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Case C-108/12: Reference for a preliminary ruling from the Tribunalul Vâlcea (Romania) lodged on 29 February 2012 — SC Volksbank România SA v Ionuț-Florin Zglimbea, Liana-Ramona Zglimbea
ECLI:EU:UNKNOWN:62012CN0108
62012CN0108
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26.5.2012
Official Journal of the European Union
C 151/17
(Case C-108/12)
2012/C 151/29
Language of the case: Romanian
Referring court
Parties to the main proceedings
Applicant: SC Volksbank România SA
Defendants: Ionuț-Florin Zglimbea, Liana-Ramona Zglimbea
Question referred
Can Article 4(2) of Directive 93/13 be interpreted as meaning that ‘the main subject matter of the contract’ and ‘price’, as referred to in that provision, cover the elements which make up the consideration to which a credit institution is entitled by virtue of a consumer credit agreement, that is to say, the annual percentage rate of charge under a consumer credit agreement (as defined in Directive 2008/48 on credit agreements for consumers), formed in particular by the interest rate, whether fixed or variable, bank commissions, and the other fees included and defined in the agreement?
Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts (OJ 1993 L 95, p. 29).
Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC (OJ 1987 L 133, p. 66).
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