Judgment of the Court (Eighth Chamber) of 7 November 2024.#ERB New Europe Funding II v YI.#Request for a preliminary ruling from the Tribunalul Specializat Mureş.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Article 7(1) – Unfair terms in consumer contracts – Powers and obligations of the national court – First legal remedy pursued by the consumer before the court of the place where the seller or supplier has its registered office, without the assistance of a lawyer and without that consumer attending the hearing – Second legal remedy pursued by the consumer before the court of his or her place of domicile, with the assistance of a lawyer – Res judicata – Article 47 of the Charter of Fundamental Rights of the European Union – Effective judicial protection of the consumer.#Case C-178/23.