CJEU Case C-176/17 / Judgment

Profi Credit Polska S.A. w Bielsku Białej v Mariusz Wawrzosek
Policy area
Justice, freedom and security
Deciding body type
Court of Justice of the European Union
Deciding body
Court (Second Chamber)
Type
Decision
Decision date
13/09/2018
ECLI (European case law identifier)
ECLI:EU:C:2018:711
  • CJEU Case C-176/17 / Judgment

    Key facts of the case:

    Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Unfair terms in consumer contracts — Directive 2008/48/EC — Order for payment procedure founded on a promissory note that secures the obligations arising from a consumer credit agreement

    Outcome of the case:

    On those grounds, the Court (Second Chamber) hereby rules:

    Article 7(1) of Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts must be interpreted as precluding national legislation, such as that at issue in the main proceedings, which permits issue of an order for payment founded on a valid promissory note that secures a claim arising from a consumer credit agreement, where the court dealing with an application for an order for payment does not have the power to examine whether the terms of that agreement are unfair, if the detailed rules for exercising the right to lodge an objection against such an order do not enable observance of the rights which the consumer derives from that directive to be ensured.

  • Paragraphs referring to EU Charter (original language)