Judgment of the Court (Ninth Chamber) of 8 December 2022.#QE v Caisse régionale de Crédit mutuel de Loire-Atlantique et du Centre Ouest.#Request for a preliminary ruling from the Cour de cassation.#Reference for a preliminary ruling – Consumer protection – Unfair terms in consumer contracts – Directive 93/13/EEC – Article 3(1) – Article 4 – Criteria for assessing whether a term is unfair – Term relating to the accelerated repayment of a loan agreement – Contractual dispensation from the requirement for a formal written demand.#Case C-600/21.