Judgment of the Court (Ninth Chamber) of 30 June 2022.#Profi Credit Bulgaria v T.I.T.#Request for a preliminary ruling from the Sofiyski rayonen sad.#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.#Case C-170/21.