Reference on consumer credit abusive clauses deemed inadmissible under Article 521(3) of the Civil Procedure Code
Romania (RO)
Legislator summary
AI generatedThe Supreme Court of Romania’s Full Bench for Resolving Questions of Law dismissed as inadmissible the reference made by the Brașov County Court regarding the interpretation of the Law No. 193/2000 on consumer credit. The dispute concerned whether a natural person who had voluntarily and fully repaid a consumer credit contract retained the standing and legal interest to challenge specific contractual clauses as abusive and seek restitution of payments made under those clauses. The Court’s decision was grounded exclusively in the procedural requirement of Article 521(3) of the Civil Procedure Code, rendering the reference inadmissible without addressing the substantive questions of consumer protection or the interpretation of the relevant statutory provisions concerning consumer status and the consequences of abusive clauses after contract termination.
Legislator headnote
AI generatedart. 2 din Legea nr. 193/2000, art. 521 alin. (3) din Codul de procedură civilă; Reference on consumer credit abusive clauses deemed inadmissible under Article 521(3) of the Civil Procedure Code: 193/2000 on consumer credit. The dispute concerned whether a natural person who had voluntarily and fully repaid a consumer credit contract retained the standing and legal interest to challenge specific contractual clauses as abusive and seek restitution of payments made under those clauses. The Court’s decision was grounded exclusively in the procedural requirement of Article 521(3) of the Civil Procedure Code, rendering the reference inadmissible without addressing the substantive questions of consumer protection or the interpretation of the relevant statutory provisions concerning consumer status and the consequences of abusive clauses after contract termination.
Keywords
AI generatedCited Legislation
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AI generatedKey legal questions extracted by Legislator
AI generatedCited as the obligatory procedural basis for the court's decision to dismiss the reference as inadmissible.
Full text
ROMÂNIA
ÎNALTA CURTE DE CASAŢIE ŞI JUSTIŢIE
Completul pentru dezlegarea unor chestiuni de drept
Minuta deciziei nr. 80 Dosar nr. 1562/1/2017
Şedinţa din 6 noiembrie 2017
ÎN NUMELE LEGII
DECIDE:
Respinge ca inadmisibilă sesizarea formulată de Tribunalul Braşov – Secţia a II-a Civilă, de Contencios Administrativ şi Fiscal, în dosarul nr. 3794/197/2015, privind pronunţarea unei hotărâri prealabile pentru dezlegarea chestiunii de drept:
„1. Dacă noţiunii de <consumator>, astfel cum este definită de dispoziţiile art. 2 din Legea nr. 193/2000, i se circumscrie şi situaţia persoanei fizice care a achitat integral, voluntar, creditul contractat?
2. Dacă, din interpretarea coroborată a art. 6 şi 13 din Legea nr. 193/2000, se poate aprecia că persoana fizică - parte contractantă într-un contract de credit care a încetat prin achitarea integrală voluntară, justifică un interes în solicitarea constatării caracterului abuziv al unor clauze contractuale, cu consecinţa restituirii prestaţiilor efectuate în baza respectivelor clauze?”
Obligatorie, potrivit dispoziţiilor art. 521 alin. (3) din Codul de procedură civilă.
Pronunţată în şedinţa publică, astăzi, 6 noiembrie 2017.