Case C-170/21: Judgment of the Court (Ninth Chamber) of 30 June 2022 (request for a preliminary ruling from the Sofiyski rayonen sad — Bulgaria) — Profi Credit Bulgaria v T.I.T. (Reference for a preliminary ruling — Directive 93/13/EEC — Consumer credit — Unfair terms in consumer contracts — Article 6(1) — Ex officio review — Refusal to issue an order for payment in the event of a claim based on an unfair term — Consequences relating to the unfairness of a contractual term — Right to restitution — Principles of equivalence and effectiveness — Offsetting ex officio)