Court of Justice 18 February 2016, Case C-49/14: Judgment of the Court (First Chamber) of 18 February 2016 (request for a preliminary ruling from the Juzgado de Primera Instancia de Cartagena (Spain)) — Finanmadrid EFC SA v VA(*), QE(*), DG(*) and NZ(*) (Reference for a preliminary ruling — Directive 93/13/EEC — Unfair terms — Order for payment procedure — Enforcement proceedings — Powers of the national court responsible for enforcement to raise of its own motion the fact that the unfair term is invalid — Principle of res judicata — Principle of effectiveness — Charter of Fundamental Rights of the European Union — Judicial protection)

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