Thursday 9th November 2023
Judgment in Case C-598/21 Všeobecná úverová banka
(Consumer protection)
In Slovakia, Všeobecná úverová banka granted two customers consumer credit repayable over 20 years. The customers pledged their family home as collateral. Due to a three-month delay in payment of approximately €1,000, which occurred during the first year of the contract, the bank invoked an acceleration clause. This clause enables the bank to demand early repayment of the entire outstanding balance and to initiate an out-of-court auction of the family home. The customers have asked a Slovakian court to suspend the auction, which they claim violates their rights as consumers.
Under Slovakian law, such a clause can be enforced if the borrower is three months in arrears with payments and the lender has given a further 15 days’ notice. The courts are unable to review the proportionality of this clause in terms of the seriousness of the breach of the consumer’s obligations in relation to the amount and duration of the credit. The Slovak court asks the Court of Justice whether such a limitation on judicial review is compatible with EU law.
Donnerstag, 9. November 2023
Urteil des Gerichtshofs in der Rechtssache C-598/21 Všeobecná úverová banka
Verhältnismäßigkeit von Kreditvollstreckungsverfahren
Am 9. Februar 2012 schlossen Frau SP und Herr CI mit der Bank “Všeobecná úverová banka“ (VÚ Banka) einen Verbraucherkreditvertrag ab. Später nahmen sie weitere Kredite auf, die sie jedoch nicht zurückzahlen konnten. VÚ Banka kündigte daher die Verwertung des Pfandrechts durch einen im Wege der freiwilligen Versteigerung vorzunehmenden Verkauf ihres Hauses an. Der Wert des Hauses war dabei mindestens 30-mal höher als der von Frau SP und Herrn CI geschuldete Betrag. Aus diesem Grund erhoben sie eine Klage.
Das vorlegende Gericht hat ein Vorabentscheidungsverfahren vor dem Gerichtshof eingelegt. Es möchte wissen, ob die Gerichte dazu befugt sind, die Verhältnismäßigkeit der Vollstreckung eines vorzeitig fällig gestellten Kredits im Rahmen eines außergerichtlichen Vollstreckungsverfahrens zu beurteilen.
In ihren Schlussanträgen schlug Generalanwältin Medina dem Gerichtshof vor zu entscheiden, dass nationale Gerichte im Rahmen einer vorzunehmenden Beurteilung der etwaigen Missbräuchlichkeit eines solchen Vollstreckungsverfahrens eine Reihe an Voraussetzungen prüfen müssen.
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