Case C-168/15: Judgment of the Court (First Chamber) of 28 July 2016 (request for a preliminary ruling from the Okresný súd Prešov — Slovakia) — Milena Tomášová v Slovakia Republic — Ministerstvo spravodlivosti SR, Pohotovosť s. r. o. (Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Unfair terms in consumer contracts — Credit agreement containing an unfair term — Enforcement of an arbitration award in accordance with that term — Member State liability for damage caused to individuals by breaches of EU law attributable to a national court — Conditions of engagement — Existence of a sufficiently serious breach of EU law)