Joined Cases C-419/18 and C-483/18: Judgment of the Court (First Chamber) of 7 November 2019 (requests for a preliminary ruling from the Sąd Rejonowy dla Warszawy Pragi-Południe w Warszawie and the Sąd Okręgowy w Opolu, II Wydział Cywilny Odwoławczy — Poland) — Profi Credit Polska S.A. v Bogumiła Włostowska and Others (C-419/18), Profi Credit Polska S.A. v OH (C-483/18) (References for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Article 3(1) — Article 6(1) — Article 7(1) — Directive 2008/48/EC — Article 10(2) — Credit agreements for consumers — Lawfulness of securing the debt arising under the agreement by means of a blank promissory note — Demand for payment of the debt owed under the promissory note — Scope of the court’s powers and obligations)