Official Journal of the European Union

C 223/6

(Case C-208/14)

2014/C 223/08

Language of the case: Spanish

Referring court

Parties to the main proceedings

Appellant: Antonia Valdivia Reche

Respondent: Banco de Valencia, S.A.

Question referred

Does Article 6 of Directive 93/13 require the national court, when it has found a term setting a rate of 29 % for default interest to be unfair, to declare that term ineffective, without any scope for reducing the rate of interest agreed, even though such a reduction has been expressly requested by one of the consumers against whom proceedings have been brought?

Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts (OJ 1993 L 95, p. 29).