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European Union
I.W. and R.W. v Bank BPH S.A (C-19/20)
Consideration of the questions referred
The fourth question
88

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_88@2026-11-11

88Second, the question as from when the invalidation of the contract at issue in the main proceedings produces its effects depends exclusively on national law, provided that the protection guaranteed to consumers by the provisions of Directive 93/13 is ensured.

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)3 provisions; ZL and Others v Provident Polska S.A (C-321/22); 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)