Joined Cases C-698/18 and C-699/18: Judgment of the Court (Fourth Chamber) of 9 July 2020 (request for a preliminary ruling from the Tribunalul Specializat Mureş — Romania) — SC Raiffeisen Bank SA v JB (C-698/18), BRD Groupe Société Générale SA v KC (C-699/18) (Reference for a preliminary ruling — Directive 93/13/EEC — Personal loan agreement — Contract performed in full — Finding that contractual terms are unfair — Action for reimbursement of sums unduly paid on the basis of an unfair clause — Judicial arrangements — Ordinary legal action not subject to any limitation period — Ordinary legal action of a personal and pecuniary nature subject to a limitation period — Point from which the limitation period starts to run — Objective point in time at which the consumer knows of the existence of the unfair term)