Judgment of the Court (Ninth Chamber) of 25 January 2024.#Caixabank SA and Others v WE and Others.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Charges arising from the formalisation of the mortgage loan agreement – Restitution of the sums paid under a term declared to be unfair – Starting point of the limitation period for an action for restitution.#Joined Cases C-810/21 to C-813/21.