Court of Justice (Fifth Chamber) 7 August 2018, C-96/16 and C-94/17 (Banco Santander SA v Mahamadou Demba and Mercedes Godoy Bonet and Rafael Ramón Escobedo Cortés v Banco de Sabadell SA.)

JUDGMENT OF THE COURT (Fifth Chamber) 7 August 2018 ( *1 ) ( 1 ) (Reference for a preliminary ruling — Directive 93/13/EEC — Unfair terms — Scope — Assignment of debts — Loan agreement concluded with a consumer — Criteria for assessing the unfairness of a contractual term setting the default interest rate — Consequences of that unfairness) In Joined Cases C‑96/16 and C‑94/17, REQUESTS for a