63As the Advocate General has pointed out in points 71 to 73 of his Opinion, credit agreements such as that at issue in the main proceedings are generally executed over long periods of time and, therefore, if the event which triggers the three-year limitation period is any payment made by the borrower, which it is for the national court to ascertain, it cannot be ruled out that, at least in respect of some of the payments made, the limitation period will run even before the contract in question comes to an end, so that such a limitation period regime is liable systematically to deprive consumers of the possibility of claiming the return of payments made under terms contrary to those directives.
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