C-117/23VU and IT v EUROBANK BULGARIA

The court's own keywords

Reference for a preliminary ruling – Article 99 of the Rules of Procedure of the Court of Justice – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 3(1) and Article 4 – Assessment of the unfairness of contractual terms – Contractual term that is in plain, intelligible language – Bank loan agreement denominated in a foreign currency – Term that places the exchange risk entirely on the consumer – Advantage not specifically agreed upon for the benefit of the credit institution resulting from the conversion, into the settlement currency, of the amount of the loan expressed in the currency of the account – Article 6 – Consequences of a finding that a contractual term is unfair.

Interprets