If an EU consumer wants to cancel a mortgage contract denominated in a foreign currency and tainted by an unfair conversion rate clause, it is not up to a national judge to substitute national case law for the unfair clause: under EU law, the contract is null and void, the Court of Justice of the EU ruled on Thursday 8 September.
In a preliminary ruling (Joined Cases C-80/21 to C-82/21), the Court thus replies to the Warsaw-Śródmieście District Court, which asked it about the...