Court of Justice 14 January 2016, C-381/14 and C-385/14 (Jorge Sales Sinués and Youssouf Drame Ba v Caixabank SA and Catalunya Caixa SA (Catalunya Banc S.A.).)

OPINION OF ADVOCATE GENERAL SZPUNAR delivered on 14 January 2016 ( 1 ) Joined Cases C‑381/14 and C‑385/14 Jorge Sales Sinués v Caixabank SA and Youssouf Drame Ba v Catalunya Caixa SA (Catalunya Banc SA) (Request for a preliminary ruling from the Juzgado de lo Mercantil no 9 de Barcelona (Commercial Court No 9, Barcelona (Spain)) ‛Directive 93/13/EEC — Consumer contracts — Mortgage loan agreement