Case C-109/17: Judgment of the Court (Fifth Chamber) of 19 September 2018 (request for a preliminary ruling from the Juzgado de Primera Instancia n° 5 de Cartagena — Spain) — Bankia SA v Juan Carlos Marí Merino, Juan Pérez Gavilán, María Concepción Marí Merino (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 combat unfair commercial practices — National court prohibited from assessing the existence of unfair commercial practices — Impossibility of staying the mortgage enforcement proceedings — Articles 2 and 10 — Code of good conduct — Non-legally binding nature of that code)

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