Asunto C-96/16: Petición de decisión prejudicial presentada por el Juzgado de Primera Instancia n° 38 de Barcelona (España) el 17 de febrero de 2016 — Banco Santander, S.A./Mahamadou Demba y Mercedes Godoy Bonet
Section | información judicial |
25.4.2016 ES Diario Oficial de la Unión Europea C 145/24
Lengua de procedimiento: español
Juzgado de Primera Instancia no 38 de Barcelona
Demandante: Banco Santander, S.A.
Demandada: Mahamadou Demba y Mercedes Godoy Bonet
1) ¿Es conforme con el Derecho de la Unión y en concreto con el artículo 38 de la Carta de los Derechos Fundamentales de la Unión Europea, artículo 2 C del Tratado de Lisboa, y los artículos 4.2, 12, 169.1 del Tratado de Funcionamiento de la Unión Europea (1), la práctica empresarial de cesión o compra de los créditos sin ofrecer la posibilidad al consumidor de extinguir la deuda con el pago del precio, intereses gastos y costas del proceso al cesionario
2) ¿Es compatible con los principios que se postulan en la Directiva 93/13 (2) del Consejo, de 5 de abril de 1993, y por extensión con el principio de efectividad y con sus artículos 3.1 y 7.1, dicha práctica empresarial de compra de la deuda del consumidor por un precio exiguo sin su consentimiento ni conocimiento, que omite su plasmación como condición general o cláusula abusiva impuesta en el contrato, y sin darle oportunidad de participación al consumidor en tal operación a modo de retracto
3) Si, de conformidad con la Directiva 93/13/CEE del Consejo, de 5 de abril de 1993, sobre las cláusulas abusivas en los contratos celebrados con consumidores, y en particular de sus artículos 6.1 y 7.1, a fin de garantizar la protección de los consumidores y usuarios y la jurisprudencia comunitaria que la desarrolla, es ajustado al Derecho de la Unión; el fijar como criterio inequívoco la determinación que en los contratos de préstamo sin garantía real concertados con consumidores, es abusiva la cláusula no negociada que fija un interés de demora que suponga un incremento de más de dos puntos porcentuales respecto del interés remuneratorio pactado
4) Si, de conformidad con la...
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