Case C-278/25, Słuwicz: Order of the Court of 8 August 2025 (request for a preliminary ruling from the Sąd Okręgowy w Warszawie – Poland) – P.D., J.D. v Bank Polska Kasa Opieki S.A. (Unfair terms in consumer contracts – Mortgage loan agreement indexed to a foreign currency – Effects of the invalidity of the contract – Consumer’s request to set-off of his or her claim against that of the bank – Retroactive effect of the declaration of set-off – Cancellation of statutory default interest owed to the consumer)