Court of Justice 3 March 2021, Case C-13/19: Order of the Court (Seventh Chamber) of 3 March 2021 (request for a preliminary ruling from the Audiencia Provincial de Zaragoza — Spain) — Ibercaja Banco, SA v TJ, UK (Reference for a preliminary ruling — Article 53(2) and Article 99 of the Rules of Procedure of the Court of Justice — Consumer protection — Directive 93/13/EEC — Mortgage loan agreement — Unfair terms — Term limiting the variability of the interest rate (so-called ‘floor’ clause) — Novation agreement — Waiver of legal action against the terms of the contract — No binding character — Directive 2005/29/EC — Unfair business-to-consumer commercial practices — Article 6(1) and Article 7(1))

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