Joined Cases C-693/19 and C-831/19: Judgment of the Court (Grand Chamber) of 17 May 2022 (requests for a preliminary ruling from the Tribunale di Milano — Italy) — SPV Project 1503 Srl, Dobank SpA v YB (C-693/19), Banco di Desio e della Brianza SpA and Others v YX, ZW (C-831/19) (Reference for a preliminary ruling — Directive 93/13/EEC — Unfair terms in consumer contracts — Principle of equivalence — Principle of effectiveness — Payment order and attachment proceedings against third parties — Force of res judicata implicitly covering the validity of the terms of an enforceable instrument — Power of the court hearing the enforcement proceedings to examine of its own motion the potential unfairness of a term)