Case C-379/21, TBI Bank: Order of the Court (Ninth Chamber) of 17 January 2023 (request for a preliminary ruling from the Sofiyski rayonen sad — Bulgaria) — Proceedings brought by TBI Bank (Reference for a preliminary ruling — Article 53(2) and Article 99 of the Rules of Procedure of the Court of Justice — Consumer credit — Directive 93/13/EEC — Article 6(1) — Unfair terms — Refusal to issue an immediate order for payment in the event of a claim based on an unfair term — Consequences relating to the unfairness of a contractual term — Directions from a higher court not observing those consequences)