Judgment of the Court (Ninth Chamber) of 8 September 2022.#E.K. and Others v D.B.P. and Others.#Requests for a preliminary ruling from the Sąd Rejonowy dla Warszawy - Śródmieścia w Warszawie.#Reference for a preliminary ruling – Directive 93/13/EEC – Unfair terms in consumer contracts – Articles 6(1) and 7(1) – Mortgage credit agreements – Effects of a finding that a term is unfair – Limitation period – Principle of effectiveness.#Joined Cases C-80/21 to C-82/21.