C-424/22WN v Santander Bank Polska S.A

The court's own keywords

Reference for a preliminary ruling – Article 99 of the Rules of Procedure of the Court of Justice – Questions the answer to which may be clearly deduced from the Court’s existing case-law – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Articles 6(1) and 7(1) – Effects of a declaration that a term is unfair – Mortgage loan agreement indexed to a foreign currency, containing unfair terms concerning the valuation and the rate of exchange – Nullity of that agreement – Restitutory effects – Right of retention.

Interprets