Joined Cases C-381/14 and C-385/14: Judgment of the Court (First Chamber) of 14 April 2016 (requests for a preliminary ruling from the Juzgado de lo Mercantil No 9 de Barcelona — Spain) — Jorge Sales Sinués v Caixabank SA (C-381/14), and Youssouf Drame Ba v Catalunya Caixa SA (Catalunya Banc SA) (C-385/14) (Reference for a preliminary ruling — Directive 93/13/EEC — Contracts concluded between sellers or suppliers and consumers — Mortgage contracts — ‘Floor’ clause — Examination of the clause with a view to its invalidation — Collective proceedings — Action for an injunction — Stay of an individual action with the same subject matter)