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European Union
Juan Carlos Sánchez Morcillo and María del Carmen Abril García v Banco Bilbao Vizcaya Argentaria SA (C-169/14)
Judgment
Consideration of the questions referred
25

Juan Carlos Sánchez Morcillo and María del Carmen Abril García v Banco Bilbao Vizcaya Argentaria SA (C-169/14)

Judgment of 17 Jul 2014law://eu/cjeu/2014/c-169-14/para_25@2026-11-11

25National enforcement proceedings, such as mortgage enforcement proceedings, are subject to the requirements arising out of this case-law of the Court which seeks to ensure the effective protection of consumers.

Source: EUR-Lex, © European Union, 1998-2026. Reuse authorised under Decision 2011/833/EU.

Key facts

Court: Court of Justice · First Chamber
Case: C-169/14 · ECLI:EU:C:2014:2099
Decided: 17 Jul 2014
Procedure: Preliminary reference · referred by the Audiencia Provincial de Castellón (Spain)
Applicants: Juan Carlos Sánchez Morcillo; María del Carmen Abril García
Defendant: Banco Bilbao Vizcaya Argentaria, SA
Rapporteur: E. Levits
Advocate General: N. Wahl
Bench: 5 judges
A. Tizzano, E. Levits, M. Berger, S. Rodin, F. Biltgen
Language: Spanish
Official: CURIA · EUR-Lex 62014CJ0169

Topics

Approximation of laws Charter of Fundamental Rights Consumer protection

History · 1 version

17 Jul 2014Reading

Connections

Interprets 2: Council Directive 93/13/EEC2 provisions; Charter of Fundamental Rights of the European Union (consolidated 2016)2 provisions
Cited by 21: Banco Primus SA v Jesús Gutiérrez García (C-421/14); LH v Profi Credit Slovakia s.r.o (C-485/19); FY v Profi Credit Polska S.A. w Bielsku Białej (C-582/21); IO v Impuls Leasing România IFN SA (C-725/19)2 provisions; Zulima v Servicios prescriptor y medios de pagos EFC SAU (C-215/21); Harman International Industries, Inc. v AB SA (C-175/21); Finanmadrid EFC SA v VA and Others (C-49/14); Horațiu Ovidiu Costea v SC Volksbank România SA (C-110/14); Monika Kušionová v SMART Capital, a.s (C-34/13); Zsolt Sziber v ERSTE Bank Hungary Zrt (C-483/16); ERSTE Bank Hungary Zrt v Attila Sugár (C-32/14); BBVA SA v Pedro Peñalva López and Others (C-8/14)2 provisions; X and Y v Staatssecretaris van Veiligheid en Justitie (C-180/17); Maria Bucura v SC Bancpost SA (C-348/14); Akgün Seramik Sanayi ve Ticaret AŞ and Others v European Commission (T-231/23); Glencore Agriculture Hungary Kft. v Nemzeti Adó- és Vámhivatal Fellebbviteli Igazgatósága (C-189/18); X v Belastingdienst/Toeslagen (C-175/17); Ordre des barreaux francophones et germanophone and Others v Conseil des ministres (C-543/14); Direcția Generală Regională a Finanțelor Publice Brașov (DGRFP) v Vasile Toma and Biroul Executorului Judecătoresc Horațiu-Vasile Cruduleci (C-205/15); Orizzonte Salute - Studio Infermieristico Associato v Azienda Pubblica di Servizi alla persona San Valentino – Città di Levico Terme and Others (C-61/14); Europäische Schule München v Silvana Oberto and Barbara O´Leary (C-464/13, C-465/13)
Cites 16: Council Directive 93/13/EEC; Charter of Fundamental Rights of the European Union (consolidated 2016); Banco Español de Crédito, SA v Joaquín Calderón Camino (C-618/10); Mohamed Aziz v Caixa d´Estalvis de Catalunya, Tarragona i Manresa (Catalunyacaixa) (C-415/11); Asturcom Telecomunicaciones SL v Cristina Rodríguez Nogueira (C-40/08); Banif Plus Bank Zrt v Csaba Csipai and Viktória Csipai (C-472/11); Pohotovosť s. r. o. v Miroslav Vašuta (C-470/12); Rosalba Alassini v Telecom Italia SpA, Filomena Califano v Wind SpA, Lucia Anna Giorgia Iacono v Telecom Italia SpA and Multiservice Srl v Telecom Italia SpA (C-317/08, C-318/08, C-319/08, C-320/08); Elisa María Mostaza Claro v Centro Móvil Milenium SL (C-168/05); Asociación de Consumidores Independientes de Castilla y León v Anuntis Segundamano España SL (C-413/12); Barclays Bank SA v Sara Sánchez García and Alejandro Chacón Barrera (C-280/13); Juan Carlos Sánchez Morcillo and María del Carmen Abril García v Banco Bilbao Vizcaya Argentaria SA (C-169/14); Brahim Samba Diouf v Ministre du Travail, de l’Emploi et de l’Immigration (C-69/10); Banco Popular Español SA v Maria Teodolinda Rivas Quichimbo and Wilmar Edgar Cun Pérez and Banco de Valencia SA v Joaquín Valldeperas Tortosa and María Ángeles Miret Jaume (C-537/12); Europese Gemeenschap v Otis NV and Others (C-199/11); Kingdom of Sweden v Association de la presse internationale ASBL (API) and European Commission, Association de la presse internationale ASBL (API) v European Commission and European Commission v Association de la presse internationale ASBL (API) (C-514/07 P, C-528/07 P, C-532/07 P)