Case C-321/22, Provident Polska: Judgment of the Court (Fourth Chamber) of 23 November 2023 (request for a preliminary ruling from the Sąd Rejonowy dla Warszawy — Śródmieścia w Warszawie — Poland) — ZL, KU, KM v Provident Polska S.A. (Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Unfair terms in consumer contracts — Consumer credit agreement — Article 3(1) — Significant imbalance — Non-interest credit costs — Article 7(1) — Action for a declaratory judgment — Interest in bringing proceedings — Article 6(1) — Finding that a term is unfair — Consequences)