Case C-35/22, CAJASUR Banco: Judgment of the Court (Fourth Chamber) of 13 July 2023 (request for a preliminary ruling from the Audiencia Provincial de Málaga — Spain) — CAJASUR Banco SA v JO, IM (Reference for a preliminary ruling — Directive 93/13/EEC — Unfair terms in consumer contracts — Article 6(1) — General conditions of a mortgage loan agreement declared null and void by national courts — Legal action — Admission prior to any dispute — National legislation requiring a consumer to take steps prior to bringing proceedings against the seller or supplier concerned in order to guarantee the award of the costs of legal proceedings — Principle of sound administration of justice — Right to effective judicial protection)