Judgment_paragraph 90 · CY and Others v Caixabank SA and Banco Bilbao Vizcaya Argentaria SA (C-224/19, C-259/19)

90In that regard, it is important to bear in mind that consumers may be unaware that a term in a mortgage loan agreement is unfair or do not appreciate the extent of their rights under Directive 93/13 (see, to that effect, judgment of 13 September 2018, Profi Credit Polska, C‑176/17, EU:C:2018:711, paragraph 69).