186/16

DECISION

Title: Judgment of the Court (Second Chamber) of 20 September 2017. Ruxandra Paula Andriciuc and Others v Banca Românească SA. Request for a preliminary ruling from the Curtea de Apel Oradea. Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Unfair terms in consumer contracts — Article 3(1) and Article 4(2) — Assessment of the unfairness of contractual terms — Loan agreement concluded in a foreign currency — Exchange rate risk born entirely by the consumer — Significant imbalance in the parties’ rights and obligations arising under the contract — Time at which the imbalance must be assessed — Scope of the concept of terms drafted in ‘plain intelligible language’ — Level of information to be procured by the bank. Case C-186/16.
ECLI identifier: ECLI:EU:C:2017:703
Judge-Rapporteur: Prechal
Type of procedure: Reference for a preliminary ruling
Complementary documents:: Communication published in the Official Journal

20/09/2017

Title: Opinion of Advocate General Wahl delivered on 27 April 2017. Ruxandra Paula Andriciuc and Others v Banca Românească SA. Request for a preliminary ruling from the Curtea de Apel Oradea. Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Unfair terms in consumer contracts — Article 3(1) and Article 4(2) — Assessment of the unfairness of contractual terms — Loan agreement concluded in a foreign currency — Exchange rate risk born entirely by the consumer — Significant imbalance in the parties’ rights and obligations arising under the contract — Time at which the imbalance must be assessed — Scope of the concept of terms drafted in ‘plain intelligible language’ — Level of information to be procured by the bank. Case C-186/16.
ECLI identifier: ECLI:EU:C:2017:313
Advocate General: Wahl

27/04/2017

Title: Case C-186/16: Request for a preliminary ruling from the Curtea de Apel Oradea (Romania) lodged on 1 April 2016 — Ruxandra-Paula Andriciuc and Others v Banca Românească SA

04/07/2016