Case C-396/24, Lubreczlik: Judgment of the Court (Ninth Chamber) of 19 June 2025 (request for a preliminary ruling from the Sąd Okręgowy w Krakowie – Poland) – PU, QS, mBank S.A. v mBank S.A., BL, CY (Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 7(1) – Mortgage loan agreement indexed to a foreign currency, containing unfair terms – Effects of a finding that a term is unfair – Nullity of that agreement – Repayment by the consumer of the amount of the loan obtained under a void agreement irrespective of repayments made – Deterrent effect of the prohibition on unfair terms – Acceptance by the consumer of the claim for repayment – Obligation on the national court to make the judgment against the defendant immediately enforceable)