Judgment of the Court (Fourth Chamber) of 9 July 2020.#SC Raiffeisen Bank SA and BRD Groupe Societé Générale SA v JB and KC.#Requests for a preliminary ruling from the Tribunalul Specializat Mureş.#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.#Joined Cases C-698/18 and C-699/18.