Joined Cases C-810/21 to C-813/21, Caixabank (Limitation period for the repayment of mortgage charges): Judgment of the Court (Ninth Chamber) of 25 January 2024 (requests for a preliminary ruling from the Audiencia Provincial de Barcelona — Spain) — Caixabank SA, formerly Bankia SA (C-810/21), Banco Bilbao Vizcaya Argentaria SA (C-811/21), Banco Santander SA (C-812/21), OK, PI (C- 813/21) v WE, XA (C-810/21), TB, UK (C-811/21), OG (C-812/21), Banco Sabadell SA (C-813/21) (References for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Unfair terms in consumer contracts — Charges arising from the formalisation of the mortgage loan agreement — Restitution of the sums paid under a term declared to be unfair — Starting point of the limitation period for an action for restitution)