Case C-600/19: Judgment of the Court (Grand Chamber) of 17 May 2022 (request for a preliminary ruling from the Audiencia Provincial de Zaragoza — Spain) — MA v Ibercaja Banco SA (Reference for a preliminary ruling — Directive 93/13/EEC — Unfair terms in consumer contracts — Principle of equivalence — Principle of effectiveness — Mortgage enforcement proceedings — Unfairness of the term setting the nominal rate for default interest, and of the advanced repayment term in the loan agreement — Force of res judicata and time-barring — Loss of the possibility of relying on the unfairness of a contractual term before a court — Power of review by the national court of its own motion)