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Key facts of the case:
 
Reference for a preliminary ruling – Consumer credit contract – Unfair terms – Directive 93/13/EEC – Enforcement of an arbitration award – Application for leave to intervene in enforcement proceedings – Consumer protection association – National legislation which does not allow such an intervention – Procedural autonomy of the Member States)
 
Results (sanctions) and key consequences of the case:
 
the Court (Third Chamber) hereby rules:
 
Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts, in particular Articles 6(1), 7(1) and 8 of that directive, read in conjunction with Articles 38 and 47 of the Charter of Fundamental Rights of the European Union, must be interpreted as not precluding national legislation which does not allow a consumer protection association to intervene in support of a consumer in proceedings for enforcement, against the latter, of a final arbitration award.