Case C-509/24, Investcapital: Judgment of the Court (Ninth Chamber) of 27 November 2025 (request for a preliminary ruling from the Juzgado de Primera Instancia e Instrucción no 3 de Arucas – Spain) – Investcapital Ltd v M.H.S. (Reference for a preliminary ruling – Unfair terms in consumer contracts – Directive 93/13/EEC – Article 6(1) – Article 7(1) – Contract concerning a bank account – Order for payment procedure – Review of the court’s own motion of whether contractual terms are unfair – Proposal by the court to reduce the claim by the amount corresponding to the application of a term considered to be unfair – Acceptance by the seller or supplier and possibility to claim that amount in subsequent proceedings – Principle of effectiveness – Participation of the consumer in the review of whether a contractual term is unfair)