Court of Justice 10 September 2026, C-510/25 (Case C-510/25, Adazik: Judgment of the Court (Ninth Chamber) of 10 September 2026 (request for a preliminary ruling from the Sąd Okręgowy w Warszawie – Poland) – T.Z., D.Z. v Bank S.A. (Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 6(1) and Article 7(1) – Mortgage loan agreement denominated in a foreign currency and containing unfair terms – Effects of a term being found to be unfair – Contract declared void – Action brought by the consumer for repayment of the amounts paid under the contract – Claim of the seller or supplier corresponding to the amount of capital lent – National case-law providing for the set-off ex officio of reciprocal claims of the parties to a void agreement – National case-law providing for the creation of two independent claims for restitution – Deterrent effect of the prohibition on unfair terms))

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