Court of Justice (Fifth Chamber) 19 September 2018, C-109/17 (Bankia SA v Juan Carlos Mari Merino and Others.)

JUDGMENT OF THE COURT (Fifth Chamber) 19 September 2018 ( *1 ) (Reference for a preliminary ruling — Directive 2005/29/EC — Unfair business-to-consumer commercial practices — Loan agreement secured by a mortgage — Mortgage enforcement proceedings — Revaluation of immovable property prior to its sale by auction — Validity of the enforceable instrument — Article 11 — Adequate and effective means to