Opinion of Advocate General Szpunar delivered on 13 September 2018.#Bankia SA v Henry-Rodolfo Rengifo Jiménez and Sheyla-Jeanneth Felix Caiza.#Request for a preliminary ruling from the Juzgado de Primera Instancia de Fuenlabrada.#Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Articles 6 and 7 — Unfair terms in consumer contracts — Accelerated repayment clause of a mortgage loan contract — Article 99 of the Rules of Procedure of the Court of Justice — Question identical to a question on which the Court has already ruled or where the reply to such a question may be clearly deduced from existing case-law — Declaration that the clause is unfair in part — Powers of the national court when dealing with a term regarded as ‘unfair’ — Replacement of the unfair term with a provision of national law — Article 53(2) of the Rules of Procedure of the Court of Justice — Question manifestly inadmissible.#Case C-92/16.
ECLI:EU:C:2018:727
62016CC0092
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delivered on 13 September 2018 (1)
Case C‑92/16
Henry-Rodolfo Rengifo Jiménez,
(Request for a preliminary ruling from the Juzgado de Primera Instancia No 1 de Fuenlabrada (Court of First Instance No 1, Fuenlabrada, Spain))
(Reference for a preliminary ruling — Directive 93/13/EEC — Consumer protection — Unfair terms in consumer contracts — Accelerated repayment term in a mortgage loan agreement — Article 6(1) — Article 7(1) — Declaration of partial unfairness — Powers of the national court)
Case C‑167/16
Banco Bilbao Vizcaya Argentaria SA
Fernando Quintano Ujeta,
María Isabel Sánchez García
(Request for a preliminary ruling from the Juzgado de Primera Instancia No 2 de Santander (Court of First Instance No 2, Santander, Spain))
(Reference for a preliminary ruling — Directive 93/13/EEC — Consumer protection — Unfair terms in consumer contracts — Accelerated repayment term in a mortgage loan agreement — Article 6(1) — Article 7(1) — Declaration of partial unfairness — Powers of the national court)
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