49Thus, the Court has already observed that effective protection of the rights conferred on the consumer by Directive 93/13 can be guaranteed only provided that the national procedural system allows the court, during the order for payment proceedings or the enforcement proceedings concerning an order for payment, to check of its own motion whether the terms of the contract concerned are unfair (see, in particular, judgments of 18 February 2016, Finanmadrid EFC, C‑49/14, EU:C:2016:98, paragraph 46, and of 13 September 2018, Profi Credit Polska, C‑176/17, EU:C:2018:711, paragraph 44).
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