Case C-49/24, Rzecznik Finansowy: Order of the Court (Eighth Chamber) of 28 November 2024 (request for a preliminary ruling from the Sąd Najwyższy – Poland) – Rzecznik Finansowy (Reference for a preliminary ruling – Article 53(2) of the Rules of Procedure of the Court of Justice – Directive 93/13/EEC – Unfair terms in consumer contracts – Effects of a finding that a term is unfair – Bank credit agreement containing unfair terms – Nullity of that agreement – Claims for restitution – Right of retention – Article 267 TFEU – Legal question put to a Supreme Court – No dispute – Manifest inadmissibility)