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European Union
I.W. and R.W. v Bank BPH S.A (C-19/20)
Consideration of the questions referred
Second and third questions referred
71

I.W. and R.W. v Bank BPH S.A (C-19/20)

Judgment of 29 Apr 2021law://eu/cjeu/2020/c-19-20/para_71@2026-11-10

71It is only if the element of the indexation term in the mortgage loan at issue in the main proceedings relating to Bank BPH’s margin consisted of a contractual obligation distinct from the other contractual terms, capable of being the subject of an individual examination of its unfairness, that the national court could remove it.

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

Key facts

Court: Court of Justice · Seventh Chamber
Case: C-19/20 · ECLI:EU:C:2021:341
Decided: 29 Apr 2021
Procedure: Preliminary reference · referred by the Sąd Okręgowy w Gdańsku XV Wydział Cywilny (Regional Court, Gdańsk, XV Civil Division, Poland)
Applicants: I.W.; R.W.
Defendants: Bank BPH S.A.; Third party:; Rzecznik Praw Obywatelskich
Rapporteur: I. Ziemele
Advocate General: H. Saugmandsgaard Øe
Bench: 3 judges
A. Kumin, P. G. Xuereb, I. Ziemele
Language: Polish
Official: CURIA · EUR-Lex 62020CJ0019

Topics

Approximation of laws Charter of Fundamental Rights Consumer protection

History · 1 version

29 Apr 2021Reading

Connections

Interprets 2: Council Directive 93/13/EEC3 provisions; Charter of Fundamental Rights of the European Union (consolidated 2016)2 provisions
Cited by 13: Arkadiusz Szcześniak v Bank M. SA (C-520/21); DP and SG v Trapeza Peiraios AE (C-243/20); E.K. and Others v D.B.P. and Others (C-80/21); Lombard Pénzügyi és Lízing Zrt. v PN (C-472/20); M.B. and Others v X S.A (C-6/22)2 provisions; ZL and Others v Provident Polska S.A (C-321/22)2 provisions; TL and WE v Liquidator of Getin Noble Bank S.A., formerly Getin Noble Bank S.A (C-28/22)3 provisions; JZ v OTP Jelzálogbank Zrt. and Others (C-932/19); ZH and KN v AxFina Hungary Zrt (C-630/23); Profi Credit Bulgaria v T.I.T (C-170/21); M.P. and B.P. v „A.” prowadzący działalność za pośrednictwem „A.” S.A (C-212/20); Financijska agencija v Hann-Invest d.o.o. and Others (C-554/21); AS v BNP Paribas Bank Polska S.A (C-246/25)
Cites 14: Treaty on the Functioning of the European Union (consolidated 2016); Council Directive 93/13/EEC; Charter of Fundamental Rights of the European Union (consolidated 2016); Francisco Gutiérrez Naranjo v Cajasur Banco SAU, Ana María Palacios Martínez v Banco Bilbao Vizcaya Argentaria SA (BBVA), Banco Popular Español SA v Emilio Irles López and Teresa Torres Andreu (C-154/15, C-307/15, C-308/15); Kamil Dziubak and Justyna Dziubak v Raiffeisen Bank International AG, prowadzący działalność w Polsce w formie oddziału pod nazwą Raiffeisen Bank International AG Oddział w Polsce, anciennement Raiffeisen Bank Polska SA (C-260/18); Banca B. SA v A.A.A (C-269/19); Zsuzsanna Dunai v ERSTE Bank Hungary Zrt (C-118/17); Abanca Corporación Bancaria SA v Alberto García Salamanca Santos and Bankia SA v Alfonso Antonio Lau Mendoza and Verónica Yuliana Rodríguez Ramírez (C-70/17, C-179/17); SC Raiffeisen Bank SA and BRD Groupe Societé Générale SA v JB and KC (C-698/18, C-699/18); Jana Pereničová and Vladislav Perenič v SOS financ spol. s r. o (C-453/10); XZ v Ibercaja Banco, SA (C-452/18); Banco Santander SA v Mahamadou Demba and Mercedes Godoy Bonet and Rafael Ramón Escobedo Cortés v Banco de Sabadell SA (C-96/16, C-94/17); Banif Plus Bank Zrt v Csaba Csipai and Viktória Csipai (C-472/11); Ottília Lovasné Tóth v ERSTE Bank Hungary Zrt (C-34/18)