Case C-339/23, Horyzont: Judgment of the Court (Tenth Chamber) of 24 October 2024 (request for a preliminary ruling from the Sąd Rejonowy w Siemianowicach Śląskich – Poland) – Horyzont Niestandaryzowany Sekurytyzacyjny Fundusz Inwestycyjny Zamknięty v LC (Reference for a preliminary ruling – Consumer protection – Credit agreements for consumers – Directive 2008/48/EC – Risk of over-indebtedness – Article 8 – Obligation on the creditor to check the creditworthiness of the consumer – Article 10 – Information to be included in credit agreements – Article 23 – Penalty in the event of failure to comply with that obligation – Equivalent penalties – Effective, proportionate and dissuasive nature of the penalty)