Judgment of the Court (Fourth Chamber) of 23 November 2023.#ZL and Others 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.#Case C-321/22.