Case C-755/22, Nárokuj: Judgment of the Court (Third Chamber) of 11 January 2024 (request for a preliminary ruling from the Okresní soud Praha-západ — Czech Republic) — Nárokuj s.r.o. v EC Financial Services, a.s. (Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Credit agreements for consumers — Article 8 — Obligation of a creditor to check a consumer’s creditworthiness — Regularisation of a breach due to full performance of the credit agreement — Article 23 — Effective, proportionate and dissuasive penalties — Credit agreement void and creditor’s entitlement to payment of the agreed interest forfeited — No harmful consequences for the consumer — Holding creditors accountable and preventing irresponsible practices when granting credit to consumers)