Asunto C-609/19: Petición de decisión prejudicial planteada por el Tribunal d’instance de Lagny-sur-Marne (Francia) el 13 de agosto de 2019 — BNP Paribas Personal Finance SA/VE
Section | Serie C |
14.10.2019 ES Diario Oficial de la Unión Europea C 348/12
Lengua de procedimiento: francés
Tribunal d’instance de Lagny-sur-Marne
Demandante: BNP Paribas Personal Finance SA
Demandada: VE
1) ¿Debe interpretarse el artículo 4, apartado 2, de la Directiva 93/13 (1) en el sentido de que las cláusulas que establecen la obligación de reembolsar el préstamo a plazos fijos imputados prioritariamente a los intereses y que prevén la ampliación del plazo de amortización del contrato y el incremento del importe de las cuotas de amortización al efecto de pagar el saldo pendiente, el cual puede aumentar notablemente como consecuencia de las fluctuaciones del tipo de cambio, constituyen, sin poder ser consideradas aisladamente, el objeto principal de un préstamo denominado en divisa extranjera y reembolsable en divisa nacional
2) ¿Debe interpretarse el artículo 3, apartado 1, de la Directiva 93/13 en el sentido de que las cláusulas que establecen la obligación de reembolsar el préstamo a plazos fijos imputados prioritariamente a los intereses y que prevén la ampliación del plazo [del contrato] y el incremento del importe de las cuotas de amortización al efecto de pagar el saldo pendiente, el cual puede aumentar notablemente como consecuencia de las fluctuaciones del tipo de cambio, crean un desequilibrio importante entre los derechos y las obligaciones de las partes del contrato, especialmente en la medida en que exponen al consumidor a un riesgo de tipo de cambio desproporcionado
3) ¿Debe interpretarse el artículo 4 de la Directiva 93/13 en el sentido de que exige que el carácter claro y comprensible de las cláusulas de un contrato de...
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