Case C-561/21,  Banco Santander (Point from which the limitation period starts to run): Judgment of the Court (Ninth Chamber) of 25 April 2024 (request for a preliminary ruling from the Tribunal Supremo – Spain) – GP, BG v Banco Santander SA (Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Mortgage loan contract – Term stipulating that costs relating to the contract are to be paid by the consumer – Final judicial decision finding that term unfair and declaring it void – Action for restitution of the sums paid pursuant to the unfair term – Point from which the limitation period for the action for restitution starts to run)