Joined Cases C-453/18 and C-494/18: Judgment of the Court (First Chamber) of 19 December 2019 (requests for a preliminary ruling from the Primera Instancia No 11 de Vigo, Juzgado de Primera Instancia No 20 de Barcelona — Spain) — Bondora AS v Carlos V.C. (Case C-453/18), XY (C-494/18) (Reference for a preliminary ruling — Judicial cooperation in civil matters — European order for payment procedure — Regulation (EC) No 1896/2006 — Provision of additional documents to support the claim — Unfair terms in consumer contracts — Directive 93/13/EEC — Review by the court seised in the context of an application for a European payment order)