Judgment of the Court (Ninth Chamber) of 25 April 2024.#GP and BG v Banco Santander, SA.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/CEE – Unfair terms in consumer contracts – Mortgage loan agreement – Clause providing for the payment of costs relating to the contract to be borne 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.#Case C-561/21.