CELEX:62021CJ0080: Judgment of the Court (Ninth Chamber) of 8 September 2022.#E.K. and Others v D.B.P. and M.#Request for a preliminary ruling – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 6(1) and Article 7(1) – Mortgage credit agreements – Effects of a finding that a term is unfair – Period of limitation – Principle of effectiveness.#Joined Cases C-80/21 and C-81/21.