Court of Justice 14 February 2012, C‑618/10 (Banco Español de Crédito, SA v Joaquín Calderón Camino.)

OPINION OF ADVOCATE GENERAL TRSTENJAK delivered on 14 February 2012 ( 1 ) Case C-618/10 Banco Español de Crédito, SA v Joaquín Calderón Camino (Reference for a preliminary ruling from the Audiencia Provincial de Barcelona (Spain)) ‛Consumer protection — Directive 93/13/EEC — Article 6(1) — Consumer credit agreements — Interest rates applicable in the case of late payment — Unfair terms — National