AH v Zagrebacka Banka (Judgment): ECJ 5 May 2022

Reference for a preliminary ruling – Consumer protection – Unfair terms – Directive 93/13/EEC – Applicability ratione temporis – Article 10(1) – Loan contract entered into before the date of accession of a Member State to the European Union but amended after that date – Article 6 – Restitution of benefits unduly received by the trader – National legislation providing for the replacement of unfair terms and the restitution of overpayments under them – Applicability ratione materiae – Article 1(2) – Exclusion of clauses reflecting mandatory legislative or regulatory provisions

Citations:

C-567/20, [2022] EUECJ C-567/20

Links:

Bailii

Jurisdiction:

European

Consumer

Updated: 16 June 2022; Ref: scu.678117