Opinion of Advocate General Trstenjak delivered on 29 November 2011.

Jana Pereničová and Vladislav Perenič v SOS financ spol. s r. o.#Reference for a preliminary ruling from the Okresný súd Prešov.#Consumer protection — Consumer credit agreement — Incorrect statement of annual percentage rate of charge — Effect of unfair commercial practices and unfair terms on the validity of the contract as a whole.#Case C-453/10.