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.